Date Received: 2023-08-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Company Response:
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt does not belong to me. I've stated this more than once with Jefferson Capital Systems LLC. Now it seems that this new company is also trying to collect on something that's not mine.
Company Response:
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Have asked Jefferson capitol for original purchase agreements in writing to be sent to me along with summary of charges. To no avail. Was also never given to opportunity to opt out of any and all communication about this debt!
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was sent a collection letter from jefferson capital systems llc, I requested to have more information sent to me about this debt on XX/XX/XXXX at XXXX XXXX. XXXX is XX/XX/XXXX XXXX XXXX XXXX. I Have not received any correspondence to my letter requesting more information on this debt
Company Response:
State: WA
Zip: 98374
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have submitted the documents to the credit collection agency. These are now showing up again through a different agency as of recent. These accounts were reported as fraud during the years of XXXX. I have also submitted a police report to the companies. Along with attached documents Ive submitted on this website. I have tried reaching out to XXXX and XXXX in regard to this matter. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amount : {$1300.00}. I have reached out to all the agencies and tried to explain I have submitted disputes for years now along with police reports. They need to be removed immediately. They are hindering my credit and keep harassing me knowing that my identity was stolen in XXXX.
Company Response:
State: VA
Zip: 23435
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2023 I paid a past due debt with XXXXXXXX XXXX card. On XX/XX/2023 I received a letter from Jefferson Capitol regarding this debt as unpaid. On XX/XX/2023 I reached out to Jefferson Capitol and was directed to call XXXX. I then chatted online with XXXX from XXXX and was directed to call Jefferson capitol. I once again called Jefferson Capitol and told I still owed the debt. I tried to tell them I did not and the account was paid and they argued and then hung up on me after transferring 4 times.
Company Response:
State: OK
Zip: 74066
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: In XXXX we received a loan through XXXX XXXX. Recently, we received a summons to district court ON BEHALF of Jefferson capital systems LLC from their attorney XXXX XXXX XXXX. Apparently, XXXX XXXX sold our debt to Jefferson Capital Systems LLC without notifying us or obtaining our written consent. We have not received any notices, letters or any form of communication from any creditors instructing us that our debt has been sold or purchased and have not been given any chance to pay our debt or instructions on how to do so nor have we received any documentation stating that they are in fact authorized to collect on behalf of our original loan servicing company XXXX XXXX nor have they provided any original documentation with our written signature. The only documentation that we have received from Jefferson Capital System LLC states that in XXXX we received a loan. This document also says that our loan has been paid in full and has what looks like our signature dated XX/XX/XXXX for {$7000.00}. The only other documentationJefferson capital systems LLC has provided attached to the court summons is a document that states that its from XXXX XXXX and is dated for XXXX. This document is a copy and has an electronic signature. This signature is not my signature nor did I release anyone to sign electronically for me or to use my likeness on any form. I am requesting that Jefferson Capital Systems LLC provide proof that they are authorized to use my likeness and/or sign electronically otherwise this is a forged signature and I am treating this document as fraudulent which is a predatory lending practice. On our credit report it says both XXXX & XXXX loans are CLOSED. Jefferson Capital Systems LLC has not contacted us in any regard other than to issue a summons to court stating that we have 20 days from the date of this letter to respond or they will move forward and consider all charges true and valid. We were not notified nor were we aware that our loan was sold to Jefferson Capital LLC until we received a summons from their attorney XXXX XXXX XXXX to appear in district court to pay the amount of the loan {$8000.00} We didn't give Jefferson Capital Systems LLC permission to purchase our loan nor does XXXX XXXX have permission to sell our loan. And none of the documents provided state anywhere that by signing we release them to sell, purchase, gift or transfer our loan to another creditor. The only documents Jefferson Capital Systems LLC provided do not have our signatures on them they are copies. When my husband lost his job in XXXX due to the pandemic. We reached out to XXXX XXXX for a loan modification to lower the monthly amounts. XXXX XXXX finally responded back to us in regards to our request for a loan modification after an inordinate amount of time stating that the person who had been working on our loan modification was no longer with XXXX XXXX and that they are sorry that it's taking so long. when I called XXXX XXXX they told us not to pay because a loan modification was in progress. The next thing I know our loan was just placed into collections. Upon further scrutiny apparently our debt had been sold more than once without us having ever received any notification other than a letter from indebted stating that it's for XXXXXXXX XXXX XXXX.We have not received anything from Jefferson Capital systems LLC and they have made no attempts to contact us at all except for a the court summons.
Company Response:
State: WA
Zip: 982XX
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In checking my XXXX XXXX account I noticed a new Delinquent Charge pop up from XXXX XXXX stating an account opened XX/XX/XXXX was in collections and disputed through the XXXX XXXX app. I haven't received anything from this collection agency, and the documents I have indicate the account was charged off in XXXX, not in XXXX and I have requested to send me what paperwork shows it was open in XXXX.
Company Response:
State: CA
Zip: 95762
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt in the fact therefore exists
Company Response:
State: MI
Zip: 48317
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In accordance with the Fair Credit Reporting act Jefferson capital systems LLC has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am a victim of identity theft. I am disputing this debt because this is not my debt as I am a victim of identity theft. I I request Jefferson capital system send me records stating the collection of this debt is mine, the balance, the complete payment history the charge off of the original creditor a copy of the contract Evidencing that this agreement is my debt as I was a victim of identity theft.I have filed a police report. I also have filed a identity theft report.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A