Date Received: 2015-12-29
Issue: Communication tactics
Subissue: Called after sent written cease of comm
Consumer Complaint: I sent a letter dated XXXX XXXX, 2015 to the most recent purchaser of the account, Jefferson Capital Systems, to verify the debt and to cease and desist any phone calls to my personal or business lines. I revived email confirmation that my letter was received. I received a letter from Capital XXXX Systems that they had received my request for debt verification for the account owned by Jefferson Capital Systems, the letter included my request for no calls to my phone. It would be prudent to mention that I have since sent Capital XXXX Systems XXXX other letters dated XXXX XXXX, 2015 and XXXX XXXX, 2015. I was informed my father received a call from a collections company looking for me on XXXX XXXX, 2015 but he could not verify the caller. He has since been informed to get the name of any collector that calls for me. However, I suspect it to be XXXX XXXX XXXX. I received a call on XXXX XXXX, 2015 from XXXX. They identified themselves as Capital XXXX Systems.
Company Response:
State: CA
Zip: 95035
Submitted Via: Web
Date Sent: 2015-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-29
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: I worked in XXXX from XX/XX/XXXX until XX/XX/XXXX. Someone accessed my personal information and used XXXX XXXX. Now Jefferson Capital Systems is claiming an account opening on XX/XX/XXXX which is a complete fabrication. My signature is on no document authorizing this service. I did not require a cell phone in XXXX while I was XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44060
Submitted Via: Web
Date Sent: 2015-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-09
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I had a debt that was deleted in XXXX and then sold to a XXXX party collector and put back on my credit reports the debt was not mines and i have sent the company the debt that was deleted. Also the debt was put on my reports without the company letting me know that the debt was due it was deleted and put back on within a couple of weeks and i have proof i have been violated of this practice under the FCRA
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 237XX
Submitted Via: Web
Date Sent: 2015-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-03
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I owed XXXX {$570.00} back in 2008 which is now off my credit report. This company that calls itself JEFFCAPSYS is trying to get me to pay them for it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 628XX
Submitted Via: Web
Date Sent: 2015-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-23
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: there is a debt collection agency that continue to send me information on an account I never had after asking them for information that shows this lender info they stated that I will have to call the company myself after searching for the lender and also looking up reviews from this company, there is no way to reach the company that says I owed them money for a credit card I never had, I feel that if this is truly a debt I caused I should have the info.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30078
Submitted Via: Web
Date Sent: 2015-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-10
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: In XXXX I found an unfamiliar XXXX Wireless account on my credit file, I contacted XXXX to discuss in further details but they stated by law they can no longer can discuss the account because it was sold. I contacted the company it was sold to - Jefferson Capital System - the company the debt was sold to and they forwarded me XXXX. On XXXX/XXXX/2015 I spoke with a rep from that collection agency ( working on behalf of Jefferson Capital System ). I 'm not sure what XXXX is charging me for. I had a phone with them but returned it in three days after signing up because I realized that I could not afford it. First XXXX XXXX XXXX said they have no details about this account. Jefferson Capital System did n't provide details but they are only responsible to collect payments. XXXX said they have no details and Jefferson Capital System directed me back XXXX. If no one can provide me details about this account and the charges, why am I responsible to make a payment? This is unfair and does n't make any sense to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2015-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-06
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: On XXXX XXXX, XXXX, XXXX ( XXXX ) responded to my complaint I filed through the CFPB. Convergent stated a XXXX XXXX Bank Checking account was placed with XXXX " for collection purposes with Jefferson Capital with a balance of {$190.00}. '' XXXX stated that Jefferson Capital Systems , LLC. ( Jefferson Capital ) is collecting a XXXX XXXX XXXX checking account. I do not recall ever having a debt with XXXX XXXX. Over a decade ago ( in XXXX or XXXX ), I had a XXXX XXXX checking account. But within that same year, I went to my local branch and closed the accounts. The banking representative specifically told me that he will close my accounts and I will not owe anything. I did not have any account fees, any outstanding checks, outstanding items, or any pending transactions at the time I closed the accounts. The alleged debt that XXXX and Jefferson Capital claim I owe is bogus and invalid. The alleged debt is time-barred. XXXX XXXX would not let me close my accounts if I had owed them money. Convergent and Jefferson Capital are lying. I have not ever received anything from XXXX XXXX, XXXX, Jefferson Capital, or anyone or anything about this alleged debt. XXXX response indicates that they spoke with Jefferson Capital and Jefferson Capital will not continue collection efforts and will not contact me. To be clear, regardless of my above statements or any other statements I may have made : This complaint is not a dispute. I am not disputing nor acknowledging a debt or an alleged debt. I am not disputing nor acknowledging the amount of the alleged debt or any amount or portion thereof. I am not requesting documentation of the time-barred alleged debt. I am not seeking verification of the time-barred alleged debt. This is not a dispute, 809 ( c ) of the FDCPA, 15 U.S.C. 1692g ( c ). CEASE COMMUNICATION : Pursuant to FDCPA 805 ( c ), 15 U.S.C. 1692c, I am writing that, upon closure of this CFPB complaint, I wish the aforementioned, debt collectors, and anyone and anything that not specifically mentioned but may have been, may be presently, or may be future connected or related to any and all of the aforementioned to cease any and all further communication with me. This notification from me to the aforementioned establishes, constitutes, and satisfies reasonably the requirements of FDCPA 805 ( c ) that my requests for cease communication must be in writing. Upon closure of this CFPB complaint, all communication must cease. The aforementioned may not sell or transfer to another the time-barred alleged debt so that others may not harass me over a time-barred alleged debt. The aforementioned and anyone and anything that not specifically mentioned herein may not gather or retrieve my credit report ( s ) and/or consumer report ( s ) via permissible purpose, FCRA 604, 15 U.S.C. 1681b. The aforementioned do not have and no longer has a permissible purpose to gather or retrieve my credit report ( s ) and/or consumer report ( s ). Pursuant to FCRA 616, 15 U.S.C. 1681n, I will sue Jefferson Capital Systems , LLC. ; XXXX XXXX, XXXX ; and the aforementioned for the greater of the sustained actual damages or {$1000.00} per violation, the costs of the civil action together with reasonable attorney 's fees as determined by the court, and any such amount of punitive damages as the court may allow. I demand Jefferson Capital Systems , LLC. ; XXXX XXXX, XXXX ; and the aforementioned to cease any and all communication with me. If aforementioned gather or retrieve my credit report and/or consumer report, I will pursue legal action. If the aforementioned communicate with me, I will pursue legal action.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78216
Submitted Via: Web
Date Sent: 2015-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-04
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Jefferson Capital System is a debt collection company that is trying to collect on a debt for XXXX COLLEGES ( Financial ) in which I do not owe a balance too. This account is not mine. There 's no way they should still be trying to collect money for a company that filed bankruptcy and owes XXXX student XXXX dollars. I NEED THIS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2015-11-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-29
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: I have never had a cell phone with XXXX! I have only had XXXX XXXX service!!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94509
Submitted Via: Web
Date Sent: 2015-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-25
Issue: Closing/Cancelling account
Subissue:
Consumer Complaint: This company XXXX I have had for close to 3 years. I was able to see my report when I pulled my credit on XXXX. Sometime in XX/XX/XXXX this credit card company reported the account as closed but it was not. I called the company and they refused to fix the issue. This falls report on my account cost me XXXX points.
Company Response:
State: NY
Zip: 14304
Submitted Via: Web
Date Sent: 2015-10-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No