Date Received: 2023-02-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I keep getting these notifications from a junk debt buyer named Jefferson Capitol systems trying to collect on debt that I have no idea of and is probably past the statute of limitations, They do not provide the necessary backup and probably buy tons of this debt for pennies on the dollar. Why are they allowed to stay in business. Fraudulent. Please have them stop contacting me and if I see anything on my credit report from them I will take the necessary legal action. They know that if you contact them it starts the clock running on debt that could not be collected on in the past.
Company Response:
State: NJ
Zip: 07701
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: JEFFERSON CAPITAL SYSTEMS , LLC ATTN : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , CO XXXX USPS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX Re : Alleged Original Creditor : XXXX XXXX Alleged Original Creditor Account Number : XXXX XXXX XXXX Account Number : XX/XX/2022 Alleged Debt Amount or Balance : {$640.00} Dear JEFFERSON CAPITAL SYSTEMS , LLC : I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. I request verification of the alleged debt. Specifically, I request the following items for verification : ( XXXX ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( XXXX ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( XXXX ) ( Audit Trail ) evidence and itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me. You are illegally attempting to collect the subject alleged debt because I do not owe that amount. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney.
Company Response:
State: AL
Zip: 365XX
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: My credit score was just hit by a collection agency XXXX sold this fake debt to. My account was transferred to XXXX XXXX XXXX with a {$0.00} balance. I made my last payment before I ported over my number. XXXX even confirmed this before my account was transferred. REMOVE THIS FROM MY CREDIT IMMEDIATELY. I DO NOT OWE YOU ANYTHING!! I have all of my receipts to prove it. Even showing I didnt owe anything. When I call XXXX they said I owed {$230.00} as my last bill, but when I speak to another representative they state it is paying off a promotion on a device.
Company Response:
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do not know the dates but it is XXXX that is on my credit. I will not be paying for an account i didn't open. Please send me valid contract with the company. JEFFERSON CAPITAL SYSTEM decided to purchase this account from XXXX and harrass me to collect something I don't owe
Company Response:
State: FL
Zip: 33351
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: NOTICE OF CEASE AND DESIST TO WHOM IT MAY CONCERN. I XXXX XXXX XXXX XXXX, a federally protected consumer, here by put JEFFERSON CAPITAL SYST, A debt collector a formal notice of violation, in reference to an account they are furnishing on my credit report. JEFFERSON CAPITAL SYST XXXX According to 15USC 1692a ( 2 ), the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any Medium : includes any oral, written, electronic or any medium. Therefore, furnishing of the consumer report ( bearing information regarding the alleged debt ) by the company will amount to communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my right as per 15USC 1692C ( C ), I am hereby providing you formal notice to cease any further communications regarding this account immediately, this includes but not limited to telephone calls, social media, or any consumer reporting agency. Any further contact by your agent or company, except a communication confirming your acknowledgement of this letter, is in violation of Fair Debt Collection Practices Act ( FDCPA ). I do not have any business with your company, and I do not owe this alleged debt. A charged off account is an ordinary income and kindly provide the 1099 c document from who ever sold this account to you. If you do not remove this account in 5 working days, you will be civilly liable to me for actual damages you have caused me mentally and financially. This is a warning, take this seriously. Thank You for your cooperation. Sincerely, XXXX XXXX
Company Response:
State: GA
Zip: 30106
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. JEFFERSON CAPITAL SYSYST XXXX
Company Response:
State: IL
Zip: 60656
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: This account has been disputed and removed from all three credit reporting agency in 2021. This company has been calling and sending notices trying to collect on this account. This account has reached its statue of limitations.
Company Response:
State: SC
Zip: 29209
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: JEFFCAPSYS at XXXX XXXX XXXX, XXXX XXXX, MN XXXX has been sending me collection notices in the amount of {$1100.00}. The collection has been reported as a past-due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Company Response:
State: NY
Zip: 11207
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I mailed a dispute letter with Jefferson Capital Systems to validate a debt. This took place XX/XX/2022. Ive been sick & forgot about things as my health was more important. To date I havent received a reply back to validate this debt of over {$1400.00}. Its been well over 30 days & I should have received some as per law. I will mirror this letter and send a copy to the XXXX XXXX XXXX.
Company Response:
State: NY
Zip: 10304
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A