Jefferson Capital Systems

I am disputing the accuracy of information that has been reported to the three credit bureaus. I am requesting original documentation of the account along with verifiable proof that I have been informed of the accounts being opened, late, and sent to collections. According to the provisions of the Fair Credit Reporting Act 611(a) [15 USC 1681i(a)], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 (a)(6) [15 USC 1681j (a) (6)]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [15 USC 1681j], there should be no charge for this report.

A recent review of my credit report(s) indicate a collection account from JCS dated almost 5 years ago. It appears that JCS have renewed the account with the credit bureaus. I have received no prior knowledge of this account, therefore denying me my rights under FCRA. The one time I was able to reach an individual by phone, I was told they showed no account and to call back on Monday because everyone had "gone home" yet wanted to know the telephone number of my attorney (?) Per advice of counsel, I am submitting a complaint with Revdex.com as well as verification of account via certified mail. Unless JCS can verify: 1. Full original Account Numbe, 2. Date original Account was opened,3. Any written agreements between myself and the original creditor stating this debt is owed, 4. Full account summary and itemized calculation of alleged debt, 5. Date of the first delinquency, and finally, 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. I AM ENTITLED TO THIS INFORMATION.

Continues to mail debt collection letters. Have moved multiple times and within a week I receive yet another letter from Jefferson Capital for debt collection on debt I do not owe. The last letter sent to me was dated 8/15/2020 and states the age of debt Jefferson Capital Systems LLC cannot sue me for it and can not report it to any credit reporting agency.

The information on *** credit repot is not correct and needs to be removed for all three credit bureaus immediately.

This company is currently fraudently reporting on all three major credit reporting agencies. I have never had a debt nor contract with this company or the previous creditor. I have been with the same phone company with the same phone number for 11 years on my husband's plan. If it was something that I felt that I owed, I would pay it as I pay all my debts. But this is not mine and I will not pay for something that is not MINE. Collector must make all required disclosures clearly and conspicuously in writing “by sending this information you are violating Section 5(a) of the Federal Trade Commission Act (FTC Act) (15 USC §45) prohibits “unfair or deceptive acts or practices in or affecting commerce. I want this removed immediately.

First time leaving a review, ever! You should know where I’m heading with this. In the middle of mortgage process and a credit card that was never mine was opened and I assume charged-off as this is a company that purchases sold debt. Not only did I have access to the card information, I didn’t have access to the agreement of this debt being sold. I explained the situation to them and they still wanted me to pay. I paid the debt and explained I needed the debt to be removed with a letter confirming it was paid. Still weeks later refuse to answer, say they’re trying to send letter, and won’t email anything! Fraudulent company. Beware!

This business has not sent proof of debt that was requested when they offered me a settlement offer. I have spoke with 5 different people on 5 occasions and they have not sent one document but keep this exeter finance collection on my credit report. I even tried to pay the 1186.00 offered settlement today at 215 pm to just be done with this headache at which point they tried to suddenly add on over 700.00 additonal dollars from last offer. This company is not following rules of fair credit reporting acts and obviously don't care. I will be contacting an attorney if this can not be resolved here.

I recently noticed a negative credit report from this company that I have never done business with before ever on my credit report. They put this negative report on my credit report without my knowledge or ANY prior contact or notification through ANY means of communication. Furthermore the debt they seek payment for has already been removed off my credit report prior from MANY YEARS AGO. I have not been given any prior notification by this company whatsoever whether it be by phone,email or usps. There has been NO CONTACT at all and this is illegal to post negative reports on a persons credit report without any prior notification. Until I saw my credit report I had not even heard of this company before. I have since then read recently that they are ruthless and rude and relentlessly harassing people. This debt was from Verizon wireless from MANY years ago that has since been removed from my credit report. This needs to be removed off my credit report now as it is no longer relevant because it’s been officially removed from my credit report prior to this all taking place.

I paid off what I owed to Jefferson and they still have I owe 100$ on my credit report. I can’t owe them a hundred dollars if I paid off the $700 I owed them. I’ve tried to call them and I cannot get through to anyone.

For the record, I have NEVER received ANY service from Jefferson Capital System LLC. I sent a formal dispute letter seeking validation of the alleged debt which Jefferson Capital System LLC received at 5:42am on February 3 2020, evidenced by certified mail number ***. Jefferson Capital System LLC FAILED to respond with the requested competent evidence as per ***, *** etc. After thirty days, I sent another letter giving Jefferson Capital System LLC another opportunity to EVIDENCE the alleged debt but Jefferson Capital System LLC continuously sent prints of alleged bills, but FAILED to evidence the alleged debt. As per *** opinion letter from Attorney ***, you should be aware that a printout of a bill or itemized document does not constitute verification. I then disputed the derogatory mark (Jefferson Capital Systems) with the Credit Bureaus. Jefferson Capital Systems was then REMOVED from my Credit Report, but IMMEDIATELY reinserted. It is clear that Jefferson Capital Systems if GUILTY of FRAUD AND DECEPTIVE BUSINESS PRACTICES! Please help.

More childish companies preying on peoples misfortune I WILL pay my credit debt off Once you have removed the FCRA from my credit history and your company name off my credit history!!!!!!

I do not have contract with JEFFERSON CAPITAL SYSTEM, I am not liable for collection this debt from ***. I am not responsible for this debt.

Debt showing on my credit report stating that it was opened up in year 2017 with ***. I was stationed in Germany from the years 2015 to 2019. *** doesn’t work in Germany and I didn’t open up an account.

In July 2018, I signed up for a pre-paid account for wireless service. At the time of setting up my account, Verizon wireless representative noted that an erroneous charge from more than ten years ago services which I terminated. I disputed that old charge and Verizon Wireless removed it from the Verizon record, that is what I was told in 2018 and removed that "debt" from the credit reporting agencies.
There are no unpaid amounts on my account with Verizon Wireless. And still, either Verizon sells fake debts/accounts to collection agencies or collection agencies fraudulently acquire Verizon customers information and through adverse reporting are trying to make money on people.

JEFFERSON CAPITAL SYSTEM, a debt buyer on August 3rd, 2020, reported $526.00 is owed to the original creditor, Verizon Wireless.

We know the adverse effect of low credit score or issues on the report. This information must be removed and resolved one and per all.
This time I will not be satisfied with this complaint. I will file a complaint with the federal agency for consumer protection, State Attorney General office, and will close my wireless account and internet service.
It is very disappointing how companies take advantage of people by taking their information and use it to gain some profit. Sickening.

This company has a debt I owe. I contacted them today, 08.05.2020 to settle this debt. I asked for a web site that I could use to log into my account and pay. I was given ***, which gave a message that stated this site does not exist. I called the co.pany back and was given a wholly different site. I feel that this is not a legitimate way to conduct business.

I have contacted Jefferson capital and inormed the that the Verison account that they are seeking from me is in my ex husbands name. The customer rep was very rude and insisted that I opened it. I have never opened a verison account in my name. I toled them that I already siputed this with my credit report and that is was cleared. He finally said that he would mark it as dipsuted adter twenty minutes of aruging with me. He then hung up on me.

Hello this company has sent 2 letters now stating that I have a past due Verizon wireless account in the amount of $533. I have never had a Verizon wireless account and had a home phone over 10 years ago. I checked my credit report and do not show.any delinquencies and feel this company is harassing me over something that is not mine. I am very upset and a handicapped senior not able to deal with this stress and need your help to get them from harassing me. I owe nothing to noone.

I have contacted this company on numerous occasion requesting that they delete these false accounts. The amlount owed was 2018.00. I asked for a contract proving that these accounts held me contractually liable to pay them. They failed to send any information requested. they only sent a letter stating the amount owed. This in in violation of my consumer rights and the FDCPA/ Federal Rules of Civil procedure. I will give them one last chance to produce proof that the account is indeed mine. I know that the FCRA requires them to have proof the account is mines in order to report it to the bureau. They are reporting this false information and ruining my life in the process. it also is a violation of the HIPPA law to report this information. I will give them 15 working days to produce requested information and if they don't- I will file civil suit in the clerk of courts. Please govern yourselves accordingly

This creditor just put my account on collections, as it just showed up on my credit report. The debt in question is from 2016, and I never received a phone call or letter. Also, the debt rightfully belongs to my ex husband, as I was married at that time. I filed a dispute with Transunion, to be denied. I contacted the original merchant, and they told me that it had been sold to Jefferson Capital. I tried to contact them before going this route, but have received no response. I don't understand why this debt would suddenly show up in collections on my credit report, especially given the state of the country right now where people are struggling enough as is.

I received countless calls from countless phone numbers from this company. This company provided an offer to settle this account for $416.00 of the $787.58 and to remove the account from my credit in 30 days of payment. I proceeded to pay the $416.00 amount in full which posted to my bank account on 7/8/2020, my bank confirmed the payment was deducted from the company. Jefferson Capital continued to call me countless times from different numbers throughout the following days. On 7/10/2020 I told the man on the company that the account was settled because my payment went through and was posted on the above date. He told me that the account will be disputed because I refused to acknowledge that the due balance of $787.58 was correct, Jefferson Capital proceeded to send me mail threatening to continue to report this account to credit reporting agencies as fully unpaid although it was settled for $416.00. I am demanding that this debt is removed from my credit report as agreed upon per their settlement agreement.