Date Received: 2015-10-23
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Jefferson Capital Systems listed an old ( un-owed and unsubstantiated ) debt in my report without any notice. The original claim was from 2008, and the orginal collector could never furnish any data to prove this. Jefferson Capital bought this debt and is listing in my credit report as new, has never contacted me, or provided evidence of what makes up this amount. This item should be removed from my credit report and this company should be fined. It now appears XXXX times on my credit report, even though it ( 1 ) should not be there in the first place, ( 2 ) the debtor sold it to a third party, and the third party is trying to claim this is new without contacting me or providing evidence.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98008
Submitted Via: Web
Date Sent: 2015-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-16
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I have not had XXXX in over 8-9 years, this collection agency has it listed on my credit file and it is over the statute of limitations and can not validate this. Please help
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 64114
Submitted Via: Web
Date Sent: 2015-10-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-15
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I have one negative item listed on my credit. The account was originally for a " XXXX XXXX '' back in 2008. The account was paid as it should have been. I never heard anything from anyone until recently I inquired my credit reports and noticed that a delinquent mark was added for non-payment. This account was never in default or collections. The collection company that has claimed it is, is Jefferson Capital LLC. I have been going back and forth with them regarding this inaccurate item. I have sent numerous demands for validation regarding this account, which they have never responded to. I have also inquired with the XXXX credit bureaus and disputed the item that was listed on my credit. They came back to me with saying the debt was in fact mine, and that it will stay on my credit. I know the account was mine. That was never the item in question. The item in question was why they are reporting information that is not correct, especially after this account was paid in full and never went delinquent. After all my options were exhausted I contacted the Federal Trade Commission, only to find out that they company that is refusing to remove this negative mark has been sued by the FTC and lost. They were sued for unfair collection practices, and many more things. From what I gather by law, this is not supposed to be part of my credit, and needs to be removed immediately. Unfortunately I do not have any items pertaining to the payment of this account as it was over 7 years ago. I hope we can get this resolved, and removed from my credit. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91501
Submitted Via: Web
Date Sent: 2015-10-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-12
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: On or about XXXX, 2014. I noticed that a XXXX phone bill had appeared on my credit files. I requested that XXXX validate the debt and send me a copy of the application that was used to open this account. They never replied back to the debt validation letter. Now Jefferson Capital Systems is coming after me. I have continued to request that they validation and they continue to allow this to report on my files.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44146
Submitted Via: Web
Date Sent: 2015-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-10
Issue: Communication tactics
Subissue: Threatened to take legal action
Consumer Complaint: Medical breach of records and have submitted proof and now they and their lawyers are trying to collect same debt
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07055
Submitted Via: Web
Date Sent: 2015-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-01
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I use a credit monitoring service and was notified that a company by the name of JEFFERSON CAPITAL SYSTEMS from Minnesota reported a collection item to all XXXX credit bureaus. This, in turn, negatively impacted my credit score. This company should have contacted me ( via phone or email ) regarding any business they have with me and given me the appropriate information and timelines for dispute before negatively impacting my credit report. They did not contact me in any way whatsoever. The FDCPA and the FCRA dictates my rights as a consumer are that I must be contacted and given the time to dispute/respond. This company has violated that right.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 13502
Submitted Via: Web
Date Sent: 2015-10-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-24
Issue: Improper contact or sharing of info
Subissue: Contacted employer after asked not to
Consumer Complaint: Continuing to contact me at my place of employment!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 65301
Submitted Via: Web
Date Sent: 2015-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-23
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I recently pulled my credit report and found that Jefferson Capital is still reporting on the credit bureaus a debt that was sold to another collection agency and was paid in full to the other collection agency. I contacted Jefferson Capital to advise them that they can no longer report on a debt they are not collecting. They sold my debt to XXXX XXXX XXXX XXXX in XXXX of 2015 yet are still reporting it. The debt was paid in full to XXXX XXXX XXXX and Jefferson Capital is unlawfully reporting it to the credit bureaus despite my request for them to cease.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32707
Submitted Via: Web
Date Sent: 2015-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-22
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I received a letter on XXXX XXXX, 2015 from Jefferson Capital dated XXXX XXXX, 2015 ( attached ). On XXXX XXXX, 2015 I mailed a certified letter ( attached ) via USPS certified mail ( attached- received XXXX XXXX, 2015 ) disputing the validity of this debt and requesting validation as I do not agree I owe this debt. My requests are very clear and very legal. Jefferson has failed to provide me ANY documentation like requested in my certified letter ( which we have proof they received within the 30-day notice ) yet have tarnished my credit by falsely reporting this information to the credit bureaus. Because they have violated by rights by improper reporting/ defamation and disregard to my right of validation and dispute, I am requesting immediate removal of this item from my credit reports.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 932XX
Submitted Via: Web
Date Sent: 2015-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-13
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Jefferson Financial is violating multiple sections of the FDCPA by falsely communicating information about an alleged, unvalidated debt to consumer reporting agencies. Additionally, the debt they are alleging to be mine is beyond the statute of limitations for legal action in the State of New Hampshire so I believe their erroneous reporting is an intentional tactic used to frustrate my attempts at obtaining credit in an effort to get me to simply pay their terms to " clear up '' my reports. To wit : Jefferson Financial is reporting an account with a balance of {$810.00} on my consumer reports. They are reporting themselves as the Original Creditor, are claiming the account as a " Revolving Credit '' account with " 1 Month '' terms rather than as a " Collection Account '' and are reporting continued late payments on a monthly basis as though I had a monthly payment agreement with them ( I do not ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2015-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No