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BBB Business Review

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BBB Accredited Business since

Jefferson Capital Systems, LLC

Phone: (800) 281-2793 16 McLeland Rd, Saint Cloud, MN 56303

BBB Business Reviews may not be reproduced for sales or promotional purposes.


Jefferson Capital is an industry-leading provider of traditional and unique recovery services for consumer charged-off accounts. Our clients include creditors and national debt buyers.

BBB Accreditation

A BBB Accredited Business since

BBB has determined that Jefferson Capital Systems, LLC meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that lowered the rating for Jefferson Capital Systems, LLC include:

  • 679 complaint(s) filed against business

Factors that raised the rating for Jefferson Capital Systems, LLC include:

  • Length of time business has been operating
  • Response to 679 complaint(s) filed against business
  • Resolution of complaint(s) filed against business

Customer Complaints Summary Read complaint details

679 complaints closed with BBB in last 3 years | 263 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 565
Billing/Collection Issues 84
Delivery Issues 6
Guarantee/Warranty Issues 0
Problems with Product/Service 24
Total Closed Complaints 679

Customer Reviews Summary Read customer reviews

2 Customer Reviews on Jefferson Capital Systems, LLC
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 2
Negative Experience 0
Total Customer Reviews 2

Additional Information

BBB file opened: August 06, 2004 Business started: 04/01/1999 Business started locally: 04/01/1999 Business incorporated 11/06/2002 in GA
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

Minnesota Secretary of State
180 State Office Bldg, 100 Rev. Dr. Martin Luther King Jr. Blvd., Saint Paul MN 55155
Phone Number: (651) 296-2803

Minnesota Department of Commerce
85 7th Pl E Ste 500, Saint Paul MN 55101
Phone Number: (651) 539-1500

Type of Entity

Limited Liability Company (LLC)

Business Management
David M. Burton, President/CEO Chris Brixius, Consumer Relations Kathy Lahr, Consumer Relations Mary Lewandowski, HR/Account Support Director Sharon Sauer, Consumer Relations Shirley Smith, Consumer Relations
Contact Information
Principal: David M. Burton, President/CEO
Customer Contact: Shirley Smith, Consumer Relations
Business Category

Collection Agencies Credit Cards & Plans

Refund and Exchange Policy
Jefferson Capital Systems, LLC does not sell retail or wholesale products. Payments made on accounts in error are refunded upon request or as required by regulations.
Products & Services

According to the information provided by Jefferson Capital Systems, LLC, this company offers collection services.

Industry Tips
Fair Credit Billing Act What are Fair Debt Collection Practices?

Customer Review Rating plus BBB Rating Summary

Jefferson Capital Systems, LLC has received 3.67 out of 5 stars based on 2 Customer Reviews and a BBB Rating of B+.

BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.