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Jefferson Capital - Jefferson Capital Systems Ripoff Stole my money St. Cloud Minnesota
I sent them a check for $4,000.00 because I had no bank account and I owed them over $1,000.00 For a credit card I couldnt keep up the paymets with. So they kept calling me and harrassing me that Im finnally sent the check to them. They said they would send me the difference once the check cleared but never did. When I called them they said the check was destroyed
Angelena
Waycross, Georgia
U.S.A.
8 Updates & Rebuttals
Mike
River Edge,New Jersey,
U.S.A.
Being vague
#9Consumer Suggestion
Fri, May 25, 2007
Angelena,
You're being vague and it's difficult to understand the whole situation.
1. Whose check did you send to them? Why not have a friend or family member cash it for you?
2. Did the sender of the check have a copy of the cashed check?
3. Was the $1,000 applied to your account?
4. Did you speak to anyone prior to this to find out if they WOULD refund the $3,000 or simply apply it as a credit to your account?
5. Does the company ACCEPT THIRD PARTY CHECKS?
There is a lot here that doesn't add up, I'm just trying to get to the bottom of it to help you come up with a plan of action, but you reply with one sentence vague replies.
Angelena
Waycross,Georgia,
U.S.A.
No account
#9Author of original report
Fri, May 25, 2007
I didnt have a bank account and the check was cashed by them
Mike
River Edge,New Jersey,
U.S.A.
Angelena...
#9Consumer Suggestion
Thu, May 24, 2007
I"m confused as to the origin of the check you sent. Was this a check that YOU received from someone, and you signed it over to to them? Why not just deposit it into your bank account and write a check for $1,000 when it cleared? If you have bad credit and can't get a bank account, why not go to a check cashing place? It's not another companies responsibilities to cash your checks for you. Somethings a bit fishy here
Anyway, you didn't specify, was the check cashed or not? If not, simply get another check from wherever it came from. If it was get a copy of the cancelled check and then go after them for the balance
Angelena
Waycross,Georgia,
U.S.A.
Response to Rebuttal
#9Author of original report
Thu, May 24, 2007
I did not have any other way to cash the check so I thought I could kill 2 birds with one stone
Mike
River Edge,New Jersey,
U.S.A.
Why pay more than you owe?
#9Consumer Suggestion
Wed, May 23, 2007
Hi Angelena,
I'm confused why you would send the credit card company a check for $4,000 when you only owed them $1,000. Are you claiming the check cleared and they kept all of your money above the $1,000? If it was cashed you should have been able to get a cancelled check from your bank to prove it. If it wasn't, than I don't see the issue, you can simply pay off the card now. But why would you send a check to someone for $3,000 more than you owe and expect them to send you the difference back?
Mike
River Edge,New Jersey,
U.S.A.
Why pay more than you owe?
#9Consumer Suggestion
Wed, May 23, 2007
Hi Angelena,
I'm confused why you would send the credit card company a check for $4,000 when you only owed them $1,000. Are you claiming the check cleared and they kept all of your money above the $1,000? If it was cashed you should have been able to get a cancelled check from your bank to prove it. If it wasn't, than I don't see the issue, you can simply pay off the card now. But why would you send a check to someone for $3,000 more than you owe and expect them to send you the difference back?
Mike
River Edge,New Jersey,
U.S.A.
Why pay more than you owe?
#9Consumer Suggestion
Wed, May 23, 2007
Hi Angelena,
I'm confused why you would send the credit card company a check for $4,000 when you only owed them $1,000. Are you claiming the check cleared and they kept all of your money above the $1,000? If it was cashed you should have been able to get a cancelled check from your bank to prove it. If it wasn't, than I don't see the issue, you can simply pay off the card now. But why would you send a check to someone for $3,000 more than you owe and expect them to send you the difference back?
Mike
River Edge,New Jersey,
U.S.A.
Why pay more than you owe?
#9Consumer Suggestion
Wed, May 23, 2007
Hi Angelena,
I'm confused why you would send the credit card company a check for $4,000 when you only owed them $1,000. Are you claiming the check cleared and they kept all of your money above the $1,000? If it was cashed you should have been able to get a cancelled check from your bank to prove it. If it wasn't, than I don't see the issue, you can simply pay off the card now. But why would you send a check to someone for $3,000 more than you owe and expect them to send you the difference back?