CL HOLDINGS LLC

2019-09-25

Darien, IL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-09-25

Las Vegas, NV

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I had no idea of this company JEFFERSON CAPITAL SYSTEMS has been placed on my credit, this don't belong to me disputed and they still reporting, do not recognize t
Company Response: Closed with explanation

Timely Response

2019-09-25

Elmwood, LA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-09-24

Shalimar, FL

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: Started a family plan with myself and my mother. She was diagnosed with XXXX XXXX XXXX XXXX In XX/XX/2013. I spoke with XXXX on many many occasions notifying them of our situation. The monthly statement clearly indicated there was zero use from XX/XX/2013 until her sudden and untimely death on XX/XX/2013. Documents show I continued to pay In order to keep my phone connected. After all, I just lost my mother who was only XXXX. The reps were plain rude, insensitive and of no help. They refused to allow me to end our plan. I was told verbatim, Do you know how many people fake their parents dying to get out of a plan? Meanwhile Im sobbing and said check her usage. She has been hospitalized. I had her obituary for proof. I even have her death certificate. And still, XXXX could care less. So much for customer service. They stole from us. I have statements and emails verifying payments were made up until they refused to change our plan. One of their customers was now deceased and it was my word against theirs even though I had proof. And what a shame!! I wonder how many other customers they treat like this? Also, I dont see any correct dates for this account on my report. I tried calling the debt buyer in hopes of resolving this matter recently at which time I was conveniently dropped from the call @ XXXX and again when I called back and spoke to a different rep named XXXX XXXX XXXX last month.
Company Response: Closed with explanation

Timely Response

2019-09-23

Jupiter, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX JEFFERSON CAPITAL SYST XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious JEFFERSON CAPITAL SYST XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Company Response: Closed with explanation

Timely Response

2019-09-23

Rochester, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: The original debt to XXXX XXXX ( the creditor ) was charged off many years ago and has long since exceeded the statute of limitations established in the state of Florida where I resided when the delinquency was incurred. Jefferson Capital Systems, XXXX XXXX XXXX , XXXX. XXXX, MN XXXX, illegally re-aged the debt in XX/XX/XXXX, effectively restarting the clock, claiming that it now expires on XX/XX/XXXX. I took no actions which would legally allow Jefferson Capital Systems to take this action. Jefferson Capital Systems continues to report negative information to the 3 credit reporting bureaus which have inhibited my ability to receive favorable terms on a mortgage and two car loans.
Company Response: Closed with explanation

Timely Response

2019-09-23

South Florida, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX JEFFERSON CAPITAL SYST XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious JEFFERSON CAPITAL SYST XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Company Response: Closed with explanation

Timely Response

2019-09-23

New Orleans, LA

False statements or representation

Debt collection: Auto debt

Attempted to collect wrong amount
Complaint: On XX/XX/XXXX, I disputed JEFFERSON CAPITAL SYSTEM in the amout of {$11000.00} and XXXX XXXX XXXX is the Original creditor. As a result they listed the date that I disputed the account as the day the account was opened. In order for them to keep this on my ports for the next seven years or more. JEFFERSON CAPITAL SYSTEM Last reported XX/XX/XXXX {$11000.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 1 yrs, 10 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-09-23

Lebanon, TN

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-09-22

Fithian, IL

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I had an account with XXXX XXXX in 2013 and I went in the XXXX store to pay my bill with cash and they told me that they don't accept cash as a form of payment. My plan was a prepaid phone account. So if I didn't make a payment in advance I wouldn't have any service so how can I owe a bill on a prepaid account. Thank you for your time and consideration.
Company Response: Closed with explanation

Timely Response

2019-09-22

Lewiston, NY

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: CFPB complaint XXXX addressed the FINAL XXXX XX/XX/XXXX Statement with a paid in full, account # XXXX, balance {$0.00}. Jefferson Capital Systems LLC has fraudulently manufacture account # XXXX with an imagined amount of {$1500.00}. IRS ruled XXXX XXXXs identity theft with the ongoing requirement of a PIN, identity protection #. The XX/XX/XXXX Jefferson Capital attachment remains intentionally corrupt in the absence of the original XXXX XXXX signed and authorized account # XXXX service contract. XXXX XXXX and XXXX XXXX have also refused provision of original XXXX XXXX signed and authorized account # XXXX service contract. Respectfully there was never an XXXX XXXX signed service contract. CFPB has scrambled XXXX, not available to XXXX and illegally shared this complaint with non-interested parties. URL No Longer Exists You have attempted to reach a URL that no longer exists on XXXX. You may have reached this page after clicking on a direct link into the application. This direct link might be : A bookmark to a particular page, such as a report or view A link to a particular page in the Custom Links section of your Home Tab, or a Custom Link A link to a particular page in your email templates If you reached this page through a bookmark, you are probably trying to access something that has moved. Please update your bookmark. If you reached this page through any of the other direct links listed above, please notify your administrator to update the link. Thank you again for your patience and assistance. And thanks for using salesforce.com
Company Response: Closed with explanation

Timely Response

2019-09-22

Addicks Barker, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-09-22

SC

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response: Closed with explanation

Timely Response

2019-09-21

Boynton Beach, FL

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Company Response: Closed with non-monetary relief

Timely Response

2019-09-20

Jasper, AL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-09-20

WA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Collected or attempted to collect exempt funds
Complaint: Jefferson Capital Systems , LLC, is a debt buyer that purchased a charged-off account from XXXX XXXX XXXX XXXX with a closing date of XX/XX/XXXX. XXXX XXXX XXXX XXXX acquired the charged-off account from XXXX on XX/XX/XXXX. XXXX is the owner of XXXX credit accounts. On XX/XX/XXXX a Summons and Complaint was delivered to a person at my residence of XXXX XXXX XXXX, XXXX XXXX, WA XXXX. On XX/XX/XXXX I sent my response to the Summons and Complaint certified mail with return receipt requested. Upon receipt of the Interrogatories and Admissions, I completed and returned them along with a letter dated XX/XX/XXXX explaining my exempt status and my Social Security XXXX Award Letter. I advised them that the only income I had was Social Security XXXX, which was exempt from collection.The next thing I received in the mail was Note The letter stated that if I choose to ignore the letter, Jefferson Capital Systems , LLC. may seek to enforce the judgement through remedies that it typically seeks, such as obtaining a court order to garnish my wages, levying my bank account, or placing a lien against my home I find this threatening, manipulative and harassing since they are making threats to try to get me to pay on a debt that is clearly exempt from collection activity and illegal to pursue in regard to garnishment, levying or liens. In addition, Jefferson Capital Systems , LLC. is not a creditor but a debt buyer. They are not collecting for the original creditor only for their own profit. They paid pennies on the dollar to purchase the debt, which was not purchased from XXXX or XXXX, but purchased from XXXX XXXX XXXX XXXX XXXX to their threats of pursuing more court collection activity they are causing physical, mental and emotional problems for me. This is not good due to my fragile physical health already, I am asking for your assistance in getting them to understand that my income is exempt and therefore, they have no legal right according to law to pursue collection of this debt.
Company Response: Closed with explanation

Timely Response

2019-09-19

Arco, CA

Written notification about debt

Debt collection: Auto debt

Didn't receive notice of right to dispute
Complaint: I had a auto loan with XXXX financial, XXXX without any knowledge to me sold the debt to Jeffeeson capital for {$9200.00}. I was never contacted by Jefferson capital by phone, mail or any other means. I called XXXX because i totaled the car. They advised me that i needed to contact jeffeeaon capital So when i did i was told that ibowe the in excess of XXXX more that the car was every worth i ask forba brake down of the charges and was hung up on i called back for clarification asked for a manager and was told no one was available. I contacted XXXX against because i know i didn't owe them this amount when it was explained that they sold the the debt only for whatbwas owed XXXX not XXXX what Jefferson capital is trying to collect from me without explanation!
Company Response: Closed with explanation

Timely Response

2019-09-18

Vicksburg, MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: i am not understanding HOW these companies are ALLOWED to update our credit files with Account information disputed by consumer, meets FCRA requirements, but they DONT send the ACCUSED CONSUMER any documentation. I have not gotten ANY responses from the last XXXX disputes that I have filed with this company. I am writing to the Attorney General 's office as well to make them aware because I have written to the credit bureau XXXX SEVERAL TIMES ) as well as the collection agency stating this is NOT my account and that I want VALIDATION done to prove this is my account. I have yet to recieve anything with my signature on it showing I signed for service. I am demanding this be removed from my credit file. Validation has NOT been completed as requested several times.they have neglected to complete their dispute process within the XXXX days allowed and NEVER send me any type of documentation.
Company Response: Closed with explanation

Timely Response

2019-09-18

South Florida, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: THIS WAS A RESULT OF IDENTITY THEFT, THIS ACCOUNT IS NOT MINES.
Company Response: Closed with explanation

Timely Response

2019-09-18

Covina, CA

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Company Response: Closed with explanation

Timely Response

2019-09-17

Tampa, FL

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: XXXX XXXX XXXX has an account on my credit that is not mine.
Company Response: Closed with explanation

Timely Response

2019-09-17

Liverpool, TX

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: My husband XXXX and became XXXX, making me unable to make payments. I asked for XXXX protection as well as asked about the XXXX XXXX XXXX. I inquired about the XXXX credit protection in place, as part of a payment. The company refused to look into any provisions in place for a military members family. This debt collection company has now bought the debt and has not validated it nor looked into these protections on the original account. They continue to report a negative balance of {$490.00}, despite me disputing and the ability to provide documentation. This is a shame to military members who become XXXX serving their country and debt buyers as such are the bottom of the barrel.
Company Response: Closed with explanation

Timely Response

2019-09-16

OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: To Whom It May Concern, The reason for my dispute is JEFFERSON CAPITAL SYSTEMS XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, JEFFERSON CAPITAL SYSTEMS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) JEFFERSON CAPITAL SYSTEMS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationJEFFERSON CAPITAL SYSTEMS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where JEFFERSON CAPITAL SYSTEMS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.JEFFERSON CAPITAL SYSTEMS has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Company Response: Closed with explanation

Timely Response

2019-09-16

Austin, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-09-14

Louisville, KY

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: Jefferson Capital systems bought a debt from a company that tried to place something on my credit report after being unsuccessful they sold the debt to Jefferson Capital systems. The original debt came from a company by the name of XXXX XXXX XXXX once XXXX XXXX XXXX was removed from my credit report XXXX XXXX sold the debt. I owe no money to XXXX XXXX, Jefferson Capital systems or XXXX XXXX XXXX. I've reached out to the country several times for them to show me all documents pertaining to this debt. I still have not received anything showing that I am responsible except for them reporting this information on my credit report falsely.
Company Response: Closed with explanation

Timely Response