Date Received: 2016-05-15
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Consumer Complaint: I received a bill from XXXX wireless I kept disputing but it comes back verified and updated.i kept disputing debt and never received verification that debt was mine.it has been sent to several collection agencies and keeps being updated. Recently debt has been updated to XXXX 2015 as a current debt.
Company Response:
State: CA
Zip: 91764
Submitted Via: Web
Date Sent: 2016-05-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-13
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: This debt was purchased by Jefferson Capital XX/XX/2014. I did not receive communication, though they insist they sent it. Calls to Jefferson Capital informed me to first call their account reps to get my information. Another call said the debt had been sold to a company called XXXX. A call to XXXX told me it had yet been sold to another company. I have n't received any kind of information from these companies with debt validation or giving me the right to dispute. The last company 's rep said she " was n't sure '' if they still had the original account information. I feel as if I 'm being run around in circles. As for my credit report, this account appears as it still belongs to Jefferson Capital.There are multiple inconsistencies across all reports.
Company Response:
State: FL
Zip: 33803
Submitted Via: Web
Date Sent: 2016-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-11
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I received a letter with the mailing address of XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX - attached XXXX XXXX XXXX XXXX XXXX is the principal agent for XXXX, XXXX ; and I believe XXXX XXXX XXXX is XXXX in the same as XXXX XXXX XXXX. In Letter A, there is an offer to settle an unverified DEBT at XXXX % off with some company called JEFFERSON CAPITAL SYSTEMS , LLC XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX is acting as President and Chief Executive Officer of JEFFERSON CAPITAL SYSTEMS , LLC. ; and i believe XXXX XXXX is one in the same as JEFFERSON CAPITAL SYSTEMS , LLC. I responded with a notice offering to settle the DEBT upon presentment of a verified and signed bill with a bill of particulars showing what damage/loss/harm i cause this alleged 'CREDITOR ', one XXXX XXXX - attached Notice A. I afforded XXXX XXXX XXXX working for XXXX XXXX 15 days to answer my offer to settle this DEBT ; but there was no response - see attached Certificate of Non-Response. 30 days after Notice A, i sent a followup notice that i wish for XXXX XXXX XXXX and XXXX XXXX to cease and desist since there is a failure to verified this DEBT, and that i wish for them to purge their databases of my information and remove any negative reports to my credit immediately - attached as Notice B. On XXXX XXXX 2016, my Notary received a letter from XXXX XXXX XXXX that fails to state a DEBT that i am obligated to settle ; in fact there is no amount stated, no damages claimed, no losses ... its not even a bill - attached Letter B. I believe Letter B is absolute rubbish. On XXXX XXXX 2016, i received a letter from XXXX XXXX saying that XXXX XXXX XXXX has an offer to settle a DEBT - attached as Letter C. I believe Letter C is an attempt to collect on an unverified DEBT sent through the Post Office, which is fraud. I believe I have acted in good faith to settle this DEBT alleged by XXXX XXXX and XXXX XXXX XXXX, but enough is enough.
Company Response:
State: AR
Zip: 85339
Submitted Via: Web
Date Sent: 2016-05-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-07
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I contacted this company when I saw it was on my credit report. The reason I called was because the amount showing owed is twice the amount that was originally owed and left unpaid. I asked to verification of the debt and was given the runaround. Also the debt is showing as recent as last year and this is not accurate either. The original delinquency date for this debt was in XXXX 2013. This company is reporting a date that makes it look like this was as recent as last year which is not correct. I was told someone would call me back with verification information but the only person that called was a collection agent to tell me how much I owed and how did I want to pay. I informed the agent that I was not going to pay anything until a verification of debt was done. He told me that all debts are verified before being handed over to them for collection so he could assure me that the debt was accurate and up to date. I thanked him for his time and ended the call.
Company Response:
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2016-05-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-04
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I have an account that twice in my credit report
Company Response:
State: MA
Zip: 01108
Submitted Via: Web
Date Sent: 2016-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-03
Issue: Getting a loan
Subissue: Can't qualify for a loan
Consumer Complaint: Thank you for taking the time to read this issue. On my credit reports ( XXXX XXXX XXXX XXXX has Charged Off/Transfer my account to a collection company XXXX XXXX XXXX. I filed Bankruptcy in XXXX XXXX. In XX/XX/XXXX my loans were in Forbearance, due to Unemployment. My other XXXX loans were all in Forbearance during this time. I am not sure how XXXX XXXX could charge off and put my loan in a collection agency while loans were in Forbearance. I have called XXXX and was directed to contact XXXX ; I contacted XXXX and was then directed to contact Georgia XXXX. Any assistance that CFB can provide will be greatly appreciated.
Company Response:
State: GA
Zip: 30046
Submitted Via: Web
Date Sent: 2016-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-28
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: XXXX is showing in my credit history for a debt of {$720.00}
Company Response:
State: CA
Zip: 93940
Submitted Via: Web
Date Sent: 2016-04-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-27
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Consumer Complaint: Hello, I have a collection account from XXXX that was slated to drop off of my credit report soon, because we 're coming up on 7 years. About a year ago, my credit score dropped and XXXX, whose credit monitoring service I use, told me it was because of a new collection account. It is the same collection that was slated to drop off, but now it says that it was opened XXXX/XXXX/XXXX. XXXX XXXX was the original creditor. They charged me a ton of money in overdraft fees and I could n't afford to pay it. I have attached more info regarding this debt. I think it 's unfair that a collection account that is scheduled to drop off has been reactivated, with a corresponding hit to my credit score. It sounds unethical and possibly illegal. Thank you. -XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 982XX
Submitted Via: Web
Date Sent: 2016-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-27
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I requested proof of this debt with a signature and they did not forward any information. A print out does not validate and there are several XXXX
Company Response:
State: IL
Zip: 617XX
Submitted Via: Web
Date Sent: 2016-04-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-27
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I have requested validation several times and yet to receive anything except for a collection notice
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2016-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No