Jefferson Capital Systems, LLC Big Rippoff Soutgate Michigan
2 months ago I recieved a notice from Jefferson Capital saying that I owe money on a past due account. They said if I joined their fresh start program and make minimum monthly payments that I would receive a credit card from a bank in northern california. Well, I so far made 2 payments of $27.00 and the next payment was due but the office was closed so I treid to make a payment online and that is when I found out about the scam.
Recently I had an unauthorize debit from my account of $288.74 from a company in Michigan and found out is was Jefferson Capital making an unauthorize debit. These guys need to be put out of business, now I have to call my bank in the morning and halt any further attempts from this company from taking anymore money from my account.
Frank
carson, California
U.S.A.
2 Updates & Rebuttals
Robert
Buffalo,New York,
U.S.A.
This wasn't a negotiated debt.
#3Consumer Comment
Tue, April 07, 2009
What they did is they got this poor guy to establish NEW DEBT in the amount of the OLD DEBT with the promise of a credit card after XX amount of on time payments.
There is nothing illegal about this, but dang there should be.
I'm willing to bet that Frank had to sign a document agreeing to the establishment of this new debt.
What these a-holes do is they get folks to agree to finance what they claim they owe.
As Laurie stated, never negotiate with a debt collector, never agree to pay a debt collector.
If you wish to negotiate, do so ONLY WITH THE CREDITOR-no one else.
Laurie
Haslet,Texas,
U.S.A.
Thats what happens when you do not know what you are doing and don't bother to find out FIRST
#3Consumer Comment
Tue, April 07, 2009
ALL Consumer advocate and government websites tell you
Bud Hibbs - Federal Trade Commission etc. THE INTERNET IS A TOOL - USE IT
NEVER EVER NEGOTIATE WITH DEBT COLLECTORS! They tell you what you want to hear and then change it later.
NEVER EVER GIVE YOUR BANK ACCOUNT OR CREDIT CARD INFO TO DEBT COLLECTORS! They always take more money then agreed to
Jefferson Capital is a KNOWN bottomfeeding JUNK DEBT BUYER. They are KNOWN FDCPA violators - (federal law Fair Debt Collection Practices Act) which you probably did not know about this law that protects YOU. They do offer a bogus credit card - but that is only intended to get you to make a payment to receive it and re-ages the debt making it legally collectible again. AND YOU FELL FOR IT.
Basically they buy OLD legally uncollectible debts (they cannot sue) for pennies. They do not care if you are the CORRECT PERSON or not - all they care about is getting paid.
This could have been avoided if you came here first and read the over 100 complaints about this CA alone, or any of the over 7000 complaints about collection agency's already posted on ROR.