OT-debt collection

[superjohn]

My mom sent me a text last night that she got a letter addressed to me from a company Jefferson Capital Systems LLC. Told her to open it and it says I owe like $800 to Verizon.

I Call the Jefferson debt agency and they give me the total runaround telling me they can knock $300 off my debt if I enroll in their program and at the end of it I'll get a credit card. I tell them I'm not doing anything until they send a letter to me.

They tell me to go to another website and plug in an invitation # which when plugged in shows my last name spelled wrong and an $800 debt I can knock down to $500 if I sign up for the program. I call the lady back and demand she send me a letter before I do anything to verify the charge (I haven't had Verizon in probably 6 years and if there is any owed money it's owed by me, I paid for my account, why are they sending it to another family member?) and to know the veracity of the company. She tells me even though the letter was sent to the wrong address they only send out one letter and she tells me to go back and plug in that invitation # again and sign up for the payment program to get a discount and a card, I hang up flabbergasted. I call Verizon to see if they have me on record as owing anything. They say they are transferring me to someone else that can help me and it's back to Jefferson Capital Systems.

This clearly seems to be a real debt collection company but everything about it screams scam. How do they expect someone to just give them money without giving me any documentation?

 

[Deepster]

I, for one, am not surprised you owe money and have a collection agency breathing down your neck.

 

[formerlurker]

May not work but I'd go to a local Verizon spot and at least talk to a warm body. I wouldn't pay them a dime if it were me.

 

[whaler11]

My mom sent me a text last night that she got a letter addressed to me from a company Jefferson Capital Systems LLC. Told her to open it and it says I owe like $800 to Verizon. Call the Jefferson debt agency and they give me the total runaround telling me they can knock $300 off my debt if I enroll in their program and at the end of it I'll get a credit card. I tell them I'm not doing anything until they send a letter to me. They tell me to go to another website and plug in an invitation # which when plugged in shows my last name spelled wrong and an $800 debt I can knock down to $500 if I sign up for the program. I call the lady back and demand she send me a letter before I do anything to verify the charge (I haven't had Verizon in probably 6 years and if there is any owed money it's owed by me, I paid for my account, why are they sending it to another family member?) and to know the veracity of the company. She tells me even though the letter was sent to the wrong address they only send out one letter and she tells me to go back and plug in that invitation # again and sign up for the payment program to get a discount and a card, I hang up flabbergasted. I call Verizon to see if they have me on record as owing anything. They say they are transferring me to someone else that can help me and it's back to Jefferson Capital Systems.

This clearly seems to be a real debt collection company but everything about it screams scam. How do they expect someone to just give them money without giving me any documentation?

if it isnt on your credit report who gives a damn.

annualcreditreport.com is free

 

[UCDaveD]

If you haven't had Verizon in a long time, the statute of limitations may have expired on the debt. I don't know where you live, but I believe it's 6 years in CT.

 

[alexd]

"This clearly seems to be a real debt collection company but everything about it screams scam "

You answered your own question.

 

[Chin Diesel]

Check your credit reports.

 

[TRest]

Tell them to pound sand, better yet just ignore. If this outfit files a small claims suit for the $800 then you can pay attention, and they will have to document how that debt arose.

 

[whaler11]

I did some freelance database programming for a legit collections co some years back.

They were legit but got paid on what they collected. The quality of data that companies gave them to collect was pure garbage. A big part of the reason they couldn’t collect in the first place was because it wasn’t valid.

 

[QDOG5]

Jefferson Capital Systems – 4 Tips For Jefferson Capital

 

[superjohn]

My credit is fine. Says if this isn't paid off by April 7th it will affect my score. Says the charge of date is from April 7, 2015.

How the hell do they expect me to pay it off if they won't even sent me a letter?

 

[Chin Diesel]

If you know you don't owe it, it may be worth verifying there wasn't someone using your name and address to get them Verizon phones. It seems like everyone I know is hit up with some level of identify theft every 3 years or so.

 

[Tex-Lager93]

They bought the debt, pennies on the dollar, from Verizon. Talking to Verizon won't get you anywhere. What they absolutely have to do is provide proof. If they don't respond to that via phone, send them a letter saying that you don't owe the amount.

 

[sledog]

You didn;t call Verizon forst to clarify??

I took it that his records were such that he didn't know if he owed Verizon $800 once-upon-a-time. I'm sure Verizon would clarify that.

 

[JMick]

You didn;t call Verizon forst to clarify??

It's not Verizon's debt anymore so they can't help him

 

[superjohn]

They bought the debt, pennies on the dollar, from Verizon. Talking to Verizon won't get you anywhere. What they absolutely have to do is provide proof. If they don't respond to that via phone, send them a letter saying that you don't owe the amount.

And they won't provide me proof, they won't even take down my address to send me a letter.

I can't believe they operate this way. Both women I dealt with on the phone were totally unprofessional and said just sign up to pay it to get a reduced bill. Name spelled incorrectly and they won't send me proof of charges

 

[UCDaveD]

Federal law gives you the right to request a debt collector provide proof that you owe a debt. It's the best way to ensure that you're not paying a debt you don't owe or a debt that the collector isn't authorized to collect on.

The debt validation request is time sensitive. You must make your request in writing within 30 days of the debt collector's initial contact with you. If you wait more than 30 days, your validation request may not be covered under debt collection law.

Your rights are not protected if you make your debt validation request over the phone.

Use This Letter to Dispute a Debt Collection You're Unsure Of

 

[whaler11]

My credit is fine. Says if this isn't paid off by April 7th it will affect my score. Says the charge of date is from April 7, 2015.

How the hell do they expect me to pay it off if they won't even sent me a letter?

You should give them Charlie Ebersol’s number. They can get a taste of that UCF money.

 

[Drew]

You should give them Charlie Ebersol’s number. They can get a taste of that UCF money.

This boneyard thread is worth the $800 owed in exposure for Jefferson Capital. Looks like everything’s been settled here.

 

[8893]

Is there an option to purchase a love potion for an additional payment?

 

[whaler11]

This boneyard thread is worth the $800 owed in exposure for Jefferson Capital. Looks like everything’s been settled here.

If someone tweets the link they owe Big Red $73.19

 

[whaler11]

And they won't provide me proof, they won't even take down my address to send me a letter.

I can't believe they operate this way. Both women I dealt with on the phone were totally unprofessional and said just sign up to pay it to get a reduced bill. Name spelled incorrectly and they won't send me proof of charges

You sure they aren’t Nigerian princesses?

 

[Mano]

PM me your name, address and social. I’ll sort it out for you.

 

[superjohn]

Federal law gives you the right to request a debt collector provide proof that you owe a debt. It's the best way to ensure that you're not paying a debt you don't owe or a debt that the collector isn't authorized to collect on.

The debt validation request is time sensitive. You must make your request in writing within 30 days of the debt collector's initial contact with you. If you wait more than 30 days, your validation request may not be covered under debt collection law.

Your rights are not protected if you make your debt validation request over the phone.

Use This Letter to Dispute a Debt Collection You're Unsure Of

Boom. Thank you, I'll do this.

 

[superjohn]

You should give them Charlie Ebersol’s number. They can get a taste of that UCF money.

Haha, he should he a meme.