Date Received: 2023-04-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: JEFFERSON CAPITAL SYSTEMS LLC WERE SENT NOTICES OF CLAIM DISPUTE. I HAVE NO TACIT AGREEMENT OR PRIVITY OF CONTRACT WITH THE ABOVE MENTIONED FIRM. ALSO STATED : JEFFERSON CAPITAL SYSTEMS XXXX IS A THIRD PARTY JUNK DEBT BUYER, HAVING NO BONA FIDE PROOF OR FIRST HAND KNOWLEDGE THAT I SIGNED A CONTRACT WITH THE ALLEGED CREDITOR XXXX XXXX XXXX JEFFERSON CAPITAL SYSTEMS LLC ARE USING A SCHEME OF FRAUD BY MAIL/EMAIL TO IMPLY A CONTRACT BETWEEN THE PARTIES. THIS IS XXXX XXXX EVIDENCE OF RACKETEERING AGAINST THE PARTY ( S ). THERE IS NO PROOF TO THE CONTRARY.
Company Response:
State: OK
Zip: 73003
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: With reference to Section 609 of the FCRD Act, I would like to request further information on the following item as recorded on my credit report. The report records that Jefferson Capital Systems. I request that you provide the original documents for this information containing my appended signature and any other related information. I am filing this complaint because I have never had any affliction with this company. I have never had phone service and I have been on my parents phone account since Ive had a phone. This account is hindering my credit score tremendously and it is very unfortunate because I have been trying to get it off my credit report for awhile now.
Company Response:
State: IL
Zip: 60540
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I don't know where the charges occurred from. I closed my account right before I got XXXX in 2018. I was charged fees after I closed account. I don't know if someone used my info.
Company Response:
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have several HARD INQUIRIES to banks and car loans that were identified as identity theft by me. I called to get these removed from my credit report and they are still there.
Company Response:
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: They sued me for debt already paid and took wages and in letters they don't even say what there taking money out for. All this should be deal with and my paychecks need go back to normal. They taking money to live of and this company needs stop so many red flags they do not by book and they are also supposed to try setting payment deal up which never they when to judge and sent to home office.
Company Response:
State: MN
Zip: 562XX
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I had a credit card account with XXXX. I got behind on the payments because I was paying my winter gas bills. I received a statement from XXXX showing the debt was charged off. Then I received a letter from the Jefferson Capital collection agency requesting payment. I e-mailed them a settlement offer. They refused the offer. I received a collection letter. They want 90 % of the balance {$890.00} payed in 30 days. I already told them I live on limited income. I am willing to settle for at least 75 % of the balance payable in at least 10 monthly payments starting in XXXX XXXX
Company Response:
State: GA
Zip: 30117
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: On XX/XX/XXXX My Step Mother received mail in my Maiden name but with her address from Jefferson Capital. I have never lived at that address and has never been listed as an address I reside in. I have not had this name in over 5 years. It contained private information. I have not been contacted from this debt collector by phone or email or mail at my current address that I have now resided in for almost 4 years I have also checked my credit report and show nothing. Below is Jefferson Capital Address that this letter was sent from. In my investigation I had found there is a class action lawsuit against this company from during searches for family members in attempt to collect a debt. Jefferson Capital XXXX XXXX XXXX XXXX NC XXXX
Company Response:
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Jefferson capital has sold a debt that they claim to be mine. The original debt collector was XXXX in which I never had a XXXX account. However, Jefferson capital sold it to another collecting agency XXXX XXXX who is now the owner of the account. Well, Jefferson capital is still reporting to my credit reports for this although they do not own the debt in question anymore. I have filed disputes with each agency that get declined without even a reasonable verification process and remain on my report. I have also requested a verification from Jefferson capital that this debt is verified as mine and they did not respond within 30 days. Its been 5 months.
Company Response:
State: CA
Zip: 92377
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XX/XX/2019 Current Balance : {$950.00} Debt was placed on my credit report and now its damaged my credit bad I dont have emails from them but I keep receiving mails at my residence and feel threatened
Company Response:
State: RI
Zip: 02905
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Jefferson Capital XXXX. Have conducted dirty tricks behaviors damaging my credit reports, change balance amounts back and forth, update remark C and change date that was open on the account. I have compliant to credit bureaus, but nothing was done about it.
Company Response:
State: KS
Zip: 664XX
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A