320-300-4492

This is Jefferson Capital, a collection agency/debt collector.

The caller would not say what he was calling about. Was very evasive and would only say his name is Brooks. Hung-up on him because I don't know them and they would not say what they are calling about.

Business Contact and Profile for Jefferson Capital Systems, LLC
Name: Jefferson Capital Systems, LLC
Phone: (800) 281-2793
Fax: (320) 229-8582
Address: 16 McLeland Road
Saint Cloud, MN 56303
Website: www.jeffersoncapitalsystemsllc.com 
Original Business Start Date: April 1999
Local Start Date: November 2002
Principal: David M. Burton, Manager
Customer Contact: David M. Burton, Manager - (320) 229-8540
Entity: Corporation
Incorporated: November 2002, GA
Type of Business: Collection Agencies, Credit Cards & Plans
BBB Accreditation: Jefferson Capital Systems, LLC is a BBB Accredited business.
Additional DBA Names: A X F Y S Credit Advantis

Products and Services of Jefferson Capital Systems, LLC
According to information provided by Jefferson Capital Systems, LLC, this company offers collection services.

Additional company management personnel include:
Ms. Shirley Smith - Consumer Relations
Mr Rick Huddleston - Board of Directors
Mr John Rassman - Attorney

Additional Locations and Phone Numbers
Additional Phone Numbers
Tel: (320) 229-8540
Tel: (612) 347-0300
Tel: (770) 206-6333
Tel: (800) 542-6516
Tel: (800) 928-6614
Tel: (888) 718-0048
Tel: (320) 229-8055
Tel: (320) 229-8521

Licensing for Jefferson Capital Systems, LLC
This company is in an industry that may require licensing, bonding or registration in order to lawfully do business. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.
These agencies may include:
Minnesota Department of Commerce
85 7th Pl. E. Ste. 500
Saint Paul, MN 55101-2198
(651) 296-6319
www.commerce.state.mn.us

BBB records show a license number of 20422133 for this company, issued by Minnesota Department of Commerce. Their web address is www.commerce.state.mn.us.

Customer Complaint History for Jefferson Capital Systems, LLC

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB processed a total of 142 complaints about Jefferson Capital Systems, LLC in the last 36 months, our standard reporting period. Of the total of 142 complaints closed in 36 months, 47 were closed in the last year.

Government Actions

The following describes a government action that has been resolved by either a settlement or a decision by a court or administrative agency. If the matter is being appealed, it will be noted below.

Jefferson Capital Systems entered into a settlement agreement with the FTC under serious charges:

CompuCredit Corporation, a company marketing Visa and MasterCard credit cards to consumers in the subprime credit market, has agreed to reverse fees charged to eligible consumers' accounts to settle allegations that it violated federal law. It is estimated that the redress program will result in more than $114 million in credits to consumer accounts. Eligible consumers whose current balances are less than the amount of credits to be applied will receive an estimated $3.7 million in cash refunds.

In a federal court complaint filed in June 2008, the Federal Trade Commission alleged that CompuCredit engaged in deceptive conduct in connection with marketing credit cards. The FTC also alleged that Jefferson Capital Systems, LLC, a debt collection company wholly-owned by CompuCredit, engaged in deceptive conduct in marketing credit cards as part of its debt collection activities and engaged in abusive practices while collecting debts.

"This settlement is a big win for consumers," said Lydia B. Parnes, Director of the FTC's Bureau of Consumer Protection. "When signing up for a credit card, consumers have the right to know the truth about the amount of credit they are getting and the cost of that credit up front."

According to the FTC's complaint, CompuCredit marketed credit cards, primarily through direct mail solicitations, under various brand names, including Aspire, Aspire A Mas, FreedomCard, Tribute, Imagine, Majestic, Aspen, Emerge and Fingerhut Credit Advantage. These cards generally fit into three categories:

Fee-based credit card with $300 limit. According to the FTC, CompuCredit marketed to consumers with subprime credit ratings a credit card with a purported $300 credit limit, using solicitations that stated certain up-front fees that did not apply. Rather than provide consumers with $300 of available credit, CompuCredit immediately charged consumers as much as $185 in fees that it did not adequately disclose in light of the representations made. These fees left consumers with as little as $115 in available credit.

Credit card with "up to $3,250" limit. As alleged by the FTC, CompuCredit marketed to consumers with slightly higher credit scores its credit card purporting to offer "up to $3,250" in available credit. CompuCredit failed to disclose, or failed to disclose adequately, that half of the available credit would be withheld for the first 90 days. CompuCredit also failed to disclose, or failed to disclose adequately, that for the first 90 days, the company would monitor consumers' purchases, and might reduce their credit limit based on an undisclosed "behavioral" scoring model.

Debt-transfer credit card program. According to the complaint, CompuCredit and Jefferson Capital marketed a credit card to consumers with charged-off debt. CompuCredit and Jefferson Capital represented that the consumers' old debt balance would be immediately transferred to the card and reported to consumer reporting agencies as paid in full. Consumers who accepted the offer, however, were immediately enrolled in a debt repayment plan and did not receive a credit card until they paid 25 percent to 50 percent of their charged-off debt.

In addition to requiring the reversal of fees, the orders with CompuCredit and Jefferson Capital:

Require that credit card solicitations making representations about credit limits or available credit must disclose - equally clearly and prominently, and on the same page - fees and other restrictions affecting initial available credit.
Include a broad prohibition against misrepresentations in the marketing of credit cards, including misrepresentations about the amount of available credit.
Prohibit CompuCredit and Jefferson Capital from making any misrepresentation about the relationship between an offer or extension of credit and a debt repayment plan.
Prohibit Jefferson Capital from engaging in abusive practices while collecting debts.
The Commission voted 4-0 to authorize staff to file the stipulated final order. The order was filed in the U.S. District Court for the Northern District of Georgia. Separately, the FDIC announced settlement of its parallel administrative action against CompuCredit. As part of its settlement with the FDIC, CompuCredit has also agreed to a civil money penalty of $2.4 million.

NOTE: Stipulated final orders are for settlement purposes only and do not constitute an admission by the defendant of a law violation. A stipulated final order requires approval by the court and has the force of law when signed by the judge.

On June 10, 2008 The Federal Trade Commission announced the filing of a lawsuit charging CompuCredit Corporation and it's wholly owned subsidiary, Jefferson Capital Systems, LLC, with deceptive marketing practices in selling credit cards to consumers in the subprime market. The FTC files a complaint when it has "reason to believe" that the law has been or is being violated, and it appears to the commission that a proceeding is in the public interest. The complaint is not a finding or ruling that the company have actually violated the law. The case will be decided by the court. For more information visit www.ftc.gov/opa/2008/06/compucredit.shtm or call 1-877-FTC-HELP (1-877-382-4357)
December 2008 - Final decision regarding FTC:
CompuCredit Corporation has agreed to reverse fees charged to eligible consumers' accounts to settle allegations that it violated federal law. It is estimated that the redress program will result in more than $114 million in credits to consumer accounts. Eligible consumers whose current balances are less than the amount of credits to be applied will receive an estimated $3.7 million in cash refunds.

http://www.bbb.org/minnesota/business-reviews ... oud-mn-96007943

This number called my home. I attempted to call back and was not able to connect.  This is the third or the fourth time that this number has called me.

The company is called Jefferson Capitol Systems, they are a debt collection agency.

The following message was left in my voicemail:

Voice Mail Preview:


This message is for (name) this is Dale Wall calling from JC Christensen and associates.

This is a call from a debt collector please return my call at (866) 891-7308 thank you.

Created by Microsoft Speech Technology. Learn More...

This is the voicemail message that was       Sent: Wednesday, June 13, 2012 3:09 PM
(the day before the other message)

Voice Mail Preview:


This message is for (name) my name is Casey 21 west offices I've JC Chris Jensen an associate it is a call from a deck collector return the call the my office at eight (665) 520-7610.

Created by Microsoft Speech Technology. Learn More...

--------------------------------------------------------------------------------

You received a voice mail from 8665527610

Caller-Id: 8665527610
_______________________________________________________________________________
You can see that the person does not speak distinctly since voice recognition software doesn't pick it up. This is another call from JC Christensen & Associates - debt collector.

they call my job 50 times a day

I HATE THESE [***]... THEY KEEP CALLING WITH SOME BS.

Same here

Received a message from them stating that my name has be placed on my ex husbands repo house and that they are seeking payment from me.. My name was never on the house and we have been divorced for two years and I am just now hearing this....I am getting a lawyer!!!!!

Received papers on a credit card I defaulted on years ago after I was laid off during the recession. Bring it. I have no assets and what little income I do have is exempt. Good luck to them.

I LIVE IN LOS ANGELES COUNTY.

TODAY, I RECEIVED A LETTER IN THE MAIL FROM:
JEFFERSON CAPITAL SYSTEMS, LLC
16 MCLELAND RD
SAINT CLOUD, MN 56303
1-877-251-0009
MON -THURS: 8 AM - 8 PM
FRI: 8 AM - 3 PM CENTRAL TIME

ORIGINAL CREDITOR: CITIBANK

AMOUNT DUE: $15,228.80

I'M 77 YEARS OF AGE.

RETIRED FEDEX CAPTAIN. 39 YEARS.

WIFE RETIRED AFTER 37 YEARS WITH THE SECRET SERVICE.

MARRIED 54 YEARS, 9 MONTHS.

RETIRED 12 YEARS AGO.

MORTGAGE ON HOME PAID OFF IN FULL ON DECEMBER 17, 2001.

ALL 3 CARS ARE PAID IN FULL.

SON AND DAUGHTER BOTH MARRIED IN THE MID 1990s, AND HAVE LONG SINCE LEFT HOME.

ME AND MY WIFE CURRENTLY OWE 169.99 ON OUR AMERICAN EXPRESS CARD. THAT'S THE FULL EXTENT OF OUR CREDIT CARD DEBT.

OUR ONLY MONTHLY BILLS ARE FOOD, UTILITIES AND MISC.

WE PAY OUR HOME OWNERS INSURANCE AND CAR INSURANCE ANNUALLY.

NEITHER ME OR MY WIFE HAVE NEVER HAD A CREDIT CARD ACCOUNT, PERSONAL LOAN, BUSINESS LOAN, CAR LOAN, MORTGAGE LOAN, OR ANY OTHER TYPE OF LOAN WITH CITIBANK DURING OUR 55 YEARS OF MARRIAGE.

NEXT TO THE LAST PARAGRAPH IN THE LETTER, IT READS:  

" THE LAW LIMITS HOW LONG YOU CAN BE SUED ON A DEBT.  BECAUSE YOUR DEBT IS FIVE YEARS AND 11 MONTHS PAST THE CALIFORNIA STATUTE OF LIMITATIONS (4 YEARS), WE (JEFFERSON CAPITAL SYSTEMS, LLC) WILL NOT SUE YOU FOR IT, AND WE WILL NOT REPORT IT TO ANY CREDIT REPORTING AGENCY.

REGARDLESS, JEFFERSON CAPITAL SYSTEMS CANNOT AND WILL NOT BRING ANY KIND OF LEGAL PROCEEDINGS AGAINST YOU, SUCH AS A LAWSUIT OR ARBITRATION, TO COLLECT ON TIME BARRED DEBT.  FURTHER, IF YOU MAKE A PAYMENT ON THIS DEBT, IT WILL NOT BE DEEMED BY US TO REVIVE, TOLL OR RESTART THE STATUTE OF LIMITATIONS ON THIS DEBT.

IF WE TRANSFER THIS DEBT TO A NEW OWNER OR ASSING ANY RIGHTS RELATED TO THIS DEBT, THE NEW OWNER, SUCCESSOR, OR ASSIGN WILL BE REQUIRED IN WRITING TO DO THE SAME."

OPPORTUNITY (OPTION) #1, 50% DISCOUNT: $7614.40

OPPORTUNITY (OPTION) #2, 40% DISCOUNT: $9137.28. PAY OFF BALANCE IN THREE MONTHLY PAYMENTS OF $3045.76

OPPORTUNITY (OPTION) #3: 12 MONTHLY PAYMENTS OF 1269.07. ACCOUNT PAID IN FULL

#1)  NONE OF THE 3 OPTIONS ARE ACCEPTABLE, BECAUSE I NEVER DID OWE THE DEBT IN THE FIRST PLACE.

#2)  I HAVE HEARD AND READ MANY, MANY TIMES THAT COLLECTION AGENCIES MAIL OUT TENS OF THOUSANDS OF THESE LETTERS WEEKLY, SOMETIMES MONTHLY DEPENDING ON THE SIZE AND VOLUME OF THE COLLECTION AGENCY, AND THAT APPROXIMATELY 2-3% ARE ACTUALLY VALIDATED AND VERIFIED BY THE EMPLOYEES AT THE COLLECTION AGENCIES AS TO WHETHER THE DEBT IS VALID IN THE FIRST PLACE.

WHICH MEANS THAT 97-98% OF THE COLLECTION NOTICES THAT ARE MAILED OUT EVERY WEEK OR EVERY MONTH, ARE NEVER, NEVER, NEVER, NEVER VALIDATED OR VERIFIED FOR ACCURACY OR CORRECTNESS.

320-300-4492 AND AREA CODE 320 HAVE BEEN BLOCKED SINCE THE FIRST.

WHY WOULD ANY JUNK DEBT COLLECTOR BE INTERESTED IN ATTEMPTING TO COLLECT MONEY ON AN EXPIRED/TIME BARRED DEBT, FOR WHICH THEY ABSOLUTELY HAVE NO LEGAL GROUNDS TO DO SO?

THIS IS A CLASSIC CASE OF A JUNK DEBT COLLECTION AGENCY NOT VALIDATING OR VERIFYING THE DEBT BEFORE SENDING.

WHY WOULD CITIBANK ASSIGN THIS DEBT TO A COLLECTION AGENCY IN MINNESOTA TO COLLECT ON AN EXPIRED/TIME BARRED DEBT FOR AN INDIVIDUAL WHO LIVES IN CALIFORNIA?

WHY DIDN'T CITIBANK ASSIGN OR SELL THIS ALLEDGED DEBT TO A COLLECTION AGENCY HERE IN CALIFORNIA?

IS JEFFERSON CAPITAL SYSTEMS LEGALLY AUTHORIZED TO SUE CONSUMERS IN CALIFORNIA COURTS?

JEFFERSON CAPITAL SYSTEMS HAS ALREADY WRITTEN IN THE LETTER THAT THEY CANNOT SUE ON AN EXPIRED/TIME BARRED DEBT, SO WHY BOTHER SENDING OUT THESE LETTERS IN THE FIRST PLACE?

MY PLAN IS TO ACCUMULATE 20 OR 30 OF THESE LETTERS, WRITE "RETURN TO SENDER" ON ALL OF THEM, THEN DROP ALL 20 OR 30 LETTERS AT THE MAIN POST OFFICE MAIL BOX.

I'M TOTALLY 110% INNOCENT, AND KNOW ABSOLUTELY NOTHING ABOUT THIS ALLEDGED DEBT.

IF THE (ALLEDGED) DEBT ISN'T YOURS, CHALLENGE IT.

IF YOU'RE SURE WHAT TO DO IN YOUR OWN STATE, CONTACT A CONSUMER LAW FIRM FOR FREE ADVICE BEFORE EVER PAYING 1 RED CENT OR NEGOTIATING WITH ANY COLLECTION AGENCY.  

YOU HAVE DEBTORS BILL OF RIGHTS.  DON'T BE AFRAID TO USE THEM.

REGARDS TO ALL,

PETER THE PILOT

SATURDAY, 13 SEPTEMBER, 2014  @8:55 P(OST) M(ERIDIAN)

Actually it may be better to just send them a cease & desist contact and refute their false claim as a lie. File complaints with the CFPB over it as well as send copies to your state attorney general in a complaint and theirs. Then if you get any more, go for their throats.  Do place fraud alerts on your credit reports though.

To File complaints FDCPA/TCPA violations:
Your State Attorney General
Their State Attorney general
www.naag.org (you can find your state AG at this link).
https://www.ftccomplaintassistant.gov/#&panel1-1
http://www.consumerfinance.gov/complaint/
http://www.rcfp.org/reporters-recording-guide/state-state-guide

https://800notes.com/arts/Jb8EW-eDhQA/harassi ... ou-need-to-know
See Residents post here also:
https://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls
Templates of Letters:
https://800notes.com/Phone.aspx/1-319-242-7350

http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf
http://www.consumer.ftc.gov/articles/0149-debt-collection

Thanx for your life story

No kidding? I'm sure it'll be an ABC Movie of the week.

Keep in mind, this is a SCAM !  Call Social Security direct and find out hpw many have been scammed by this company in the last 2 years,  Social Security does not suspend you.