Date Received: 2023-02-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Jefferson Capital XXXX company is trying to collect a debt from me that I did not sign or make the loan with them. This loan was made with XXXX XXXX and by law it is illegal to sell a debt to a company without my authorization. XXXX is the letter whith the amount of XXXX
Company Response:
State: PR
Zip: 00738
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX, reporting as " XXXX XXXX XXXX '' is reporting old debt as new. Old debt of {$2900.00} is more than XXXX XXXX XXXX and should not be reported to credit. Said delinquent date is from XXXX. I then reopened a new line with XXXX in XXXX and have had the same line since. They are now reporting old debt is new and marking delinquent date of XXXX instead of XXXX. I have written them several times to dispute and instead send me negotiations. When I call them they give me a run around and representatives hang up on me. I have tried every way and no success. I have uploaded a picture so it can be seen that I currently have a line open with XXXX and it is my current phone number. Also, please note account number. Old debt has different phone and account number. Please help.
Company Response:
State: CA
Zip: 90004
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The company of XXXX is trying to say I still owe {$1000.00} dollars for the services, which is already paid. Ive paid them and tried disputing the debt from my credit but nothing ever works.
Company Response:
State: FL
Zip: 32566
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Jefferson Capital Systems is reporting to the credit bureaus inaccurate information from a debt they purchased from my original creditor. They are showing XXXX different amounts on my credit, XXXX for XXXX and the other for XXXX. I have reached out via mail requesting proof of debt owed without a response in return. They also have an address on file where I never lived in the state of Georgia. They have illegally reaged the debt stating that it was opened in XX/XX/XXXX when the account went into collections in summer of XXXX with the original creditor. They also have my loan term reported as 1 month which is incorrect and are reporting late payments to my credit as if the account is open and even that isnt consistent. They skip over a few months instead of consistently reporting, and they shouldnt be reporting a closed account as open. I have disputed many times with XXXX and have been unsuccessful with no valid proof of the debt owed obtained from this debt buyer that can even legally collect on my debt. Also this debt is from the state of TX and according to TX law statue of limitations on a debt is 4 years in TX. This debt has reached its limitation per where it originated.
Company Response:
State: TN
Zip: 370XX
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My mother, XXXX, XXXX, an elder, was pressured and bullied into a getting a loan that used by her nieces- XXXX XXXX XXXX and XXXX XXXX XXXX I discovered this loan existed last month while my mother was in the hospital. In late XXXX, I confronted XXXX XXXX about the purpose of the loan and she said that she and XXXX used it for their father who passed away. XXXX XXXX explained to me that she would take care of the loan and reach out to the creditor/collections agency to fulfill the obligations and haven't done it currently. Today, XX/XX/2023, a pending financial abuse complaint # XXXX ( submitted by me to the XXXX Department of adult protective services ) has been forwarded to the law enforcement agency by my current caseworker, XXXX XXXX, for further investigation and/or consideration for charges against the perpetrators.
Company Response:
State: TX
Zip: 77021
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Jefferson Capital Systems XXXX po box XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear Jefferson Capital Systems XXXX XXXX XXXX am writing to dispute an inaccurate collection listed on my credit report with XXXX, XXXX, and XXXX. The collection is from Jefferson Capital Systems XXXX in the amount of {$11000.00} and is dated XX/XX/2020 I am requesting that you immediately remove this inaccurate collection from my credit report. I am a victim of identity theft and this collection is not mine. I have included evidence of my identity theft, as outlined in the Fair Credit Reporting Act. I am also requesting that you provide verification of this debt that you are reporting to the credit bureaus. Please provide me with written confirmation that you have removed this collection from my credit report within 30 days of this dispute letter. I look forward to hearing from you soon. Sincerely, XXXX XXXX
Company Response:
State: IN
Zip: 46342
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Debt Collection Company is not licensed in my state of residence. I request that alleged debt be removed from my credit report to all 3 credit bureaus.
Company Response:
State: CA
Zip: 92407
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This Debt For XXXX allready went to court and garnished my wages until it was completly paid off. this is not a debt on my credit anylonger and this needs to be investigated as i dont appreciate them tryting to collect again. XXXX reference number XXXX
Company Response:
State: OH
Zip: 44087
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Sometime between XXXX we switched from XXXX to XXXX under a promotion that XXXX would pay off our phones. They did that and XXXX provided boxes to return the phones, which we did. We spent roughly 2 weeks on XXXX and returned to XXXX at which time they got everything turned back on and issued us new, upgraded phones. We have since fought XXXX on numerous occasions about this debt. I have been told by no less than 8 XXXX customer service representatives that I do not show as owing any amount to them. In XX/XX/XXXX I closed my account and ended all dealings with XXXX. Just now on XX/XX/XXXXXXXX XXXX XXXXs later I receive something about a debt? Why would I owe a debt they didn't care to try to collect for over 2 years? Also why did they let me close my account and walk away if I owed a debt? As I said I have fought, and won this claim that I owe XXXX money, but I do not and I will make XXXX sure they never get another dime from me and as many people as I can tell not to go there!.
Company Response:
State: TN
Zip: 37604
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX XXXX XXXX, XXXX XXXX company, sued me in NY XXXX XXXX for debt I have no idea about, I requested company debt validation latter to provide, which I never received.
Company Response:
State: NY
Zip: 11214
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A