Business Profile

Collections Agencies

Jefferson Capital Systems, LLC

Headquarters

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

1,175 total complaints in the last 3 years.
160 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:03/02/2025
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.
Good day Jefferson Capital! I am reaching out regarding reference number ********** ($1,811.05) and reference number ********** ($724.48). I am a disabled retiree on fixed income facing increased health expenses. I want to fulfill this financial obligation but unable to do without a reduced settlement. With a reduced settlement, I would like to know if I can get 3 months to pay. For reference number ********** ($1,811.05) --- can I settle this account for $400 payable in 3 months? For reference number ********** ($724.48) --- can I settle this account for $180 payable in 3 months? This will allow me to not have financial distress and meet this obligation without hardship. Thank you for your consideration.
Customer Answer
Date: 03/02/2025
1) AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU

I, ******** *****, 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: _03_/_2_/__2025__

2) Here is the information BBB requested regarding my complaint:
The reason for my complaint is not about validation but settlement. Thank you!
- 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:
  
  *****
- The account number:
  *****
******* Please 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. *******
Business Response
Date: 03/13/2025
March 13, 2025

Better Business Bureau
****************************************************************************************************

Re: ******** ***** / ID# ********

Dear BBB Accreditation Team:

We are in receipt of your correspondence sent on behalf of the above-referenced customer.

This letter will confirm that we are responding directly to ******** ***** via US mail to attempt to resolve this matter.Attached is a copy of our response.

Thank you for the opportunity to be of service.

Sincerely,

Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
Customer Answer
Date: 03/13/2025

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. Thank you very much!
Initial Complaint
Date:02/28/2025
Type:Service or Repair 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 Capital has put in a writ of garnishment to my employer who is now withholding said garnishment. My issue with this is that I was never given the opportunity to setup a payment plan, nor was I provided the information for this garnishment prior to the garnishment happening. Not to mention I have no idea who the original creditor is. The tracking number for the certified letter provided in the documentation that was sent to my employer is a tracking number that has nothing to do with my address. I would like to see the proof that I was served with this notice. Without having me served and given the opportunity to respond, I don't believe this should have been sent to my employer for withholding.
Customer Answer
Date: 02/28/2025
1) AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU

I, Stephanie ***, 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: ********* ***/ Bresland Date: 02/28/2025

2) Here is the information BBB requested regarding my complaint:
- I requested the verification of the debt from Jefferson Capital Systems, LLC on 02/27/2025 by Select one -> Phone
  
  *****
- The reason why I believe the alleged debt is NOT valid is: They never served me prior to the garnishment coming out of my checks. I received no documentation of the original debt nor was I given the option to setup a payment plan prior to the garnishment being sent to my employer. Had I been given payment options prior to the garnishment I would have set those up as I am a single mother and this is now a hardship.
  
  *****
- The account number: ******
  *****
******* Please 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. *******
Business Response
Date: 03/06/2025
Please see the attached response. Thank you.
Initial Complaint
Date:02/26/2025
Type:Order 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 not liable for this debt with ****************. I do not have a contract with Jefferson Capital System, they did not provide me with the original contract as requested.
Customer Answer
Date: 02/26/2025
1) AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU

I, Gail ******-*****, 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: **** ******-Tyler Date: 02/26/2025

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:
  
  *****
- The account number:
  *****
******* Please 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. *******
Business Response
Date: 03/04/2025
March 4, 2025

Better Business Bureau
****************************************************************************************************

Re: **** ******-***** / ID# ********

Dear BBB Accreditation Team:

Jefferson Capital Systems, LLC received the above referenced correspondence sent on behalf of **** ******-***** and we reviewed our file. Our office understands these matters can be stressful, and we strive to treat every person with respect and dignity.

Jefferson Capital will contact **** ******-***** directly via U.S. mail to attempt to resolve this complaint. Attached is a copy of our response.

We appreciate the service provided by the Better Business Bureau and its assistance in resolving this complaint. Thank you for the opportunity to be of service.

Sincerely,

Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
Initial Complaint
Date:02/20/2025
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 had a loan with UPLIFT for $765.21. I made payments of $255.07 on 4/9/23, 8/14/23, and 11/10/23 totaling $765.21. Jefferson Capital systems is attempting to collect $255.07. This account was paid in full to UPLIFT and Jefferson Capital Systems has no right to a collection of a debt that is not owed. My credit has been negatively affected by this and I am very upset.
Customer Answer
Date: 02/26/2025
1) AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU

I, Jaime *********, 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: ***** Salisbury Date: __2/_26_/_2025___

2) Here is the information BBB requested regarding my complaint:
- I requested the verification of the debt from Jefferson Capital Systems, LLC on _2_/_26_/_2025__ by Select one -> Email, Phone, Mail, or Other (Please specify)_____PHONE____________
  
  *****
- The reason why I believe the alleged debt is NOT valid is: The account with uplift was paid in full to uplift as seen by the bank statement and invoice from uplift. I contacted Jefferson Capital systems and requested a verification of debt and they denied it stating that the account was in dispute status as paid in full already.
  
  *****
- The account number: ********************************************* account number : ********** Uplift loan ID number: ********
  *****
******* Please 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. *******
Business Response
Date: 03/04/2025
March 4, 2025

Better Business Bureau
****************************************************************************************************

Re: ***** ********* / ID# ********

Dear BBB Accreditation Team:

We received the above referenced correspondence sent on behalf of ***** ********* and reviewed our file. Jefferson Capital Systems, LLC understands these matters can be stressful, and we strive to treat every person with respect and dignity.

Our office will contact ***** ********* directly via U.S. mail to attempt to resolve this complaint.Attached is a copy of our response.

Jefferson Capital Systems, LLC appreciates the important service provided by the Better Business Bureau and its assistance in resolving this complaint. Thank you for the opportunity to be of service.

Sincerely,

Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
Initial Complaint
Date:02/19/2025
Type:Order 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 not liable for this debt with character communication. I do not have a contract with *****************************, they did not provide me with the original contract as I requested.
Customer Answer
Date: 02/20/2025
1) AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU

I, Shaina ******, 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: 02__/__20/__2025__

2) Here is the information BBB requested regarding my complaint:
- I requested the verification of the debt from Jefferson Capital Systems, LLC on 01__/__15/__2025_ by Select one -> Email, Phone, Mail, or Other (Please specify)___phone______________
  
  *****
- The reason why I believe the alleged debt is not valid for the following reasons:
  1.Lack of Verification I have not received sufficient documentation proving that this debt is mine or that [Debt Collectors Name] has the legal right to collect it. Under the Fair Debt Collection Practices Act (FDCPA), I am entitled to request and receive proper validation.
  2.Potential Errors or Misrepresentation Upon reviewing my financial records, I do not recognize this debt as one I owe. It is possible that this is a case of mistaken identity, inaccurate reporting, or fraudulent activity.
  3.Statute of Limitations If applicable, this alleged debt may be beyond the statute of limitations, making it legally unenforceable.
  
  I kindly request that the Better Business Bureau investigate this matter and ensure that [Debt Collectors Name] provides the necessary documentation to validate their claim. If they cannot prove the legitimacy of this debt, I ask that they cease all collection efforts and remove any negative reporting related to it.
  
  I appreciate your time and assistance in resolving this issue. Please provide me with any updates regarding the status of my complaint.
  
  Sincerely,
  
  ****** ******
  
  *****
- The account number: N/A
  *****
******* Please 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. *******
Business Response
Date: 02/28/2025
February 28, 2025

Better Business Bureau
****************************************************************************************************

Re: ****** ****** / ID# ********

Dear BBB Accreditation Team:

We are in receipt of your correspondence sent on behalf of the above-referenced customer.

This letter will confirm that we are responding directly to ****** ****** via US mail to attempt to resolve this matter.Attached is a copy of our response. Contrary to the allegations in the complaint filed with the BBB, our office has no record of receiving any communication, including a request for documentation of the account, from the consumer. We therefore did not have an opportunity to address the consumers concerns prior to the filing of the complaint.

Thank you for the opportunity to be of service.

Sincerely,

Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
Initial Complaint
Date:02/19/2025
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 collection agency has maid a claim to my transunion credit report for a sum of money slightly over $1,000. They claim klarna credit sold this debt to collections. I have never done business with either of these companies. I did not ever sign up for klarna credit. They did not send letters to my adress to explain these claims. I am not involved with this sum of money and will not pay it. I have sent a letter per the recomendation of the BBB requesting details of the debt claim. The only credit i have ever aquired is my *************** credit, federal student loans, and a capital one car loan. Any and all other debt claimed against me is false. My credit report states that this collection agency filed the claim November 2024. As a result of the damage from this false claim against me, my one and only credit card has slashed my credit limit to a low amount damaging my credit even further.
Customer Answer
Date: 02/23/2025
1) AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU

I, Jacob Jager, 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: ***** Jager Date: 02/23/2025

2) Here is the information BBB requested regarding my complaint:
- I requested the verification of the debt from Jefferson Capital Systems, LLC on 02/19/2025 by Select one -> Mail
  
  *****
- The reason why I believe the alleged debt is NOT valid is: I have never opened a credit card with them nor ever done business with them. They never sent letters to me to make a claim I owe debt. If anything was sent it was not addressed to my home. This claim against me was only noticed when I performed a credit check with my only credit card provider which is ****************
  
  *****
- The account number: *************
  *****
******* Please 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. *******
Business Response
Date: 03/04/2025
March 4, 2025

Better Business Bureau
****************************************************************************************************

Re: ***** ***** / ID# ********

Dear BBB Accreditation Team:

We are in receipt of your correspondence sent on behalf of the above-referenced customer.

This letter will confirm that we are responding directly to ***** ***** via US mail to attempt to resolve this matter. Attached is a copy of our response.

Thank you for the opportunity to be of service.

Sincerely,

Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
Customer Answer
Date: 03/10/2025

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********. I am still waiting for the direct contact by letter that Jefferson Capital LLC has mentioned sending. Until I review the details of their response I find that this resolution is satisfactory to me.
Sincerely,

***** *****
Initial Complaint
Date:02/17/2025
Type:Delivery 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 called Jefferson Capital in regards to a collection on my Credit report. Debt occurred in 2010. Filed and placed in Bankruptcy in 2013. Sold to Jefferson Capital from the original company which filed for bankruptcy and closed in 2024. Now they are violating Federal in trying to collect a debt from me and not contacting me first. This debt is going on 15 years old, and had been legally taken care of. Attached is the order for Discharge. Conns is account number *******. Also noted on the court order it states you can not contact me or try to collect this debt. Violating this order you can be required to pay debtors damages and attorneys fees.
Customer Answer
Date: 02/17/2025
1) AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU

I, Shane *******, 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: _02_/17_/_2025___

2) Here is the information BBB requested regarding my complaint:
- I requested the verification of the debt from Jefferson Capital Systems, LLC on _02_/_17_/_2025__ by Select one -> Email, Phone, Mail, or Other (Please specify)__Phone_______________
  
  *****
- The reason why I believe the alleged debt is NOT valid is: This was filed under a Chapter 14 and discharged. I sent you the documents stating so.
  
  *****
- The account number: They would not give me an account number
  *****
******* Please 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. *******
Customer Answer
Date: 02/20/2025
Good afternoon.

I feel like my complaint should not have been cancelled due to the fact I submitted all requested paperwork within two days of the original complaint filed.

I was yelled at by this companys representative and called a thief.

I do not owe this debt and it was handled by the courts and discharged by the judge in 2019.

***** *******
************

Business Response
Date: 02/28/2025
Please see the attached response. Thank you.
Customer Answer
Date: 03/02/2025

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

***** *******
Initial Complaint
Date:02/16/2025
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.
Dear *********** am writing to formally dispute the validity of the debt referenced in your collection notice dated [date of notice], which you claim I owe. Under Section 1692(g) of the Fair Debt Collection Practices Act (FDCPA), I am requesting that you provide verification of the debt.Please provide me with the following information:The full name of the creditor to whom the debt is owed.The amount of the debt and a detailed breakdown of how this balance was calculated.Any documentation that verifies I am responsible for this debt, such as a copy of the original contract or a statement from the creditor.A history of payments and any charges that have been applied to the debt.Until you provide this information, I request that you cease any collection activity, including reporting this debt to the credit bureaus. If you are unable to validate the debt as required by law, I request that this collection entry be removed from my credit report.Please note that I am aware of my rights under the ****** and I am requesting that you comply with these legal obligations within the time frame outlined in the statute.Thank you for your prompt attention to this matter. I look forward to your response within 30 days from the receipt of this letter.
Customer Answer
Date: 02/21/2025
1) AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU

I, Telma Banks, 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: TB Date: __02/_21_/_2025___

2) Here is the information BBB requested regarding my complaint:
- I requested the verification of the debt from Jefferson Capital Systems, LLC on _11_/_20_/__2024_ by Select one -> Email, Phone, Mail, or Other (Please specify)__________Online_______
  
  *****
- The reason why I believe the alleged debt is NOT valid is: I believe this account is not mine because I have no record of opening or using it. There are no transactions, agreements, of account. I would appreciate any supporting information to clarify why it is being associated with me.
  
  *****
- The account number: ******
  *****
******* Please 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. *******
Business Response
Date: 03/04/2025
Please see the attached response. Thank you.
Initial Complaint
Date:02/12/2025
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 not liable for this debt with ****************. I do not have a contact with the collection agency trying to collect and reporting this to my credit report. They did not provide me with the original contract as requsted.
Customer Answer
Date: 02/12/2025
1) AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU

I, Darvin *******, 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: 02/12/2025

2) Here is the information BBB requested regarding my complaint:
- I requested the verification of the debt from Jefferson Capital Systems, LLC on 10/07/2024 by Select one -> Email, Phone, Mail, or Other (Please specify)Mail
  
  *****
- The reason why I believe the alleged debt is NOT valid is: Failure to provide strict proof of documentation of any contractual relationship between Jefferson Capital Systems, LLC, and myself, ****** *******, entitling enforcement of collections and or claims.
  
  *****
- The account number: ******
  *****
******* Please 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. *******
Business Response
Date: 02/21/2025
Please see the attached response. Thank you.
Customer Answer
Date: 02/22/2025

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

****** *******
Initial Complaint
Date:02/12/2025
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.
Jefferson Capital Systems has placed a fraudulent collection for $3,440 on my credit report. I have never received any documentation about this debt. They claim it came from *******, but I contacted *******, and they confirmed this is inaccurate, in Jefferson Capital has provided no proof and is damaging my credit. I am requesting that this account be removed immediately for fraudulent reporting. They report fake debts without notice or verification. They intentionally target consumers trying to make large purchases. They fail to provide any letters or proof of debt ownership. They are blackmailing consumers into paying debts they do not owe. I have also verified info with ******* and filed dispute and they stated this should have been removed i have made over 50 calls and filled out a number of things to have this keep going with no info and when you call Jefferson no one answers you sit on hold for an hour
Customer Answer
Date: 02/12/2025
1) AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU

I, Travis ******, 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: 02__/__12/____2025

2) Here is the information BBB requested regarding my complaint:
- I requested the verification of the debt from Jefferson Capital Systems, LLC on 12__/_05_/__25_ by Select one -> Email, Phone, Mail, or Other (Please specify)_______________mail and phone __
  
  *****
- The reason why I believe the alleged debt is NOT valid is: never have I recorded a call letter or anything regular ding this debt and when I call Jefferson no one answers or call me back and the one time I got someone on phone they threatened me
  
  *****
- The account number:
  *****
******* Please 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. *******
Business Response
Date: 02/21/2025
Please see the attached response. Thank you.
Customer Answer
Date: 02/21/2025

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

****** ******

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Jefferson Capital Systems, LLC is BBB Accredited.