• Report: #1005590

Complaint Review: Jefferson Capital Systems, LLc

  • Submitted: Tue, January 29, 2013
  • Updated: Tue, January 29, 2013

  • Reported By: Kelly — Rochester Minnesota United States of America
Jefferson Capital Systems, LLc
16 McLeland Road St. Cloud, Minnesota United States of America

Jefferson Capital Systems, LLc said they were attempting to collect a debt for a Credit Card from back in 2006 that I never even applied for St. Cloud, Minnesota

*Consumer Comment: Easy Fix

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I received a letter in the mail today stating that this company was attempting to collect a debt by offering a payment plan for an Imagine Mastercard ( First Bank of Delaware) card in the amount of 833.56. Here is the issue, I have never in my life had this supposed card and if I had why was it never reported on my credit report until now? I am trying to fix my credit and I find out after I called htis company and told them I have never even heard of the Imagine Mastercard they hung up on me. I called back and asked to speak to a supervisor they hung up yet again. My credit report now shows this debt from 7 years ago that I never had.

This report was posted on Ripoff Report on 01/29/2013 02:26 PM and is a permanent record located here: http://www.ripoffreport.com/r/Jefferson-Capital-Systems-LLc/St-Cloud-Minnesota-56303/Jefferson-Capital-Systems-LLc-said-they-were-attempting-to-collect-a-debt-for-a-Credit-C-1005590. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Comment

Easy Fix

AUTHOR: CD SouthCarolina - (United States of America)

 After reading your complaint, it seems obvious to me that you may have been the victim of identity theft. This is a serious issue that you should look into. Always, and I mean ALWAYS, check your credit report once year (federal law makes it FREE once a year!). I have dealt with Jefferson twice in my life, and they've been professional and (reasonably) easy to deal with. Two things I can suggest. First, get your free annual credit report from all 3 credit bureaus to be sure all is well. CHALLENGE any- and everything negative you can (also free!). Challenge for nearly any reason, incorrect spelling, address, etc.. If the reporting agency can't prove 100% that their info is accurate, then the report must be deleted permanently, by law! Secondly, if this debt you speak of is actually 7 years old, it will AUTOMATICALLY delete from your credit report on the anniversary of the last date of activity. I have been able to delete many derogatory marks with thia simple, free, and legal method! I recommend to all that need help bringing that score up! I'm up 150 points in just over a year, using bureau disputes, and settling smaller accounts for pennies on the dollar. From renting with a 495 score, to refinancing a car loan at 2.99% and even now a mortgage at 3.75%!! Do your research, don't be taken advantage of, and I'm sure you'll see the American dream still exists. Best of luck,

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