Business Profile

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Jefferson Capital Systems, LLC

Complaints

This profile includes complaints for Jefferson Capital Systems, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

887 total complaints in the last 3 years.
122 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:05/05/2026
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am writing to formally dispute the above-referenced account as a result of identity theft. I did not open, authorize, assume responsibility for, or benefit from this account in any way.Pursuant to the Fair Credit Reporting Act (FCRA), including 15 U.S.C. 1681c-2, this letter serves as formal notice that the account in question is the result of identity theft. Under this law, information resulting from identity theft must be blocked from consumer reporting files once proper notice and supporting documentation are provided.Because this account is fraudulent, I request the following immediately:Cease all collection activity regarding this account.Conduct a reasonable investigation into this fraudulent account.Provide copies of any contract, lease, application, signature, payment records, or other documents allegedly connecting me to this debt.Notify any credit reporting agencies to delete and block this account.Permanently stop reporting this account as my obligation.Provide written confirmation once this matter has been resolved.Please also preserve all records related to this account, including applications, call logs, correspondence, payment history, and any documents used to establish liability.Enclosed are copies of supporting documentation:Government-issued identification FTC Identity Theft Report and/or police report (if available)Credit report showing the disputed account If you continue collection or reporting after receiving notice that this debt resulted from identity theft, such conduct may violate applicable federal law.Please respond in writing within 30 days of receipt of this letter.Sincerely,REMOVED
Customer Answer
Date: 05/05/2026
1) AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU

I, Iesha REMOVED, expressly authorize Jefferson Capital Systems, LLC to communicate directly with BBB on all matters relating to the items as specific in the complaint form and including any debts I am alleged to owe.

I have filed a complaint with BBB and authorize BBB to release the complaint form and all supporting documents to Jefferson Capital Systems, LLC.

I acknowledge without this authorization, Jefferson Capital Systems, LLC would not be authorized to discuss these matters with BBB and any of its employees or representatives. I expressly waive that restriction for all purposes relating to the complaint I filed with BBB.

Insert Your Name Here: REMOVEDWilliams Date: 05__/_05_/__2026__

2) Here is the information BBB requested regarding my complaint:
- I requested the verification of the debt from Jefferson Capital Systems, LLC on _03_/_01_/_2025__ by Select one -> Email, Phone, Mail, or Other (Please specify)______Mail___________
  
  REMOVED
- The reason why I believe the alleged debt is NOT valid is: Not familiar with Account
  
  REMOVED
- The account number: REMOVED
  REMOVED
REMOVEDPlease do NOT click 'Proceed' until you have signed and dated your agreement for release of information in Section 1 and provided the requested information in section 2. REMOVED
Business Response
Date: 05/08/2026
Please see the attached response. Thank you.
Customer Answer
Date: 05/08/2026

Hi BBB,

I'm satisfied with the business's resolution to complaint ID REMOVED.

Thank you.

REMOVED
Initial Complaint
Date:04/20/2026
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am reporting identity theft involving a fraudulent Jefferson Capital Systems debt buyer account (#REMOVEDopened on 04/26/2024 with a reported balance of $10,659. I did not apply for or authorize this account. Please investigate, remove it from my credit reports, and provide written confirmation once resolved.
Business Response
Date: 04/27/2026
Please see the attached response. Thank you.
Initial Complaint
Date:04/06/2026
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I had an issue with REMOVEDlast year and their bank was Comenity Capital/Alphcos which was settled on January 2, 2025. That bank tried to make me pay $409.00 which I never owed them. REMOVEDsettledwith them since I never received any service. I got got a letter from the original bank stating they sold their bank to a bank called Jefferson Capital. These banks are solely trying to scam senior citizens and I am so sick of it. This new bank claims I owe them $409.00.I do not know how these people get away with this. I want those people to stop contacting period. I don't have money for a lawyer which is why they know who to prey upon.Please help me me end this harassment as soon as people. I am 68 years old and in poor health and very tired.Thank you,REMOVED
Business Response
Date: 04/16/2026
Please see the attached response. Thank you.
Customer Answer
Date: 04/24/2026

Hi BBB,

I'm satisfied with the business's resolution to complaint ID REMOVED.

Thank you.

REMOVED
Initial Complaint
Date:04/05/2026
Type:Sales and Advertising Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Years ago, I was slapped with a REMOVEDdebt that had been paid off already. Then Jefferson bought the fake debt and has tried to make my life miserable every year since. I have already explained to Jefferson that this bill had already been paid. I have also already disputed this with my credit score and after investigation, on September 18, 2025, they had proved this was PAID AND RESOLVED.Yet today, I got a notification that my credit was hit 67 points because Jefferson wants to continue trying to get money for a debt that does not exist. CHECK YOUR RECORDS. THIS WAS ALREADY RESOLVED! I get it. You paid REMOVEDfor a debt that did not exist so you want to collect from someone. But you need to collect from REMOVEDfor selling you a fake debt. I have tried called Jefferson to resolve this. Their numbers ring once and then the call is ended. Seems weird and very much like a scam. But either way, this needs to STOP IMMEDIATELY. BEING HARASSED AND SCAMMED OVER FAKE DEBT IS RIDICULOUS AND I WILL NOT STAND FOR IT.
Customer Answer
Date: 04/05/2026
I dont have all the all information to provide because I cant get in touch with Jefferson Capital. Their numbers ring once and then hang up. I cannot reach them and have only been able to reach them THROUGH REMOVED. I cant provide something I dont have.
1) AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU

I, Alexander REMOVED, expressly authorize Jefferson Capital Systems, LLC to communicate directly with BBB on all matters relating to the items as specific in the complaint form and including any debts I am alleged to owe.

I have filed a complaint with BBB and authorize BBB to release the complaint form and all supporting documents to Jefferson Capital Systems, LLC.

I acknowledge without this authorization, Jefferson Capital Systems, LLC would not be authorized to discuss these matters with BBB and any of its employees or representatives. I expressly waive that restriction for all purposes relating to the complaint I filed with BBB.

Insert Your Name Here: REMOVED Date: 4/5/2026

2) Here is the information BBB requested regarding my complaint:
- I requested the verification of the debt from Jefferson Capital Systems, LLC on __/__/___ by Select one -> Email, Phone, Mail, or Other (Please specify)_________________
- The reason why I believe the alleged debt is NOT valid is:
- I have already resolved the debt directly with REMOVED. REMOVEDmistakenly SOLD my information to a fake debt to Jefferson Capital. Jefferson has been told this and given the information through equifax. Yet they continue to go after me instead of REMOVEDMaybe its because they bought peoples debt for a low cost and with the fine print reading: The cannot hold REMOVEDliable for any incorrect information. Just because they cannot hold REMOVEDliable for their misinformation doesnt mean they can come after me. This has affected me in a major way. And has cost me a lot more than the $916 that Jefferson is lying about.
- The account number:
REMOVEDPlease do NOT click 'Proceed' until you have signed and dated your agreement for release of information in Section 1 and provided the requested information in section 2. REMOVED
Business Response
Date: 04/10/2026
Please see the attached response. Thank you.
Customer Answer
Date: 04/17/2026

Complaint: 24717587

I am rejecting this response because: I need them to reach out to REMOVEDand Transunion and CreditWise to tell them this is no longer reporting but it's still showing up. This is affecting my credit remarkably.

Sincerely,

REMOVED
Business Response
Date: 04/27/2026
Please again see the attached response. Thank you.
Initial Complaint
Date:03/24/2026
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am submitting this complaint regarding Jefferson Capital Systems, LLCs attempt to collect an alleged consumer credit card debt that had already been reported to the REMOVEDas canceled debt, creating taxable income consequences to me, while Jefferson Capital still seeks to collect the same balance as though it remains fully due.The account is a Mission Lane credit card associated with REMOVEDd/b/a REMOVED, ending in 2098. Mission REMOVEDnotified me that the account, with an alleged balance of $2,439.36, was sold to Jefferson Capital effective February 10, 2026. Jefferson Capital then sent me a letter dated March 7, 2026 claiming it is the owner and current creditor, asserting that I owed $2,439.36, and stating it may report negative information to credit bureaus.This collection activity is unfair, misleading, and disputed because the debt was already treated as canceled debt for IRS reporting purposes. I am being put in the position of having the debt treated as income to me for tax purposes while Jefferson Capital simultaneously attempts to collect the same debt as an enforceable balance.I dispute both the alleged balance and Jefferson Capitals authority to collect. A generic statement that a portfolio was sold is not enough. Jefferson Capital should cease collection and any credit reporting unless and until it provides full validation, including account-level proof of ownership, chain of title, and a full explanation of any prior cancellation-of-debt reporting, including whether a Form 1099-C was issued, by whom, and whether it was corrected or rescinded.
Customer Answer
Date: 03/25/2026
REMOVED,

The letter I submitted to the BBB is not a template, it's my own letter that I created and I am instructing you to do your fiduciary duty and forward it onto Jefferson Capital Systems, thank you. Just so you're aware the pre populated information you are requested I fill out which is a template, has been filled out, I have removed section 2 as you can forward to them the information I submitted in the original complaint.

Thank you,
REMOVED-REMOVED

1) AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU

I, Jamie REMOVED-REMOVED, expressly authorize Jefferson Capital Systems, LLC to communicate directly with BBB on all matters relating to the items as specific in the complaint form and including any debts I am alleged to owe.

I have filed a complaint with BBB and authorize BBB to release the complaint form and all supporting documents to Jefferson Capital Systems, LLC.

I acknowledge without this authorization, Jefferson Capital Systems, LLC would not be authorized to discuss these matters with BBB and any of its employees or representatives. I expressly waive that restriction for all purposes relating to the complaint I filed with BBB.

Insert Your Name Here: REMOVED-Crane Date: March 25, 2026

REMOVEDPlease do NOT click 'Proceed' until you have signed and dated your agreement for release of information in Section 1 and provided the requested information in section 2. REMOVED
Customer Answer
Date: 03/25/2026
Tell us why here...Dear REMOVED,
Thank you. I am providing the information you requested so this complaint can move forward and be submitted to Jefferson Capital Systems, LLC.
First, documentation of my request to the debt collector is attached. On March 24, 2026, I sent Jefferson Capital a written dispute and demand for validation requesting, among other things, the original signed application or contract, complete account history, chain of title, and documentation supporting any claimed right to collect. That written dispute specifically challenged the alleged debt, Jefferson Capitals ownership claim, and its authority to report or collect.
Second, the reason I dispute the validity and enforceability of the alleged debt is that the same underlying account was already reported to the REMOVEDas canceled debt on Form 1099-C by REMOVEDd/b/a REMOVEDin the amount of $2,439.36, for the same Mission Lane/TAB account ending in 2098. Despite that, Jefferson Capital sent me a collection letter dated March 7, 2026 asserting that it is the owner and current creditor and claiming I still owe $2,439.36. That is the core issue in this complaint. I dispute the alleged balance and Jefferson Capitals authority to collect because the debt was already treated as canceled for REMOVEDreporting purposes, yet they are attempting to collect it as though it remains fully due, without providing the documentation I requested.
Third, the reference number provided by the debt collector is: REMOVED.
For clarity, this is not merely a form dispute. This is a substantive complaint about inconsistent and misleading collection activity involving cancellation-of-debt reporting and an attempt to collect the same balance afterward. My original BBB complaint already identified the account, amount, and reference number, and explained the basis of the dispute. Please proceed with submitting the complaint to the business.
Sincerely,
REMOVED-REMOVED
Business Response
Date: 04/03/2026
Please see the attached response. Thank you.
Initial Complaint
Date:03/16/2026
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Complaint Against: Jefferson Capital Systems Account Reported: JEFFCAPSYS Original Creditor: Fortiva Credit Card Account Number: REMOVEDDate Opened: May 20, 2024 Balance: $715 I am filing this complaint regarding an account reported by REMOVEDthat I do not recognize.After reviewing my recent credit report, I noticed several items that do not belong to me, including accounts that I did not open, unfamiliar addresses where I have never lived, and credit inquiries that I did not authorize. During this review, I also found an account listed as JEFFCAPSYS with an original creditor of Fortiva Credit Card, reported as opened on May 20, 2024 with a balance of $715.I have never opened an account with Fortiva Credit Card and have never entered into any agreement or contract with Jefferson Capital Systems. I did not authorize anyone to open this account on my behalf.After discovering this account, I contacted the appropriate parties to dispute the information. I was advised that identity theft documentation would be required before the account could be reviewed. In response, I filed a police report and completed an FTC Identity Theft Affidavit. Copies of these documents, along with dispute letters sent to the credit bureaus and authorization for release of information, are attached with this complaint. I have also filed related complaints with the REMOVED(REMOVED).Despite taking these steps, this account continues to appear on my credit report. Jefferson Capital Systems has not provided documentation showing that I am responsible for this debt.I am requesting that Jefferson Capital Systems remove this account from my credit report and provide written confirmation of its deletion. I am filing this complaint to obtain a response from the company and resolve this REMOVEDInformation:REMOVEDEmail: REMOVEDSincerely,REMOVED
Business Response
Date: 03/26/2026
Please see the attached response. Thank you.
Initial Complaint
Date:03/13/2026
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On February REMOVEDI submitted a complaint with the REMOVEDmy complaint ID is 260220-29093948 in regards to an Account that does not belong to me. Jefferson Capital Systems account number REMOVED. They have on my credit report that the account was opened 12/12/2025 which is not true. I never opened this account. In return Experian responded back on March 13th 2026 saying account verified with no proof or explanation of how they came to this conclusion after I have requested a total of 3 times proof of this account. This account doesn't not belong to me, I have never done any business with Jefferson Capital Systems.Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681(e)(b). And according to 15 USC 1681 5 they are suppose to do this (5) Treatment of inaccurate or unverifiable information (A)In generallf, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall- (1)promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate.
Customer Answer
Date: 03/14/2026
1) AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU

I, Gabriel REMOVED, expressly authorize Jefferson Capital Systems, LLC to communicate directly with BBB on all matters relating to the items as specific in the complaint form and including any debts I am alleged to owe.

I have filed a complaint with BBB and authorize BBB to release the complaint form and all supporting documents to Jefferson Capital Systems, LLC.

I acknowledge without this authorization, Jefferson Capital Systems, LLC would not be authorized to discuss these matters with BBB and any of its employees or representatives. I expressly waive that restriction for all purposes relating to the complaint I filed with BBB.

REMOVED
Insert Your Name Here: Date: _3_/_14_/_2026___

2) Here is the information BBB requested regarding my complaint:
- I requested the verification of the debt from Jefferson Capital Systems, LLC on _01/14/_2026__ by Select one -> Email, Phone, Mail, or Other (Please specify)_Mail 01/14/2026 and by CFPB on 02/20/2026_______
  
  REMOVED
- The reason why I believe the alleged debt is NOT valid is:
  
  REMOVED
- The account number:
  REMOVED
REMOVEDPlease do NOT click 'Proceed' until you have signed and dated your agreement for release of information in Section 1 and provided the requested information in section 2. REMOVED
Business Response
Date: 03/25/2026
Please see the attached response. Thank you.
Customer Answer
Date: 03/25/2026

Hi BBB,

I'm satisfied with the business's resolution to complaint ID REMOVED.

Thank you.

REMOVED
Initial Complaint
Date:03/11/2026
Type:Customer Service Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Subject: Failure to Honor Pay-For-Delete Agreement Jefferson Capital Systems LLC I am submitting this complaint regarding Jefferson Capital Systems LLC and their failure to honor a written agreement to delete a collection account from my credit report.On December 11, 2025, I paid Jefferson Capital Systems LLC a settlement amount of $180.00 regarding a Mission Lane credit card account (Account ending in 9696). This payment was made in accordance with a written payment agreement provided by Jefferson Capital Systems LLC.The letter I received from Jefferson Capital clearly states the following policy:Our Policy is that we will request the credit bureaus delete our tradeline approximately 30 days after the final payment has been posted that resolves the account.More than 30 days have passed since the settlement payment was made and posted. However, the account continues to be reported on my Experian credit report as an active collection account. This is not consistent with the written policy provided in their agreement.I upheld my end of the agreement by paying the negotiated settlement amount. I am requesting that Jefferson Capital Systems LLC uphold their written policy and immediately request deletion of this tradeline from all credit reporting agencies, including Experian.If this matter cannot be resolved promptly, I will consider filing additional complaints with the REMOVEDand the appropriate state regulatory agencies.I am requesting the following resolution:1.Immediate request for deletion of the Jefferson Capital collection tradeline from all credit bureaus.2.Written confirmation that the deletion request has been submitted.Thank you for your assistance in resolving this matter.Sincerely,REMOVED
Customer Answer
Date: 03/12/2026
1) AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU

I, Berton REMOVED, expressly authorize Jefferson Capital Systems, LLC to communicate directly with BBB on all matters relating to the items as specific in the complaint form and including any debts I am alleged to owe.

I have filed a complaint with BBB and authorize BBB to release the complaint form and all supporting documents to Jefferson Capital Systems, LLC.

I acknowledge without this authorization, Jefferson Capital Systems, LLC would not be authorized to discuss these matters with BBB and any of its employees or representatives. I expressly waive that restriction for all purposes relating to the complaint I filed with BBB.

Insert Your Name Here: Date: __/__/____

2) Here is the information BBB requested regarding my complaint:
- I requested the verification of the debt from Jefferson Capital Systems, LLC on __/__/___ by Select one -> Email, Phone, Mail, or Other (Please specify)_________________
  
  REMOVED
- The reason why I believe the alleged debt is NOT valid is:
  
  REMOVED
- The account number:
  REMOVED
REMOVEDPlease do NOT click 'Proceed' until you have signed and dated your agreement for release of information in Section 1 and provided the requested information in section 2. REMOVED
Business Response
Date: 03/20/2026
Please see the attached response. Thank you.
Customer Answer
Date: 03/20/2026

Hi BBB,

I'm satisfied with the business's resolution to complaint ID REMOVED. The Solution came once far past the 30 day REMOVEDas stated by Jefferson Capital in original agreement, and only after getting the BBB involved.

Thank you.

REMOVED
Initial Complaint
Date:03/11/2026
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Jefferson REMOVEDpromised a pay to delete if settlement balance was paid in full by 2/20/2026 . They only reported half of the balance being paid and my credit report still reads that I owe them.
Customer Answer
Date: 03/11/2026
1) AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU

I, Lashantiera REMOVED, expressly authorize Jefferson Capital Systems, LLC to communicate directly with BBB on all matters relating to the items as specific in the complaint form and including any debts I am alleged to owe.

I have filed a complaint with BBB and authorize BBB to release the complaint form and all supporting documents to Jefferson Capital Systems, LLC.

I acknowledge without this authorization, Jefferson Capital Systems, LLC would not be authorized to discuss these matters with BBB and any of its employees or representatives. I expressly waive that restriction for all purposes relating to the complaint I filed with BBB.

Insert Your Name Here: Date: __/__/____

2) Here is the information BBB requested regarding my complaint:
- I requested the verification of the debt from Jefferson Capital Systems, LLC on __/__/___ by Select one -> Email, Phone, Mail, or Other (Please specify)_________________
  
  REMOVED
- The reason why I believe the alleged debt is NOT valid is:
  
  REMOVED
- The account number:
  REMOVED
REMOVEDPlease do NOT click 'Proceed' until you have signed and dated your agreement for release of information in Section 1 and provided the requested information in section 2. REMOVED
Business Response
Date: 03/20/2026
Please see the attached response. Thank you.
Initial Complaint
Date:03/10/2026
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
This account relates to a REMOVEDdebt that was discharged in bankruptcy. Jefferson Capital Systems is attempting to collect the debt and indicating that a payment arrangement exists, which is incorrect. Because the debt was discharged, it is no longer legally collectible. I am requesting that Jefferson Capital cease collection activity and remove any credit reporting associated with this account.
Customer Answer
Date: 03/10/2026
1) AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU

I, Gregory REMOVED, expressly authorize Jefferson Capital Systems, LLC to communicate directly with BBB on all matters relating to the items as specific in the complaint form and including any debts I am alleged to owe.

I have filed a complaint with BBB and authorize BBB to release the complaint form and all supporting documents to Jefferson Capital Systems, LLC.

I acknowledge without this authorization, Jefferson Capital Systems, LLC would not be authorized to discuss these matters with BBB and any of its employees or representatives. I expressly waive that restriction for all purposes relating to the complaint I filed with BBB.

REMOVEDrem; -webkit-text-size-adjust: 100%;">REMOVED
Date: 03/10/2026

2) Here is the information BBB requested regarding my complaint:
- I requested the verification of the debt from Jefferson Capital Systems, LLC on 3/2/2026 by Phone
  
  REMOVED
- The reason why I believe the alleged debt is NOT valid is: The reason I believe the alleged debt is not valid is that the REMOVEDWireless account referenced by REMOVED(JCS Reference #REMOVED) was discharged in my Chapter 7 bankruptcy. My bankruptcy was filed on March 14, 2023 in the REMOVEDBankruptcy Court for the Northern District of Illinois. Because this debt was discharged through bankruptcy, it is no longer legally collectible. I am requesting that Jefferson Capital Systems cease any collection activity related to this account.
  
  REMOVED
- The account number: REMOVED
  REMOVED
REMOVEDPlease do NOT click 'Proceed' until you have signed and dated your agreement for release of information in Section 1 and provided the requested information in section 2. REMOVED
Business Response
Date: 03/18/2026
Please see the attached response. Thank you.
Customer Answer
Date: 03/18/2026

Hi BBB,

I'm satisfied with the business's resolution to complaint ID REMOVED.

Thank you.

REMOVED

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Jefferson Capital Systems, LLC is BBB Accredited.