Jefferson Capital Systems

On or about January,21,2019 Jefferson Capital Systems/Solution LLC placed an active collection on my credit file with all 3 major credit bureaus. I placed a fraud alert on my credit reports and Dispute the collection several times.The results were the same each time the account holder has certified that the information is accurate and no changes.After my attempts to Dispute information with credit bureaus, I decide to request validation of the debt. On or about June, 5, 2019 I mailed a detailed validation letter to Jefferson Capital Systems/Solutions LLC asking for proof to validate the debt. In my previous disputes I explain the debt wasn’t mine and my credit file had been merged with someone else’s and I believe that this debt was fraudulent. In response Jefferson Capital/System LLC on or about June 25,2019 sent me a copy of a bill from Verizon Wireless with a balance due of $3,547 dollars due immediately with address that didn’t belong to me. Jefferson Capital Systems, LLC did not validate the debt correctly as the FCRA regulates. Jefferson Capital Systems/Solution LLC is reporting to Credit Agency’s monthly as this is a new account in my Name. The bill that was supplied to me states the debt had occurred in 2016 if that information is accurate then they are violating FCRA rules and regulations by restarting the debt . In return my credit files are being adversely affected and this is deformation of my character and other creditors see me as a High Risk. I’m asking that they provide competent information that validates this is my debt and they abide by the FCRA and the state of Texas collections regulation. In return my credit files to reflect the accuracy and delete the information that is untrue and not belong to myself. I will seek legal action and contact the Attorney General office if Jefferson Capital Systems/Solution does not comply with the regulations set forth for the consumer.

I submitted a complaint through this website on 6/19/2019 (Complaint ID #13630879) and received a message the following day from Jefferson Capital Systems stating they would be reaching out to me directly via mail within 7-10 days from 6/20/2019. Today makes 11 days and still no response. VERY unprofessional which is a continuing trend for this company.

Original complaint:

Jefferson Capital Systems added collection to my credit reports without my knowledge. I checked & can't verify their registration in California. BOTH are FDCPA violations. Jefferson Capital put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the LA Secretary of State that they are registered in California which is also against the FDCPA. I request that Jefferson Capitol verify the following information. 1. Full original Account Number 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 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. If Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all CRAs. Jefferson Capital Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.

I have two collections from this company says both accounts were opened in 2018 for the amount of over 1,000!! One is for verizon other is fingerhut!! Have not received any letters to my address stating a settlement. Have not received any phone calls. Violation!? This is ridiculous. Hoping to get this issue solved and get this collection taken off of my credit report!

I requested a copy of my credit report because I was recently denied credit and in my report is Jefferson Capital Systems. I have not received anything from them, I do not know what this is from. They added collection to my credit reports without my knowledge! I checked & can't verify their registration in Texas. BOTH are FDCPA violations! Jefferson Capital put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the TX Secretary of State that they are registered in Texas which is also against the FDCPA! I request that Jefferson Capitol verify the following information. 1. Full original Account Number 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 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. If Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all CRAs. Jefferson Capital Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.

I've have been contacted and threatened with a lawsuit an/or having my wages garnished by Jefferson Capital 3 times over the last 2 months. They are obligated by law to provide me details regarding their claim against me by mail within 5 business days. I have still yet to receive any information for them. The calls are threatening and are at inappropriate times, I've received a call on a Sunday which is not allowed. I cannot confirm or deny their claims since I've not even been presented with any form of documentation as of yet.

This account was originally with Verizon wireless. They turned it over to Jefferson Capital Systems debit collection. The account was supposed to been closed & now further charges was what a Supervisor at Verizon told me years ago. Her name was ***. I didn't get her last name. Verizon wasn't supposed to have sold me their service due to not being local. If I used it I was roaming. It was available in my area. So I thought it was closed & no more charges were supposed to been the case. They waited several years to contact me. I don't believe this is fair. I don't believe I owe this company. I want them to do what they said. Close it out & no more charges & that I don't owe them anything. This was wrong to sale me something that wasn't available in my area.

This company showed up on my credit report dropping my score many points ! This company never called me or sent me anything in the mail or call to validate the account they just showed on my credit report collecting for finger hut ! I called made payment arraignments with them for $100 a month staring 5/31/19 I sent the payment in so they called my Mother's phone today..My Mother is 79 yrs old. They have my number and why are they calling when I already sent the payment?? This collection should be cancel because they breech the original agreement of $100 saying that I didn't have any agreement which I have proof that they sent me a statement with the approved payment ! I also feel they should have validated the account before posting on my credit report and dropping my credit score ! This company posted twice on my credit report ! This should illegal ! Companies like this should not be allow to this. My reference # ***. Where did the payment go I sent in..I think they are keeping the money .

In checking my credit reports, I have seen a derogatory mark from Jefferson Capial Systems with an opening date of Oct 1, 2018. This was reported without my knowledge. I did not open an account with Jefferson Capital Systems. I would like Jefferson Capial to verify the validity of this debt by verifying the following: 1. Full original Account Number 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 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. If Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all Credit Reporting Agencies. Jefferson Capital Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law before reporting.

Thank you

Jefferson Capital Systems added collection to my credit reports without my knowledge. I checked & can't verify their registration in California. BOTH are FDCPA violations. Jefferson Capital put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the LA Secretary of State that they are registered in California which is also against the FDCPA. I request that Jefferson Capitol verify the following information. 1. Full original Account Number 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 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. If Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all CRAs. Jefferson Capital Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.

Stated was going to take me to court to pay debt.

I requested a copy of my credit report because I was recently denied credit and to my surprise Jefferson Capital Systems was on my report. I have not received anything from them. They added collection to my credit reports without my knowledge! I checked & can't verify their registration in Texas. BOTH are FDCPA violations!

Jefferson Capital put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the TX Secretary of State that they are registered in Texas which is also against the FDCPA!

I request that Jefferson Capitol verify the following information.
1. Full original Account Number
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
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.

If Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all CRAs.

Jefferson Capital Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.

This collection agency have failed to contact me or reach out to me before putting information on my credit report. I have asked for a debt settlement and for them to send me something in writing stating they agree to the settlement. They have failed to send me a letter stating they agree but they stated that they can settle by word of mouth. I agreed to pay settlement and for the account to be deleted off of all three credit bureaus.

On April 21st I checked my credit report and realized there was an account reporting derogatory. On April the 23nd 2019 I mailed Jefferson Capital Syst in regards to account number ***. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws of the debt they claim I owe of $502. I has been almost two months now and they have not responded to my letter that was sent certified mail on April 23rd 2019. Not only has it been more than 30 days since they signed for my letter on April 29th 2019, but they also have not updated my credit report to show that this account is in dispute.

I am considering the possibility of settling this debt.

I accept no responsibility for ownership of this debt. However, I’m willing to compromise. I can offer a significant settlement amount in exchange for the following:
1.You agree, in writing, to designate the account as “payment in full” once you are in receipt of the agreed upon payment amount. The account will not be designated as a “paid collection” or “settled account.”
2.You agree, in writing, to completely remove any and all references to this account from all credit bureaus to which you report.

I am willing to pay the full balance owed / $1,153 as settlement for this debt in exchange for your agreement to remove all information regarding this debt from all credit reporting agencies to which you report within fifteen calendar days of receipt of payment.

When I am in receipt of a signed agreement with the aforementioned terms from an authorized representative on your company letterhead, I will pay $1,153 via .cashier’s check/wire transfer/money order.

Thank you for your time

Jefferson Capital put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the State of Florida that they are registered in which is also against the FDCPA! I request that Jefferson Capitol verify the following information. 1. Full original Account Number 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 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. If Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all CRAs. Jefferson Capital Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.

Jefferson Capital Systems added collection to my credit reports without my knowledge. I have never received any written correspondence from this company whatsoever. JCS put collection on my credit reports without my knowledge and in doing so, violated the FDCPA Collection Practice by placing a collection on my credit report without sending a letter to me.

Jefferson capital unknowingly placed a collection debt on my credit report. I have never heard from this company by phone or by mail. I have disputed their account and records with no results. The account they claim I own does not belong to me and I have also disputed the original creditor. Jefferson Capital states I opened an account with them in 2016, which is inaccurate as I have no knowledge of ever being involved with this company. Their inaccurate reporting acts have negatively impacted my credit and has hindered me from being able to progress forward for my children and myself.

They added collection to my credit reports without my knowledge! This is a FDCPA violation! Jefferson Capital put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. I request that Jefferson Capitol verify the following information. 1. Full original Account Number 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 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. If Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all CRAs. Jefferson Capital Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.

I have reached out to Jefferson Capital Systems on multiple occasions to let them know of a fraudulent account under my name and social security number. I asked them to furnish me with an detailed list of billing, showing what items I was supposed to be charged for and I was never recieved any information from them after 4 calls to them. I have NEVER received any kind of services or goods from Nordstroms and I am not financially responsible for this account and any charges are fraudulent!!! The company removed all charges from my credit history previously and after I resolved this charge it keeps appearing again and again after months of being in dispute with this fraudulent company. I want this item removed from my credit report NOW AND ONCE AND FOR ALL and I want a letter to be furnished showing that this is a mistake because this is hindering my able to obtain credit at places and my last resort WILL be to pursue further legal action to have these items removed and an civil suit issued.

Jefferson capital. Is tryong to collect a debt that 1 isn't a debt. *** failed in thier billing. 2 according to federal law. Collextions for cell phone debt ( which dont exist) is limited to 2 years. According to them the debt is 6 yeara old. 4 years over the federal limits for collection.