Complaint Review: Jefferson Capital Systems - St. Cloud Minnesota

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.

I didnt have a bank account and the check was cashed by them

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

I did not have any other way to cash the check so I thought I could kill 2 birds with one stone

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?

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?

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?

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?