Jefferson Capital Systems
Reviews and Complaints

My family received a letter saying we owe $85.08 with Jefferson Capital Systems when we hadn't been a customer them for 10+ years. I'm furious cause we had paid the full amount due on the account before we left AND my mother, who's name was on the account, doesn't even have the funds to pay the amount that they want her to pay due to other bills. Will be contacting them on Monday to dispute the claim and if they won't do anything I will be contacting our previous phone carrier to dispute this because we had paid the amount due to them before we switched phone carriers.

Not impressed at all. Website is NOT secure. Also, why does their website NEED me to accept cookies? Called to settle my bill and they tried to charge me more than what their letter said. I pointed out their letter said the settlement was for half if I paid it up front. After things were said and done over the phone, they tried to hang up BEFORE giving me a reference number. If you do any business with them over the phone, I suggest using something like a Green Dot card. They will not have direct access to your bank account if you do this.

Jefferson Capital bought an old debt (that was 5 years old) and is reporting it to the credit bureaus as a new and open account! The debt balance Jefferson Capital reported is incorrect. The account is closed, not open. I personally closed the account myself! I contacted Jefferson Capital and insisted I be provided with complete validation of the debt. I was told they are not able to send documentation. What the heck? I will undoubtedly expose the fraudulent heart of that business. I contacted the FTC and they told me to file a complaint on their website.

I am going to file a report with the Federal Trade Commission and any other federal agency. Somehow, this company has my phone number and address and send harassing calls and physical mail to me. The odd thing is the intended recipient is a different individual (not my name). I called and barely understood the guy, who was rude. He immediately asked for my Social Security Number (SSN). I said I was not going to give out my SSN. He rudely told me to "hold" and "wait" and he would remove my phone and address. After reading other reviews, I am entirely convinced this company is fraudulent, especially the comments about a minor being threatened. I am a service member and I plan on contacting a lawyer before they get out of hand.

I have read many complaints about this company, Jefferson Capital, I must say they have been more than fair to me. I found myself not able to rent an apartment because of a past due account that Jefferson Capital has of mine. I called them and they have been very willing to accept my offer of payment. I did have to give them my bank information at this point I had to clear this matter up and took the chance of having to give them my bank information. They have been very professional in every aspect. I even asked if my payment could be lowered after a few months and they worked with me. I find no problem at all with this company, they have been very kind and courteous on the phone and when my next payment comes due I always get a note in the mail from them stating that my payment will be taken out. They always give more than enough notice in case you need to change it.

I was contacted via phone by this company stating that I owed money to Verizon Wireless. I got off the phone with them to contact Verizon because I didn't have an account with them ever and they found my identity was compromised, closed that account and said they would be taking care of everything. I then kept receiving phone calls and items in mail stating I need to pay them. I called and stated that this was found to be fraud and needed to be handled. I spoke with them 2 months ago and this is still not handled. They said a claim was being made and they would have the investigation team reach out to me. Well I wanted to talk to the investigation team because I had proof from Verizon that I wasn't liable for this debt. She said that they don't take calls. Makes no since if they are an "investigation team" they should take calls so they can get proper documentation. What else are they going to investigate? I need this to be handled now. I have proof I am not liable for this debt, and I keep getting spinned in circles with them. One guy went as far as saying he would transfer me, and then transferred me to the IRS. Seriously?!?!

I was afraid to call. I knew I owed this debt, since at least 2018 it was the principle of the thing- with an old phone number. I hated them & what they had done to me, so I didn't want to pay it back then. But Jefferson Capital gave me three options (sent a VERY NICE letter, via regular mail NO harassment). When I called to tell them that sadly I couldn't accept any of the three ways they were giving me out of this mess. . . because of my (numerous/terminal) health issues, I have no income...& instead of harassing me, scaring me or making me feel inferior & guilty ~ the GENTLEMAN placed me on a very brief hold ~ & when he came back on the line he stated, Mam I've spoken with my supervisor (thought, oookay here we go) & she approved the CLOSURE/NO further action on this account, you will be receiving NO further contact & your credit report should reflect this within 30 or so days.. . .excuse me, WHAT?! . . .I just LOST IT, a weight has been lifted. THE ONLY debt/bad mark on my credit I'd had since *** will NOT remain a thorn in my child's side, when I'm gone. THANK YOU Jefferson Capital Systems, LLC! & to the two employees (I hope you see THIS!): ~THANK YOU, THANK YOU, THANK YOU~

In April , a collection was added to my account from Jefferson Capital Systems. The only reference number I have is [reference number], 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

This company runs such a scam but legally lol. So I only owed $1700 on my vehicle. I had missed a payment in April, paid May and hadn't yet paid the June payment but had tried to call several times but due to their hours, long hold times didn't get through. So they came to repossess my vehicle and I immediately called and tried to give them the full remaining balance owed but they wouldn't hear of it. ...because they wanted to repossess my vehicle in hopes I couldn't pay it and turn around and sell it for a profit so they picked the vehicle up. I went and sent the full payment that day via MoneyGram and called them at 320 pm CST to give my reference number but they would not take my calls and I kept getting messages saying that department was closed...at 320 pm despite their hours staying 6 pm. So then...they wouldn't allow me to get the vehicle the next day because ..."that's not a release day" so finally got my vehicle back the next day. Now I'm being charged $1065 for "repossession fees" despite the fact they could have taken my full payment and not towed or repossessed my vehicle. Don't ever miss a payment when your balance is that low because it is what this company strives to do..prey on your misfortune. Never ever will I finance with them again.

Maybe I shouldn't have mentioned to them I know they purchase these loans for significantly less than their value, I don't know. Most irresponsible, disorganized, self-profiting, unprofessional company ever. They won't return calls and the individuals answering the phones fail to provide concise information; instead, I am continuously pushed around with a promise of a call back. It has been over a week and I have yet to receive any response. They initiated a garnishment because I couldn't meet their exorbitant payment demand, resulting in the loss of my job of 10 years until I resolve the garnishment. Consequently, I not only have no income, but they have nothing to garnish. Despite this, they continue to dismiss my requests for information and repayment options. I fail to comprehend why they prioritize ruining someone's life over receiving any form of payment. I have informed everyone I have spoken to at this company about this issue, yet I still haven't received a call back. I leave daily voicemails for the attorney responsible for the garnishment, but still no response. I was advised to speak with the individual in charge of garnishments, information that could have been provided days ago, and still no response. This company's practices are questionable and solely driven by their own greed. American G should thoroughly investigate them, along with every other consumer protection agency. Disgusting.

11 years ago, I joined the army and decided to get a phone plan through a certain company for me, my brother who was also in the army, and my father. Lasted about 3 months. Hated it. So I went into a specific store right off base and paid 900 cash to cancel all 3 lines. The company tried telling me I never paid. I proved to them I did. And that was that. Fast forward to today. I start getting collections notice for that exact account saying I owe over 3000 dollars now. Now I'm getting phone calls to my prepaid phone telling me to pay. So I call Jefferson Capital Systems and they are telling me I still owe it. I explained to them the same thing. I closed the account over 10 years ago. The statute of limitations itself says for the said state I was in was a maximum of 10 years. The state I'm in now says 7 years. Either way, I'm safe from a debt that I shouldn't have in the first place. But I'm telling them this and they said I used the account 9 years ago... funny because 9 years ago I was in Afghanistan getting shot at. They called me a liar and said I didn't have a reason to be upset. This collections doesn't even show on my credit report. They also proceeded to tell me that they weren't trying to collect on the debt. Also funny, their very first words to me when they answered were "hello Mr ----- thanks for calling. This is an attempt to collect on your debt. All information will be used for this reason. Also, this collections doesn't even show up on my credit report. Everything about this company screams fraudulent. Unprofessional employees calling you a liar, skyrocketing the amount owed, telling me I don't have a reason to be upset. The ComplaintsBoard.com receives over 360 complaints against this company a year... their average reviews are 1.5 out of 5 and somehow they still have a B rating? Most of the complaints are the same thing from different people.