1st I want to thank everyone who has and is helping me clear up my husband's credit report and mine. This was the 1st step we took for my husband's and it worked!!!
On July 1st My husband made a complaint with the BBB that Jefferson Capital Systems was on his credit reports without prior knowledge and that they are NOT registered in the state of Louisiana.
I do not understand this part: The account was subsequently placed with two different agencies between September 2014 and July 2, 2015 for collection efforts. and yet they say the account won't be sold! This is the only collection agency that was on the report for Zales! Oh and they also reported as a Factoring Company!
Husband's Complaint:
They added collection to my credit reports without my knowledge! I checked & can't verify their registration in Louisiana! 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 Louisiana 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.
Here's their reply:
On July 07, 2015, the business provided the following information:
Re:
Jefferson Capital Systems, LLC, Account #3088737861
Debt Description: Citi-Zales
Case #
Dear Mr. Luecke:
We are in receipt of your correspondence sent on behalf of Mr. Roberts concerning the account referenced above. Jefferson Capital Systems, LLC, is registered to collect in the state of Louisiana.
According to the information provided, the account was opened in May 2009 and charged off in October 2010. Jefferson Capital Systems, LLC, purchased the account in August 2014 with a balance of $822.91. The account was subsequently placed with two different agencies between September 2014 and July 2, 2015 for collection efforts. According to our records, Mr. Roberts was sent the Right to Dispute letter on March 9, 2015 and no written dispute was received from him. Although we disagree with the merits of his dispute, we have closed our file and terminated collection action. We are also notifying the credit bureaus to delete our trade line from Mr. Roberts credit file and this confirms the account will not be sold.
We appreciate the opportunity to respond.
Sincerely,
Shirley Smith
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
866-516-3772
Starting all over again!
Thanks
