Report: #367897

Complaint Review: Imagine Mastercard - Jefferson Capital System

  • Submitted: Thu, August 28, 2008
  • Updated: Sun, November 16, 2008
  • Reported By: monpelier Ohio
  • Imagine Mastercard - Jefferson Capital System
    SAINT CLOUD, Minnesota

Imagine Mastercard - Jefferson Capital System charging me for a card I never used SAINT CLOUD Minnesota

*Consumer Comment: It is a scam

*Consumer Suggestion: Imagine Mastercard

Show customers why they should trust your business over your competitors...

i just recently checked my credit report online and noticed a few things that did not make sence. There was a few collections on there that I was not sure where they came from. The first thing I noticed was Jefferson Capital Systems. I tried looking this company up but could not find a number to reach anyone at. Thought that was odd. Then I seen the ripoff report and thought that was intersting since I was in the same boat. I also seen the ripoff report for imagine mastercard. The funny thing is that Jefferson Capital Systems is the collection name for Imagine mastercard which said I owed 519 dollars But I never used the card in my life. Thats funny that both companies are on the same collection report. At this point I am not sure what to do. I have this on my credit but never used the card. Any advice would be much apprieciated thanks.

monpelier, Ohio
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This report was posted on Ripoff Report on 08/28/2008 02:07 PM and is a permanent record located here: 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Comment

It is a scam

AUTHOR: James - (U.S.A.)

Unfortunately the Jefferson Capital Systems and the credit cards they offer are scams. I have a feeling that many of the positive rebuttals on here have been written by the company themselves.

I recieved a letter from Jefferson Capital trying to threaten me with legal action into signing up for a credit card to pay off an old debt that was actually paid in full and closed five years ago. No company will ever force you to sign up for new programs, especially another credit card, to pay an old debt.

I'm sorry to hear about the troubles you are having but here are a few things you can do...

First, do not rely on Jefferson Capital Systems to remove anything from your credit report and do not under any circumstances sign up for any of their products.
You can go to and obtain your credit report for free. You will see an option that says "Dispute." Dispute it through the credit reporting agency and they will investigate and remove it depending on the results of their investigation.

You can also file claims with the Better Business Bureau ( and the Federal Trades Commission ( The FTC has already filed suit against Jefferson Davis, so while making more claims may not help those who have already been affected by this company, it will help to insure that Jefferson Capital is not able to take advantage of other people.

Your first main concern should be disputing through the credit reporting agency. I hope you are able to resolve this.
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#2 Consumer Suggestion

Imagine Mastercard

AUTHOR: Zacheus - (U.S.A.)

My Dear Cookie,

The Imagine Mastercard reflecting on your credit report is not a scam. The Imagine card id a legitamate, credit-rebuilding card that can be applied for on the web. Sadly, folks can apply for credit cards on-line, so SS# act as a signature on an application. What worries me, is that even though the Imagine card application requires every inch of your personal information, you have no knowledge of this account. My guess is that you have had a breech of security. Someone (Not Imagine Mastercard) has been using your personal information to open a seccured, sub-prime line of credit.

From my expirience, most theives come from within your own circle. (ex-spouse, teenagers, house guests, and parents etc..) Real theives would steal information that leads to profit. The Imagine card is not the way to steal big money, it's not a target for ID theft, but instead its a credit building tool for people with terrible credit.

What should you do if you really don't recognise this account? Stay calm. DO NOT SWEAR, YELL OR BLAME THE REPRESENTATIVE! Even though you are frustrated, the collector is not responsible for the account. LISTEN TO THE AGENT. Most companies will find the verification you are looking for, but each company has its own policies. (DO NOT DEMAND TO SEE YOUR JOHN HANCOCK, PLACE THE BURDEN OF PROOF ON THE COLLECTOR, AND THEN HANG UP. NOTHING WILL BE ACCOMPLISHED, YOUR CREDIT REPORT WILL STILL SHOW NEGATIVELY, THE CALLS WILL STILL KEEP COMING.)

Everyone lies, collection agencies must have a method to weed out the legitamate victims of identity theft from the irresponsible, negligent consumers who don't want to pay their bills. Be prepared to point a finger; For the charge of theft to be taken seriously, most cases of identity theft will require the suggestion of a possible criminal, a police report and an alibi.

You cannot chalk this up to a (not my problem, government steps in to help) company scam. I do not believe you should direct your fears and anger at Imagine. I think you should investigate your family, friends and the people who have shared your old adress's. If the account is on your credit report, your SS# is involved. That's not a seven digit # most people can guess at with any kind of accuracy.
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