Complaint Review: Jefferson Capital LLC - St. Cloud Minnesota

I have a feeling that many of the positive reports about this company on here are by the company itself. As you can see many have been scammed by this company. First of all the notion that any company would go after you for unpaid debts while at the same time offering you a new credit card is insane. I would make a few suggestions. Number one, check your credit report right away, you can do this for free at www.annualcreditreport.com. If there are any fradulent comments file a dispute with the credit reporting agency and they will investigate. Number two, attempt to contact Jefferson Capital Systems and tell them you do not want this product. You are willing to set up a payment plan for the old debt (if it is legit), and they will get their money but you under no circumstances want another credit card. If this does not work, I would file reports with the Better Business Bureau (www.bbb.org) and the Federal Trades Commission (www.ftc.gov). Jefferson capital is already being investigated by both agencies and has a suit against it from the FTC for "Deceptive Credit Card Marketing." You have to stand up to Jefferson Capital and not back down if you want to get out of this. Tell them it was false advertising, they threatened legal action unless you signed up for a new credit card which is in fact illegal, and if they do not cancel this right away you yourself will be taking legal action. With all the problems they have they do not want anymore. Just do not back down no matter how much they try to intimidate you and/or threaten you. I really hope you get this resolved and for future reference always check out every company you are thinking of doing business with.

I got the same offer from Jefferson Capital, made the scheduled payments and now I have a Master Card that I use all the time and just the other day I received a notice that they have raised my credit limit. Jefferson seems to buy old debts and once you get to a certain point with the debt the remainder is applied to the credit card that you can use. I have had good luck with this company.

Jefferson Capital is a godsend to those whose debts end up in our laps. Our sole mission is to help people pay back their debts and rehabilitate their credit bureau. We bend over backwards to help our customers in many different ways. There are no fees associated with our program. There is never interest charged on the debt while in our office. We take the debt and knock off a portion of it for you to help you have a balance not as large as it was when it came to us. We begin you on a payment plan offering you small monthly payments, and give you plenty of time to reach the qualifying amount to receive your new credit card. Once you've qualified for the card, we knock off an additional chunk as a reward to you for completing the first half of the program. We then transfer any remaining amount to the card and report to the bureau that your old debt is satisfied. You continue to make monthly payments on that amount to the card, and that same remaining amount is never charged interest or fees while it remains. The card is just an added benefit to the program; you are not under an obligation to use it. I can't think of a better company to have your debt sit with. Call us anytime for advice or help. We want to help you develop a positive payment history so you can get on with your life and become debt-free. All we ask is that you make your minimum monthly payments. We also offer a free check-by-phone service that many companies do not offer. The calls are recorded for your security so that nothing can go wrong. We comply with FDCPA in every way and are licensed by our state. Our employees are continuously trained and regularly tested, so you have nothing to fear. I do this work for people everyday, and am proud to work for this agency. Good luck to you!!! -T.

Jefferson Capital is a godsend to those whose debts end up in our laps. Our sole mission is to help people pay back their debts and rehabilitate their credit bureau. We bend over backwards to help our customers in many different ways. There are no fees associated with our program. There is never interest charged on the debt while in our office. We take the debt and knock off a portion of it for you to help you have a balance not as large as it was when it came to us. We begin you on a payment plan offering you small monthly payments, and give you plenty of time to reach the qualifying amount to receive your new credit card. Once you've qualified for the card, we knock off an additional chunk as a reward to you for completing the first half of the program. We then transfer any remaining amount to the card and report to the bureau that your old debt is satisfied. You continue to make monthly payments on that amount to the card, and that same remaining amount is never charged interest or fees while it remains. The card is just an added benefit to the program; you are not under an obligation to use it. I can't think of a better company to have your debt sit with. Call us anytime for advice or help. We want to help you develop a positive payment history so you can get on with your life and become debt-free. All we ask is that you make your minimum monthly payments. We also offer a free check-by-phone service that many companies do not offer. The calls are recorded for your security so that nothing can go wrong. We comply with FDCPA in every way and are licensed by our state. Our employees are continuously trained and regularly tested, so you have nothing to fear. I do this work for people everyday, and am proud to work for this agency. Good luck to you!!! -T.

Jefferson Capital is a godsend to those whose debts end up in our laps. Our sole mission is to help people pay back their debts and rehabilitate their credit bureau. We bend over backwards to help our customers in many different ways. There are no fees associated with our program. There is never interest charged on the debt while in our office. We take the debt and knock off a portion of it for you to help you have a balance not as large as it was when it came to us. We begin you on a payment plan offering you small monthly payments, and give you plenty of time to reach the qualifying amount to receive your new credit card. Once you've qualified for the card, we knock off an additional chunk as a reward to you for completing the first half of the program. We then transfer any remaining amount to the card and report to the bureau that your old debt is satisfied. You continue to make monthly payments on that amount to the card, and that same remaining amount is never charged interest or fees while it remains. The card is just an added benefit to the program; you are not under an obligation to use it. I can't think of a better company to have your debt sit with. Call us anytime for advice or help. We want to help you develop a positive payment history so you can get on with your life and become debt-free. All we ask is that you make your minimum monthly payments. We also offer a free check-by-phone service that many companies do not offer. The calls are recorded for your security so that nothing can go wrong. We comply with FDCPA in every way and are licensed by our state. Our employees are continuously trained and regularly tested, so you have nothing to fear. I do this work for people everyday, and am proud to work for this agency. Good luck to you!!! -T.

Jefferson Capital is a godsend to those whose debts end up in our laps. Our sole mission is to help people pay back their debts and rehabilitate their credit bureau. We bend over backwards to help our customers in many different ways. There are no fees associated with our program. There is never interest charged on the debt while in our office. We take the debt and knock off a portion of it for you to help you have a balance not as large as it was when it came to us. We begin you on a payment plan offering you small monthly payments, and give you plenty of time to reach the qualifying amount to receive your new credit card. Once you've qualified for the card, we knock off an additional chunk as a reward to you for completing the first half of the program. We then transfer any remaining amount to the card and report to the bureau that your old debt is satisfied. You continue to make monthly payments on that amount to the card, and that same remaining amount is never charged interest or fees while it remains. The card is just an added benefit to the program; you are not under an obligation to use it. I can't think of a better company to have your debt sit with. Call us anytime for advice or help. We want to help you develop a positive payment history so you can get on with your life and become debt-free. All we ask is that you make your minimum monthly payments. We also offer a free check-by-phone service that many companies do not offer. The calls are recorded for your security so that nothing can go wrong. We comply with FDCPA in every way and are licensed by our state. Our employees are continuously trained and regularly tested, so you have nothing to fear. I do this work for people everyday, and am proud to work for this agency. Good luck to you!!! -T.