Date Received: 2023-02-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I'm sending you 2 different documents from 2 different companies an i have no idea who they are or the item/s there trying to collect money for when i don't anyone for anything an as far as that goes i haven't used my maiden last name since i got remarried so yeah i don't know these XXXX 's XXXX on top of that i DONT have the money to pay them back I'm NOT rich an I'm NOT making that money any XXXX way!!!!????
Company Response:
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: The original debt is it mine its from XXXX from my ex while I was XXXX in XXXX and now Jefferson capital collection is trying to ruin my credit. Account info Account number XXXX Date opened XXXX XXXX, 2022 Account type Debt Buyer Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/2022 2022
Company Response:
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have paid my debt to XXXX wireless and yet I have fraudulent collections agencies contacting me, such as Jefferson Capital Systems, a highly fraudulent collection agency.
Company Response:
State: OK
Zip: 735XX
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: Date XXXX fraudulent loan take. Out at XXXX XXXX date reported to credit company Now it is with Jefferson capital collection agency for over {$3000.00}. I have fought this and disputed this for years. In XXXX I was a victim of identity theft while I was XXXX in XXXX.
Company Response:
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello, this account is not mine. I was sent three more documents on money that is owed but im not sure what this collection is for.
Company Response:
State: CA
Zip: 90255
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have this information on my credit report : JEFFERSON CAPITAL SYSTEM Reported : XXXX XXXX, XXXX Overview You have 100 % left to pay on this collection. Balance {$1400.00} Highest Balance {$1400.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX Closed No Info It is incorrect and they keep calling me. I have asked them to stop several times. I have explained to them that the information they are providing is false. 1. ) I do NOT owe Jefferson Capital. I never got a phone or a phone line from Jefferson Capital. I never agreed to pay Jefferson Capital nor do I have an agreement with Jeffererson CapitaXXXX. 2. ) They are reporting that this is a new debt and making my credit score go down and show me in collections. This debt is not a year and 3 months old. That's when Jefferson Capital purchased the debt. This debt occurred with XXXX in XXXX. Which is WAY over the statute of limitations that allows them to have it on my credit report. It should have fallen off after 7 years or 10 years at the most. It's now XXXX and Jefferson Capital is trying to call and collect someone else 's debt. I don't owe them and I'm not paying them.
Company Response:
State: CA
Zip: 90813
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: There is a new company, Jefferson Capital Systems called tried to collect a debt. this company reported the debt collection to XXXX for the third time. The original company is XXXX. XXXX has also reported the debt collection and has My credit score has been affected several times for the same debt. The last time was this month, XX/XX/2023. I do not think that the companies have the right to affect several times for the same debt. Now, Jefferson Capital Systems has reported as new debt starting 2023. I think that they are trying to force to pay. The original debt was created because XXXX was charging for services that I did not request. I had to spend hours on the phone to clear those charges. I got sick and had to cancel the services. Once, I canceled the services, XXXX was not able to charge for services not requested like Music subscription. In fact, I am about to file a law suite against XXXX. At this point, I want to stop the same debt being reported several times to my credit report. I have documentations for the communications in writing asking XXXX to stop charges for services not being requested. I can show that my credit report has the same debt more than 3 times in different periods, reducing my credit score multiple times.
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XXXX of XXXX I became an employee of XXXX XXXX XXXX and switch my account over from XXXX XXXX. I received {$750.00} in XXXX XXXX to pay off the remaining balance from XXXX which was I was told was {$580.00} and which I paid and was told I was ready to go. After 2 months I get a bill from XXXX saying that I owed them {$120.00}. I called and after multiple hours of speaking with several reps that I did not owe this and they would take the charges off my account. Yesterday XX/XX/XXXX I got a notice that my credit score has gone down XXXX points due to a derogatory claim on my account of XXXX from XXXX that I am now expected to pay. After talking to Jefferson Capital Systems this morning they have put in that I am disputing I was told the only way to get it off my credit was to get proof from XXXX of a conversation that took place over 4 years ago and on the phone. When I call XXXX to get in contact with someone it refers me back to Jefferson Capital stating they do not have access to any information on my account. I have worked incredibly hard over the last decade to build my credit and am infuriated to see it impacted by a bogus charge like this. There was more than enough left on those cards and if they would have asked me to pay that at the time of switching I would've gladly paid what I owed. Is there anyone who can help me?
Company Response:
State: CA
Zip: 91767
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I am a natural person, I am a living human being I have rights under 15 U.S.C 1681 Section 602 A. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1692 B ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt 15 U.S.C 1692 C 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.C 1681 Section 604 A Section 2 it also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : 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 seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe the information is inaccurate
Company Response:
State: IN
Zip: 47130
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This debt is very old and does not belong on my credit report. I have taken care of this debt years ago.
Company Response:
State: FL
Zip: 34746
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A