Date Received: 2015-06-26
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid a past due bill directly to XXXX who instead of applying the payment to the debt, passed the check on to their debt recovery agency Jefferson Capital Systems LLC. XXXX then claimed that my check (a cashier's check issued by XXXX Bank Bill Pay) was returned NSF. XXXX shows the check as being paid. Jefferson Capital Systems subsequently reported the debt as currently due over XXXX months after payment was made, driving my credit score down dramatically. Neither party will acknowledge responsibility for the error and I have not been credited with the nearly $XXXX payment that was made to XXXX. I have been told that the credit agency has XXXX days to respond to my complaint.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98116
Submitted Via: Web
Date Sent: 2015-07-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: RE : Jefferson Capital SystemXXXX XXXX XXXX, XXXX XXXX , XXXX. XXXX MN XXXXReference # XXXXAmount : $ XXXXJefferson Capital violated FDCPA practices by placing an account for collections on my credit reports. JCS is reporting said account as open and 120 days late. I have NEVER had an account, or any correspondence with Jefferson Capital. I was never given an opportunity to dispute said account. JCS has not validated it is mine or that they are legally entitled to collect the debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95991
Submitted Via: Web
Date Sent: 2015-06-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-18
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: I had this disputed on a credit report over XXXX years ago. I had my bank card information stolen previous to this debt and had multiple charges that I did not make. This being one of them. This is over XXXX years old and this company that has bought this debt from the original company keeps updating the collection which makes it appear as a new collection and is ruining my credit. Please help me. I do not know how to make this go away.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 63801
Submitted Via: Web
Date Sent: 2015-06-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-15
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Jefferson Capital Systems repeatedly sent letters to collect a debt so often that a member of my household, not myself, felt that it would " help '' me get them to stop attempting to contact me if she made a payment on the debt. This debt is over 7 years old and had already fallen off of my credit report, yet Jefferson Capital Systems still repeatedly sent me letters. Now that someone, who is not me, tried to do something kind to help me the debt has been reopened and sent on to a different collections agency. I knew this debt was old and that it was no longer reflected on my credit report. I did not make the payment and I would n't have allowed the payment to be made had I been aware. Jefferson Capital Systems had no right to continue to send me harassing letters until someone who did ; t know better finally caved and made a payment.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80525
Submitted Via: Web
Date Sent: 2015-06-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Debt had been paid and to original debtor not this capsys, not sure how theyu report I owed them at all when bill was paid in full.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WV
Zip: 253XX
Submitted Via: Web
Date Sent: 2015-06-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-11
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: This company have been trying to collect on a debt that 's inaccurate I have requested that they validate this account but have not gotten a response they continue to report this account on my credit reports illegally,
Company Response: Company chooses not to provide a public response
State: TX
Zip: 76542
Submitted Via: Web
Date Sent: 2015-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-08
Issue: Taking/threatening an illegal action
Subissue: Sued w/o proper notification of suit
Consumer Complaint: I have a pending court date set for XX/XX/XXXX. The only reason I found out about this was due to my new landlord running a background check for my occupancy permit per the City of XXXX. I was never served. Furthermore, I have never, in ANY capacity, been contacted by Jefferson Capital Systems. I only found out about their name recently when I ran my credit report prior to consolidating my student loans. After I noticed the collections for XXXX ( XXXX XXXX ) I contacted XXXX ( formerly named XXXX XXXX ) and they show no record of and defaulted loans, and all loans were paid off and brought current. It was only shortly after this consolidation XXXX XXXX moved to sue, still never notifying me in any capacity of their intent. Being as I was never contacted, I never had the opportunity to dispute. I have filed disputes with XXXX and XXXX ( currently pending, which again, I believed kept collections at bay and unable to file suit during that period ), and still never furnishing validation of debt. I am getting a copy of the documentation from the circuit clerk on file, and will arrive on my court date and explain this situation to the judge as well, as to avoid a possible default judgment. Per my report, Jefferson Capital has had this account since XX/XX/XXXX. In 2 years, I have never bee contacted in via mail, email, or phone call, by anyone with this company claiming I owe a debt. And now they have, to the extent I feel, filed suit illegally, in the hopes that that I would not become aware of their intent, and receive a judgement on account of my being absent. As XXXX XXXX has verified no debt is owed, the credit bureaus are investigating, and I have never been contacted regarding the debt in question, I am moving to contacting an attorney after XX/XX/XXXX with my findings after the court hearing. I also do not find it to be coincidence, that upon investigating as to WHO Jefferson Capital is, as stated since I have NEVER heard of them in the 2 years they apparently had this account, the first mention via a quick XXXX search is a case from XX/XX/XXXX. in which they attempted to sue an XXXX XXXX XXXX ( like myself ) briefly after he too consolidated his federal loans. I have contacted an attorney regarding this matter, and will by filing a similar complaint to the necessary receptors, as this, to me, seems to violate, in numerous capacities, the FDCPA and FCRA.
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2015-06-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-02
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I am a victim of identity fraud since 2011. XXXX XXXX XXXX XXXX XXXX is representing XXXX XXXX XXXX XXXX & XXXX XXXX XXXX who claims I owe them for purchases made in the amount of {$660.00}. I have already sent them a letter in writing with police report & other documents as proof that I had my identity stolen and that someone duplicated my social to file taxes in this same year. Since then yearly I get my credit report and the government sends me special instructions in order to verify myself when filing taxes. I have never ordered any items nor have I received merchandise at my permanent address ( 10 years ) XXXX XXXX XXXX XXXX XXXX Fl XXXX. I checked the only personal bank I use to confirm that I have not been charged nor was my account used to make purchases to XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33144
Submitted Via: Web
Date Sent: 2015-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-29
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: When I was younger a man approached me and forced me to cash checks for him. It was XXXX separate checks at XXXX separate XXXX XXXX XXXX locations. I told the bank what happened and whoever I spoke to told me that the fact that I was physically forced to cash the checks did not matter. I found that hard to believe and decided that I would not pay it because it in fact was a result of the actions previously mentioned. I also tried to file a police report of the incident at the time but because I had no information as to who the man was, the police could do nothing.
Company Response: Company chooses not to provide a public response
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2015-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-28
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: my wallet was stolen along time ago and now im receiving a letter stating I owe a banking institution this is not me
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33015
Submitted Via: Web
Date Sent: 2015-05-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No