Date Received: 2024-01-09
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: In XXXX I was repeatedly contacted by multiple collections companies for a {$360.00} telecommunications bill with XXXX that was incorrectly applied. I closed my account years before and paid all outstanding bills with another company. Almost every time I requested information in writing, they would transfer the debt to another company, meaning a new company would call me. When I did receive records in writing, they did not include all payments that I made. The final time I received a call, I asked for their contact information and the person hung up on me before saying anything else. Unfortunately because this was so long ago, I don't have a record of that call. XXXX, with whom I had my contract, no longer exists, either. However, I didn't hear about the debt again until today, XX/XX/2024 from a company called XXXX XXXX. XXXX XXXX informed me that they " are trying to collect a debt that you owe to Jefferson Capital Systems , LLC. '' I would like to file a complaint against Jefferson Capital Systems , LLC for harassing me, failing to submit paperwork in writing, then passing this claim to another agency. Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : XXXX
Company Response:
State: MD
Zip: 21224
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I have called the company several times to let them know that this debt is past the statute of limitations account and Jefferson Capital LLC is using unfair collection practices in which the representatives have completely ignored and stated this is a collectable debt in which it is not. the representatives have rude and condescending to say the least.
Company Response:
State: MI
Zip: 48066
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Jefferson Capital stated they bought the debt from XXXX. I informed XXXX that I never took out a loan from them and had never heard of them before. The amount was {$2200.00}. They could not even tell me where I lived or who they sent the money to. They only tried to get more information about me, so I assumed they were a fraudulent company. They then turned it over to Jefferson Capital. I informed the new company of this and they just keep trying to get me to make a deal. This is not my debt and I do not plan to pay it.
Company Response:
State: KY
Zip: 41051
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I got a notification from my credit monitoring service that I have a new collection. I had no prior knowledge of this debt collector or this debt prior to it going on my credit. I sent a letter requesting validation of the debt. However, I received a copy of a bill. A bill is not validating the debt. I sent a second letter via certified mail requesting validation which I still have not received. The amount is {$1200.00}.
Company Response:
State: NV
Zip: 89052
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I don't agree with the negative payment status and history listed on this account, i currently live with my mom and have never had any bills in my name please mail me the proof of your investigation or delete the negative information!!! Please Jefferson Capital System XXXX XXXX XXXX XXXX
Company Response:
State: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: JEFFERSON CAPITAL SYSTEMS is trying to collect a debt that has previously been settled and WAS REMOVED from my credit report. They refuse to correct the error despite the fact that they are breaking the law.
Company Response:
State: TX
Zip: 78154
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The company name is XXXX they charging me something that I dont owe they an offer that I sent my XXXX XXXX and XXXX and they sent me my XXXX XXXX then now they charged almost XXXX I dont know why thats not fair cause we had a deal. Thanks
Company Response:
State: MA
Zip: 011XX
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I've called several times as to a copy of the original document with my signature on it. This should be removed immediately.
Company Response:
State: MT
Zip: 59602
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: As a consumer, I assert that Jefferson Capital Systems ; Jefferson Capital System ; Jefferson Capital Syst has consistently violated my right to privacy, as protected by the Privacy Act of 1974. Jefferson Capital Systems ; Jefferson Capital System ; Jefferson Capital Syst, through its various iterations, has reported negative information on my credit report without my authorization, contravening the Fair Credit Reporting Act ( FCRA ), as explicitly outlined in XXXX XXXX XXXX section XXXX. This section of the FCRA emphasizes the imperative for consumer reporting agencies to discharge their responsibilities with fairness, impartiality, and due regard for consumer privacy, stating, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Pursuant to 15 USC 6801, I, as the consumer, retain the right to ensure that my private information is not disseminated without explicit consent. Jefferson Capital Systems ; Jefferson Capital System ; Jefferson Capital Syst, recognized as a financial institution under the same title, is subject to 15 USC 1681 section 604a section 2, which explicitly states, " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' In this specific case, neither Jefferson Capital Systems ; Jefferson Capital System ; Jefferson Capital Syst nor XXXX, XXXX and XXXX, consumer reporting agencies, possess my written consent to furnish this information, rendering their actions unlawful. I hereby unequivocally revoke any and all consent previously granted to XXXX, XXXX, XXXX and Jefferson Capital Systems ; Jefferson Capital System ; Jefferson Capital Syst, whether such consent was verbal, non-verbal, written, implied, or otherwise. Additionally, it is noteworthy that Jefferson Capital Systems ; Jefferson Capital System ; Jefferson Capital Syst, XXXX, XXXX and XXXX neglected to apprise me of my right to exercise the nondisclosure option, exacerbating their non-compliance with relevant laws. Furthermore, the inclusion of this adverse item in my credit report by Jefferson Capital Systems ; XXXX XXXX XXXX ; XXXX XXXX XXXX runs afoul of 15 USC 1681C ( a ) ( 5 ), which explicitly states, " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' XXXX, XXXX and XXXX, as consumer reporting agencies, are duty-bound to uphold reasonable procedures designed to avoid such violations, as mandated by the requirements delineated in 15 USC 1681b . Additionally, 12 CFR 1016.7 further underscores a consumer 's right to opt out at any time from reporting services. Their failure to adhere to these standards indicates a breach of their obligations. In light of these documented violations, I have formally lodged a complaint with the Florida State Attorney General 's office against Jefferson Capital Systems ; Jefferson Capital System ; Jefferson Capital Syst for the violation of the Florida Consumer Collection Practices Act. Legal redress is imperative to address Jefferson Capital Systems ; Jefferson Capital System ; Jefferson Capital Syst 's unfair and deceptive practices, particularly the misrepresentation as an attorney 's office on my credit report. These actions not only infringe upon my rights but also necessitate the protection of the rights of numerous other consumers similarly affected.
Company Response:
State: FL
Zip: 34639
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to dispute the claim made by JEFFCAPSYS asserting that I owe them a debt. To date, no proof of this alleged debt has been provided despite multiple requests. Furthermore, there was no initial debt with the original creditor. I request thorough verification and documentation of the debt in question. I expect all collection activities to cease until proper validation is provided. Your prompt attention to this matter is appreciated. ''
Company Response:
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A