Jefferson Capital Systems

Hello,

I recently saw a collection on my Experian credit report from Jefferson Capital Systems. I tried to contact them to inquire of this but was told I need an account number. If this is in fact my account, I need written documentation stating this debt is actually mine and I will need a FULL account number.

Experian shows an outstanding debt of $1,520.

I made a payment a couple years ago based on a settlement letter sent to me. The payment was not acknowledged and I had to dispute it on my credit report in order to the balance to at least update. I recieved another letter afterwards for the same account for another settlement. I made a payment online with the information they provided, in January that cleared in February. The wbsite then said that in 5 days a welcome packet would be sent. I have not recieved any correspondence regarding the payment I made. I called First Premier and they stated that they sold the account to Jefferson. I would like to know what was done with the payment and the account status. Emails and calls have been frutile.

I recently found out an account through Jefferson Capital has showed up on all 3 of my credit reports. After contacting the company directly, I was told “they could not find the account” through my social security number, name, address, or date of birth.

I asked if they could remove the accounts on my credit report and they stated they could not, since they couldn’t find my account. It has trashed my credit score!!!!

I believe this company has committed an 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. Plus there is no verification from the IL Secretary of State that they are registered in Illinois (my Military home of records) 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, I'm requesting this account 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.

All debt for Jefferson Capital was removed from my credit report in 2018. The original company for the debt has been closed since July 2019 and they were also removed from the credit report. When asked by the debt is showing again for a different amount, I was told the account was too old to get any information about the original debt. I haven't been a service member since 2014 and the only way to obtain that type of loan is as a service member. This new debt is not accurate. I should have been notified before this went onto my credit report. I also should have gotten more information when calling. They, instead told me the account was too old to see it contents.

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 FL Secretary of State that they are registered in Florida 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’m also an active duty service member.

In 2017, a collection was added to my account from Jefferson Capital Systems. The only reference number I have is 344426XXXX from my credit, I have never received a letter or call. I have attempted to dispute several times because I have no knowledge of this debt. I was not given notice that the collection was being added to my credit reports, which is a FDCPA violation. I am requesting 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.
I also was not given the 30 day period to respond before the collection was added, which is a right guaranteed to me by law.
If the above mentioned information cannot be verified, your collection must be deleted from all 3 credit reporting agencies.
Thank you

I would like proof of the debt being owed by me, as well as an itemized list of the charges from the original creditor. I'd like to get this resolved soon, of deleted.

This collection company purchased a debt from Verizon and they are attempting to collect a debt from Me for this. They have reported this to all the Credit Bureaus which are in my name. The amount is for $2188.00 which I do not owe Verizon anything. I would like to request a Debt verification letter for this account, with proof of my signature and all my information shown on an actual document that I personally signed.

JCS has added a collection to my credit reports dating back 2016, without my knowledge! This violates the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me and with no written agreements between myself and the original creditor. They 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 not received any form of contact (through mail, phone, etc) from when it was supposedly opened and just found out this year when checking my credit report.

I have disputed this collection via Equifax and also froze my credit monitoring account in the past from these people. My cousin had the same ordeal with a different company trying to collect a different amount regarding Verizon. When contacting Verizon, at the store, they advised us not to pay these kinds of people and could not find our collection statuses on our accounts. If you have an outstanding balance for Verizon you are not able to open a new phone contract. I have recently opened a new contract with Verizon and have an iPhone X max. This will be the escalated procedure I am taking because this is obviously not being solved. I have called them before and have been harassed in the past by these people. They only want payment, don’t provide details or when this amount accumulated or anyone else I could speak to verify the truth.

I settled my collection with this company as I am wanting to purchase a home. I was told that the collection account would be removed from my credit reports. I went in to start the home buying process and they told me that the collection is still on my credit report and it is actually showing up twice on one of the credit bureaus reports (same account & amount owed for a verizon account) I was told by my financial adviser to report this to Revdex.com ad they are reporting the same account twice and still showing account after being settled with promise to remove.

I keep getting billed for 1,173.29 from DTE account and iI have NEVER had my name connect to a DTE account. This is not my debt, and they are sending me bills that belong to another individual. I need this corrected and REMOVED from my credit report as I ABSOUTELY DENY these charges. I need this resolved. One would think they would have a process to do collection accounts with more accuracy.

I received an unexpected call from them about collecting a student loan debt. I had no idea that it went to collections. When I spoke with the representative, he stated that I can settle or make payment plans. I’ve never received a physical letter through the mail or anything. I had no clue and it seemed sketchy to get a random call asking for my routing and account number. I need some type of mail or at least an email.

Jefferson is stating I owe them money someone used my name and SS. I had already contacted them this items still remains on my account

Company reported against my credit with zero information as to how they acquired the collection, or arrived at the collection amount.

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 VA Secretary of State that they are registered in VA which is also against the FDCPA!

I requested via certified mail 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. and they failed to comply.

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 paid Jefferson Capital Systems the full amount owed through a collection action, in one lump sum. A few weeks later (November 2019) they initiate a garnishment and collected over $900 from my wages which was after being paid in full. I have made several telephone calls, inquiries, emails to no avail. After 4 months I have not been refunded the amount owed to me.

Collector has failed to comply with FDCPA requirements. Account opened in October 2019 without my consent or knowledge of them doing so. Agency never sent any proof that it owns or has been assigned any debt from an alleged original collector. The debt collector has failed to send sufficient proof of any alleged debt. The debt collector has failed to make any contact to provide any documentations regarding alleged debt. The debt collector has set up an account without explanation, authorization and required documentation. Improperly opened account has adversely affected credit score due to unethical & illegal debt collection tactics.

Constant calls to myself as well as my family and friends. Threatened to garnish my wages and take legal action against me after telling them that I am currently unemployed with no assets.