I recieved a letter from Jefferson Capital Systems informing me that I had a debt with Meta Bank for a Rewards 660 Visa, in the amount of $169.27. The letter stated that I was being offered a Mastercard from Emblem Fresh Start Solution Program to help pay off this old debt.
The problem is, I do not have any debt with Meta Bank. I did in fact have an account with Meta Bank for a Rewards 660 Visa, but that account was paid in full and closed five years ago. I called Jefferson Capital Systems and informed them that this account has been paid and closed for five years and inquired as to where they recieved their information. I was told that they could not tell me that. That debts are bought and sold through different companies and perhaps the record of this debt being paid has been lost in the shuffle. Or maybe the company I paid it to has gone out of business without reporting that I had in fact paid this debt.
I also asked why, if they were under the impression that I had not paid this debt, it would take five years to hear anything from them. Again the "customer service" rep could not give me an answer.
I was told that I have to find the original paperwork from when I had paid this debt and fax it to them. I then asked if I was unable to find the paperwork (since it has been five years) what would I have to do then? Would a copy of my credit report showing that the debt had been paid in 2003 be useful? Again, no clear answer.
I informed them that this all seems like a scam to me. That they wait years to contact somebody about an old account and say that there is an outstanding debt and the person has to pay that old debt or (as the letter states) legal action will be taken and it will impact your credit report negatively. Considering the fact that years have passed and it is easy to misplace paperwork from 5-10 years ago or longer, I'm sure some people do in fact pay this debt as well as having to open a new credit card with Emblem Fresh Start Solution Program.
I wonder how many other people have had problems with this company. Using fradulent information and threats to get somebody to open a new credit card seems a bit extreme, even in this economic climate.
Mahopac, New York