Report: #441395

Complaint Review: Jefferson Capital

  • Submitted: Tue, April 07, 2009
  • Updated: Tue, April 07, 2009
  • Reported By: carson California
  • Jefferson Capital
    Soutgate, Michigan

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

2 months ago I recieved a notice from Jefferson Capital saying that I owe money on a past due account. They said if I joined their fresh start program and make minimum monthly payments that I would receive a credit card from a bank in northern california. Well, I so far made 2 payments of $27.00 and the next payment was due but the office was closed so I treid to make a payment online and that is when I found out about the scam.

Recently I had an unauthorize debit from my account of $288.74 from a company in Michigan and found out is was Jefferson Capital making an unauthorize debit. These guys need to be put out of business, now I have to call my bank in the morning and halt any further attempts from this company from taking anymore money from my account.

carson, California
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This report was posted on Ripoff Report on 04/07/2009 01:58 AM 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

This wasn't a negotiated debt.

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

What they did is they got this poor guy to establish NEW DEBT in the amount of the OLD DEBT with the promise of a credit card after XX amount of on time payments.

There is nothing illegal about this, but dang there should be.

I'm willing to bet that Frank had to sign a document agreeing to the establishment of this new debt.

What these a-holes do is they get folks to agree to finance what they claim they owe.

As Laurie stated, never negotiate with a debt collector, never agree to pay a debt collector.

If you wish to negotiate, do so ONLY WITH THE CREDITOR-no one else.
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#2 Consumer Comment

Thats what happens when you do not know what you are doing and don't bother to find out FIRST

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

ALL Consumer advocate and government websites tell you
Bud Hibbs - Federal Trade Commission etc. THE INTERNET IS A TOOL - USE IT

NEVER EVER NEGOTIATE WITH DEBT COLLECTORS! They tell you what you want to hear and then change it later.


Jefferson Capital is a KNOWN bottomfeeding JUNK DEBT BUYER. They are KNOWN FDCPA violators - (federal law Fair Debt Collection Practices Act) which you probably did not know about this law that protects YOU. They do offer a bogus credit card - but that is only intended to get you to make a payment to receive it and re-ages the debt making it legally collectible again. AND YOU FELL FOR IT.

Basically they buy OLD legally uncollectible debts (they cannot sue) for pennies. They do not care if you are the CORRECT PERSON or not - all they care about is getting paid.

This could have been avoided if you came here first and read the over 100 complaints about this CA alone, or any of the over 7000 complaints about collection agency's already posted on ROR.
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