Jefferson Capital Systems, LLC Try to offer me a settlement for something I do not owe and in retun they're offering me a MasterCard. Credit card Mail Internet

I received a letter by mail from Jefferson Capital Systems, llc stating that I have an oiutstanding balance with Wells Fargo Bank, keep in mind I closed my WFB account over a year ago with a 0 balance. I call Credit Repair (I have an account with them) to verify if I have anything reflecting in my credit from WFB and they told me that I do not and to call JCS to get more information. The man who answer the phone told me that I did in fact owe WFB, but once I told him that mu account was closed with a 0 balance, he rushed me off the phone. I call WFB to see if I owe any money to them (Even though I know I do not) and they checked on the Overdraft Department and told me that I do not and to ignore that letter because it sounds like a scam, they never send them my account fo collections because I do not owe them. That company really needs to get audited, I can not believe they almost robbed me of $625.88 (keep in mind I'm an unemployed mother of one). Be carefull when dealing with these scamers