Business Profile

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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

1,198 total complaints in the last 3 years.
167 complaints closed in the last 12 months.

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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:04/18/2025
Type:Order 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 UPLIFT INSTALLMENT LOAN. I do not have a contract with Jefferson Capital Systems (Listed on my credit report as Jefferson Capital Syst), they did not provide me with the original contract as I requested.
Customer Answer
Date: 04/24/2025
1) AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU

I, Van *****, 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: Van A NIxon Date: 4/24/2024

2) Here is the information BBB requested regarding my complaint:
- I requested the verification of the debt from Jefferson Capital Systems, LLC on 2/3/2025 by Phone, and Mail
  
  *****
- The reason why I believe the alleged debt is NOT valid is: I have no Idea of this debt and dispute that its mine. I have never done business with Uplift.
  
  *****
- The account number: Only account number I have/been provided is **********
  *****
******* 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: 05/01/2025
Please see the attached response. Thank you.
Customer Answer
Date: 05/01/2025

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. Please proceed with the deletion from from my credit report. Thank you

Sincerely,

*********
Initial Complaint
Date:04/15/2025
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.
Jefferson ******* was one of the collection agencies that was paid through my chapter 13 bankruptcy at the end of my bankruptcy. They sent a refund check for overpayment to the trustee the trustee voided it and forwarded back to them stating the plan was over and that they should send the refund payment directly to me in September ****************************************************************** my attorney. I contacted my attorney and he has been trying to reach them since November 2024 for the refund to no avail.
Customer Answer
Date: 04/15/2025
1) AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU

I, Rodney ******, 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)_________________
  
  *****
- 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: 04/18/2025
April 18, 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 the response sent to him.

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:04/14/2025
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.
Re: JEFFERSON CAPITAL SYST Account #: ********** I am filing a formal identity theft complaint regarding a collection account that ********************** is reporting on my credit report. I did not authorize or open this account and have no knowledge of the debt. I have submitted an FTC Identity Theft Report, proof of identity, and address verification. Under FCRA 605B, the credit bureaus and data furnishers are required to block fraudulent accounts once proper documentation is submitted. Despite this, Jefferson Capital continues to report this account, which is causing unjust damage to my credit. This account must be permanently deleted.
Customer Answer
Date: 04/15/2025
1) AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU

I, Christopher Lewings, 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: *********** Lewings Date: 04__/15__/_2025___

2) Here is the information BBB requested regarding my complaint:
- I requested the verification of the debt from Jefferson Capital Systems, LLC on 03__/_18_/_2025__ by Select one -> Email, Phone, Mail, or Other (Please specify)__Other_______________
  
  *****
- The reason why I believe the alleged debt is NOT valid is: I never did business with this company or any other company associated with this date.
  
  *****
- 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: 04/23/2025
Please see the attached response. Thank you.
Initial Complaint
Date:04/04/2025
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.
I am writing to formally dispute an inaccurate credit report entry related to JEFFERSON CAPITAL SYSTEMS LLC. My credit report shows that an account with ******************** LLC with an outstanding balance of $744.00 that I believe to be incorrect. I have no knowledge or contract with JEFFERSON CAPITAL SYSTEMS LLC and according to the Fair Debt Collection Practices Act, I have a right to have the alleged debt validated. I respectfully requested Pro Collect to provide proof of this alleged item and they have not complied. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instruments bearing my signature. Failing that, the item must be deleted from my credit report immediately.
Business Response
Date: 04/16/2025
Please see the attached response. Thank you.
Initial Complaint
Date:04/03/2025
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.
The basis for my dispute JEFFERSON CAPITAL SYST ***** M. ******, President/CEO,JEFFERSON CAPITAL SYSTEMS,373607450....,$593 - was required to notify me prior to 10/20/2023, or no later than 30 days after. JEFFERSON CAPITAL SYSTEMSfailed to notify me about reporting derogatory info. to Equifax, Experian, and Transunion In section 603(p) 15 U.S.C. ss 168s-2(a)(7)(A)(I); The notice required under subparagraph (A) shall be provided to the customer prior to, or no later than 30 days after 10/20/2023, furnishing the negative derogatory information to a consumer reporting agency described in section 603 (p), 15 U.S.C. ss 1681s-2(a)(7)(B)(I). Plus broke commercial law under *** ***** that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. Also, JEFFERSON CAPITAL SYSTEMS" failed to give me my "Mini-******** five days prior to placing this derogatory item on all of my credit reports, per Section *************** 809, which is $1000 per violation and the state of Texas allows treble damages.Under 809. Validations of date and Mini-******* under Section 807(1)JEFFERSON CAPITAL SYST ***** M. ******, President/CEO failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the ***** I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to $2500 and can be enforced by the ***, and that my state attorney general can also enforce this with a $1000 penalty as well.I attached a copy of the law and the actual document from the federal reserve JEFFERSON CAPITAL SYSTEMSis held liable as well for defamation and in the state of Texas a creditor is who collects their on debt is considered a debt collector under FDCPA. ***** v. Heard 980 S.W.2d693(Tex.App-San ******* 1989 reh.den.) citing ****** v. ***** 936 S.W.2d 654(Tex.App-****** 1996 writ dism'd
Customer Answer
Date: 04/04/2025
1) AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU

I, Christopher ******, 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: *********** STIGER Date: _04_/_04_/_2025___

2) Here is the information BBB requested regarding my complaint:
- I requested the verification of the debt from Jefferson Capital Systems, LLC on _03_/_06_/_2025__ by Select one -> Email, Phone, Mail, or Other (Please specify)_MAIL________________
  
  *****
- The reason why I believe the alleged debt is NOT valid is: Conditional Acceptance
  
  *********** ******
  c/o
  90 CR 1148
  ******* *****, 75551
  
  Attn:JEFFERSON CAPITAL SYST ***** M. ******, President/CEO
  
  RE:
  JEFFERSON CAPITAL SYSTEMS, Date: October 20, 2023, Account#: *********...., Amount: $593,
  MARCH 06, 2025
  
  RE: DEMAND FOR PAYMENT OF DEBT; CONDITIONAL ACCEPTANCE FOR VALUE PREDICATED UPON PROOF OF CLAIM UPON CONTRACT, FOR DETERMINATION OF UNCONSCIONABILITY AND OR FRAUD ON THE CONTRACT - ABILITY TO PAY AT LAW AND AGREEMENT FOR COMMERCIAL DISCHARGE, Account#
  ********************, Date: October 20, 2023, Account#: *********...., Amount: $593.
  
  Cause: In regards to your credit bureau listing
  Enclosure: Phone Plan Checker Information Sheet
  
  Dear *************************** following acceptance document involves the following parties:
  1) Debtor, hereafter known as *********** ******
  2) CREDITOR/COLLECTION SERVICE, hereafter known as JEFFERSON CAPITAL SYSTEMS
  I am in receipt of my credit bureau reports showing my credit file and saw that on 10/20/2023 you posted derogatory information on my credit reports.
  
  Also, you failed to give me my "Mini-******** five days prior to placing this derogatory item on all of my credit reports, per Section 807(11) & ***** 809, which is $1000 per violation and the state ofTexas allows treble damages.And, while checking with the TexasSecretary of State we found you have no currently registered $10,000 surety bond to collect on this debt in the state of *****, which is a violation of the TexasFinance Code *******, ****, & ***** according to the Texas Secretary of State, JEFFERSON CAPITAL SYSTEMS is not listed and I do not support or encourage non-bonded businesses in my state.
  
  I want to resolve this matter as soon as possible, and therefore I am initiating this private administrative remedy to determine if such matters or controversy exist in this transaction/contract under the Fair Credit Billing Act.
  
  The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing. Pursuant to Title 15, Section 1666 of the United States Code. I formally request the following documentary evidence pertaining to my account.
  
  As such, I conditionally accept for value your offer.
  
  1. A copy of the original credit application showing the terms of the agreement.
  
  2. A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted.
  
  3. Copies of all documents and financial instruments used to pay the disputed late payments.
  
  4. Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness.
  
  5. Copies of all documents sent to me regarding my account.
  
  As such, I conditionally accept for value your offer.
  
  As my affirmation and agreement to resolve this matter, I offer my pledge to consent to your demands for payment and to forego any private lien, or public legal process, in exchange for your Proofs of Claim. By your failure to respond, or to provide the Proofs of Claim attached, you admit your culpability and give me authority to proceed with the Private Administrative Process to reasonably assess and collect damages.
  
  Proofs of Claim are set out below, to wit:
  
  PROOF OF CLAIM that JEFFERSON CAPITAL SYSTEMS has a signed contract with *********** ****** signifying that Debtor knew of any charges for services in advance and agreed to the same.
  My Common Law Right -See Restatement, Contracts S 170(3), (4) (1932); C.J.S. Mortgages S 469 in ************* v ******** 256 N.J. Super 23 (App. Div 1992).
  
  PROOF OF CLAIM thatChristopher ****** has a signed contract with Debtor to perform a specific function with regards to the DEMAND FOR PAYMENT OF DEBT, in lieu of #1, under
  
  F. The TexasCivil Code, which set forth contract law in 1549, et seq. Some crucial are: 1550. Essential elements of contract
  It is essential to the existence of contract that there should be part:
  2. Their consent;
  3. Lawful object; and
  4. A sufficient cause or consideration
  1156/ Essentials of consent
  The consent of the parties to a contract must be:
  1. Free;
  2. Mutual; and,
  3. Communicated by each to the other.
  1567. An apparent consent is not real or free when obtained through:
  I. Duress;
  II. Menace;
  III. Fraud;
  IV. Undue influence
  
  See Matter of Staff Mortg. & Inv. Corp., 550 F.2d 1228 (9th Cir 1977), Under the Uniform Commercial Code. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt.) ******* v. ************************, 302CV577, 2002 WL ******** (*.****., Oct. 29, 2002)
  
  PROOF OF CLAIM that JEFFERSON CAPITAL SYSTEMS have FULL DISCLOSURE to all matters dealing with said contract.
  
  PROOF OF CLAIM that, in lieu of proof of #1,2, & 3 above that JEFFERSON CAPITAL SYSTEMS , sending debtor an unsigned DEMAND FOR PAYMENT OF DEBT via the US Mail, does not constitute a fraudulent claim, and/or mail fraud (Title 13, Sec 1331 USC).
  
  5. PROOF OF CLAIM that JEFFERSON CAPITAL SYSTEMS as an artificial entity/creature, created under the laws of the State of {comadd}and doing business in the State of *****, by and through its Officers, Board of Directors and employees, are not bound to support Article I, X, as a State created entity, in that No State shall... make any Thing but gold and silver coin as Legal Tender in Payment of Debts, and that any such thing as gold and silver coin exists as legal Tender in payment of debts.
  
  6. PROOF OF CLAIM that of the value (substance) demanded in the DEMAND FOR PAYMENT OF DEBT is in the nature of Valuable Consideration called money pursuant to Title 31 UNITED STATES CODE 371 and 12 UNITED STATES CODE 152.
  
  7. PROOF OF CLAIM that JEFFERSON CAPITAL SYSTEMS inquired that the Acceptor-For-Value of the contract had, or has, access to lawful money of account (SEE #3 ABOVE) to pay the contract debt at law without being compelled to become a tort feasor.
  
  8. PROOF OF CLAIM that the undersigned had/has access to money that constitutes LAWFUL (Sufficient) CONSIDERATION.
  
  9. PROOF OF CLAIM that the use of a (federal reserve) Note, or instruments certifying conveyance of *************** Notes, is not only a promise to pay. ************************* v ******, 131 P2d 894.
  
  10. PROOF OF CLAIM THAT Legal Tender (federal reserve) Notes, or instruments certifying conveyance of *************** Notes, are good and lawful money of the *************. See Rains v State, 226 S.W. 189.
  
  11. PROOF OF CLAIM that *************** Notes, or instruments certifying conveyance of *************** Notes, are not valueless. See IRS Codes Section 1.1001-1 (4657)C..C.H. (Note; Federal reserve Bank say *************** Notes... ...have no value.)
  
  12. PROOF OF CLAIM that (***************) Notes, or instruments indicating a conveyance of *************** Notes, do operate as payment in the absence of an agreement that they shall constitute payment. See Blachshear Mfg. *** V *******,12 S.E. 2d 766.
  
  13. PROOF OF CLAIM that the undersigned had a meeting of the minds with JEFFERSON CAPITAL SYSTEMS pursuant to theDEMAND FOR PAYMENT OF DEBT in respect to full disclosure: That said contract contained no elements of fraud by JEFFERSON CAPITAL SYSTEMS.
  14. PROOF OF CLAIM that your DEMAND FOR PAYMENT OF DEBT does not thereforeconstitute an attempt by
  JEFFERSON CAPITAL SYSTEMS, Date: October 20, 2023, Account#: *********...., Amount: $593, Issue: Collection account. $593 past due as of Mar 2025.
  as unjust enrichment.
  
  TAKE NOTICE OF THE FOLLOWING:
  
  A contract made by a corporation beyond the scope of its corporate powers is unlawful and void. ********* v Market Natl. Bank, 165 Us 538
  
  B. Negotiable Instruments Law was designed to cover commercial paper, [which] IS currency. La. Stat. ***. -R.S., 71 et seq. LSA-C.C, Art. 2139
  
  15. PROOF OF CLAIM that "ORIGINAL CREDITOR by and through itsemployees, knew or did not know, that this transaction was beyond the scope of its Charter and that JEFFERSON CAPITAL SYSTEMS/ORIGINAL CREDITOR has the authority to violate good faith, commercial law, Res ******** on the money issue, and violate contract law in respect to constitutional money to bind the undersigned to an unconscionable contract.
  
  16. PROOF OF CLAIM that ORIGINAL CREDITOR by and through its employees, did not commit fraud on the contract in respect to the account/contact referenced above in any capacity.
  
  17. PROOF OF CLAIM that undersigned, as the authorized representative of the Debtor does not have the standing or capacity to accept for value the presentment And discharged the same via an exchange of asset instruments, which are the only instruments capable of closing and settling the account, that ******************** are NOT in violation of the remedy provided by Congress - House Joint Resolution-192 of June 5, 1933, which prohibits requiring a particular kind of specie to be tendered for payment of obligations;
  
  18. -Please provide breakdown of fees including any collection costs and cell phone charges per Fields *. ****** Law Firm, ****** L. ****** and ******* ******, USCA-02-C-0072, 7th Circuit Court, Sept 2004. Also ****** v ******* 745 N.E.2d 862
  
  -Provide a copy of signature with the provider of service to release my phone information to you
  
  -Cease any credit bureau reporting until Proof of Claims are provided for all.
  
  19. PROOF OF CLAIM that IF JEFFERSON CAPITAL SYSTEMS does NOT accept an exchange of asset instruments, which are the only instruments capable of closing and settling the account, that ******************** is NOT in violation of the 13th Article of Amendment, which prohibits involuntary servitude, by keeping the Debtor/Account-Holder in a state of permanent debtorship by only accepting liability instruments, which increase the debt by adding more liabilities and can never close and settle the account.
  
  (20). PROOF OF CLAIM that JEFFERSON CAPITAL SYSTEMSagents/officers are able to swear to the authenticity of the originating or source documents of a credit transaction.
  
  21. PROOF OF CLAIM that JEFFERSON CAPITAL SYSTEMS provided notification 30 days prior to or 30 after furnishing negative information on my credit report (i.e. sign dated certified mail receipt prior to or after 10/20/2023" per:
  Violations of this provision of the **** are subject to civil penalties of $2,500 per violation.
  Furnisher Failure to Notify When Reporting to Credit Bureau!
  In section 603(p) 15 U.S.C. ss 168s-2(a)(7)(A)(I); The notice required under subparagraph (A) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 (p), 15 U.S.C. 1681s-2(a)(7)(B)(I).
  
  22. PROOF OF CLAIM that JEFFERSON CAPITAL SYSTEMS followed the Fair Credit Billing Act (15 U.S.C. *********j) This Act, amending the Truth in Lending Act, requires prompt written acknowledgment of consumer billing complaints and investigation of billing errors by creditors. The amendment prohibits creditors from taking actions that adversely affect the consumers credit standing until an investigation is completed, and affords other protection during disputes. The amendment also requires that creditors promptly post payments to the consumers account, and either refund over payments or credit them to the consumers account.
  
  23. PROOF OF CLAIM that JEFFERSON CAPITAL SYSTEMSfollowed the Fair Credit Reporting Act (15 U.S.C. 1681-16819(u), as amended) The Act protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report cannot be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. Also, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. Further, users must identify the company that provided the report, so that the accuracy and completeness of the report may be verified or contested by the consumer.
  
  I require compliance with the terms and conditions of this letter within 10 days under the Telephone Disclosure and Dispute Resolution Act of 1992 (codified in relevant part at 15 U.S.C. 5701 et seq.). And a complete withdrawal, in writing, of any report to any credit reporting agency. In the event of noncompliance, I reserve the right to file charges and/or complaint with the appropriate County, State & Federal authorities ,the BBB and FCC for violations of the ****, ****, ****, Telephone Disclosure and Dispute Resolution Act of 1992 (codified in relevant part at 15 U.S.C. 5701 ET seq.) and Federal and State statutes for fraudulent slander of credit and illegal reporting activities & (*****) privacy rules. I also hereby reserve my right to take private civil action against you to recover damages.
  
  Failure, or refusal by *********** ****** to provide the above Proofs of Claim will constitute your dishonor and default and your admission and confession to injury and damage to the undersigned in respect to your admitted fraud on the contract and/or compelling the undersigned into an unconscionable contract by your own admission and failure to bring forth Proof of Claim in support of a clean hands doctrine, full disclosure, good faith dealing, and the FAIR CREDIT BILLING ACT as applied to this transaction/contract/ as referenced above.
  Per your failure or refusal to bring forth Proof of Claim, you will by your dishonor and default, fail to state a claim upon which relief can be granted, you will ;have validated the non-existence of a purported debt, you will have stipulated to the facts herein it operated in favor of the undersigned, due to your silence and admitted fraud on the contract.
  
  Therein, presumption will be taken in regards to your default, dishonor, admission, and confession of injury and damage and failure to state a claim, that you, , by and through your corporate officers are giving permission for a lien to be filed against you for said default, damages, and dishonor. Said damages are estimated in excess of $23,000.00, in which the state of ***** allows treble damages under Texas Financial Code 392. Final amount will be calculated prior to lien and notice given to you by invoice, per your agreement by your silence as stated. Per your failure, refusal and/or silence, this Conditional Acceptance becomes the security agreement under commercial law, or in the alternative, you agree by your default and dishonor to accept a Bill of Exchange to discharge the presentment as used in the current ordinary course of business. (See ******* v ***************************, 598 N.W. 2d 851 (1991), 39 U.C.C. 2d 851)
  Due to the time sensitive nature of this private matter, under necessity, you are to respond with Proof of Claim within 10 days by certified-priority-return-mail to the address below.
  
  Should you fail or refuse to provide Proof of Claim within the time specified in this private matter, a Notarial Protest may be exercised (performed) pursuant to your initial default.
  
  If your offices are able to provide the proper documentation as requested in the following Conditional Acceptance, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist by telephone at home and @ work. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with a legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or unverifiable. If your offices fail to respond to this verification request within 10 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. If item is permanently deleted forgiven, and not sole to a third party. I will waive all rights to litigation.
  
  If you transfer this account to an attorney without providing proof of claims/contract, he will be immediately be reported to the ********************* and *************************** for code of ethics violations Be advised also, that while an account is in dispute you must place the rating on hold. Continuing to report a disputed debt is a direct violation of the ****, Due Process Rights, and the ***** and will not be tolerated.
  
  Sincerely,
  
  P.S. Please also fill out the attached Wireless Plan Checker under the Freedom of Information ACT.
  _______________________________
  Authorized Representative
  Under Penalty of Perjury
  JEFFERSON CAPITAL SYST ***** M. ******, President/CEO
  
  CC to: Attorney General of Texas Better Business Bureau-************************(***), CRC-240, **************** *****, ******************************,************************************, U.S. **** of The **************************************** ************************************************************************************************
  
  JEFFERSON CAPITAL SYST ***** M. ******, President/CEO- VERIZON
  
  The Freedom of Information Act 5 U.S.C. 552. As Amended By Public Law No. *******, 110 Stat. 3048
  
  Name of Calling Plan: ____________________
  Plan cost = $___ per mo.
  Estimated Taxes/Fees/Surcharges: = $___ per mo.
  Contract Termination Fees:
  Carrier Early Term/per phone = $______
  Dealer/Agent Early Term/per phone = $______
  Cancellation Period(s):
  (Maximum number of days you have to cancel the plan)
  Dealer/Agent: __ days
  Carrier: __ days
  Contract Length: __ One Year __ Two Years
  Costs Per Minute:
  #. Anytime Minutes per month: ___
  #. Night/Weekend minutes per month:___ Hrs: _:_ PM TO _:_ AM
  Cost of additional minutes: ____ Per Minute
  Roaming Charges: ____ **************************to-Mobile:
  In-Network Only __ Yes __No
  # of minutes = _____ __ Unlimited minutes
  Internet Use (downloads ringtones, data, music, etc.)
  Subscription = $______ per mo.
  __ Opt-In __ Opt-Out __ Internet blocked
  Text Messaging:
  Sending/Receiving = __ per message
  __ Blocked __ Not Blocked
  
  International Calling: (verify rates with carrier before calling)
  Country: ___________ $___ per month @ ___ per min.
  International roaming rate = ___ per minute
  Block International calls? __ Yes __ No
  Monthly Insurance: __ Yes __No
  Cost is $ _______ per mo. with a deductible of $_____
  (Replacement phones may be refurbished comparable models.)
  Carrier Rebate:* __ Yes __No Amount: $_____
  Deadline to apply for rebate expires on: __/ __/ __
  Dealer Rebate:* __ Yes __No Amount: $_____
  Deadline to apply for rebate expires on: __/ __/ __
  Rebate will be paid by company before: __/ __/ __
  Manufacturer Rebate:* __ Yes __No Amount: $_____
  Deadline to apply for rebate expires on: __/ __/ __
  Rebate will be paid by company before: __/ __/ __
  
  - Any changes you request for your plan may extend the contract
  another 1-2 years yes or no
  - Cancellation prior to end of contract will result in early termination fees ___yes or ___no
  .
  NOTICE AND OPPORTUNITY TO CURE
  Failure of responding shall be deemed as agreement with the facts stated in the affidavit in support, hereto attached, mandating the immediate carrying out of the requests delineated above. Failure by you or your agents to respond, in order to maintain the honor bestowed by said draft, mandates that lawful protest declare your dishonor. Your response must be in affidavit form, under your full commercial liability, rebutting each of our points, on a point-by-point basis, that the facts contained therein, are true, correct, complete and not misleading. Declarations are insufficient, as declarations permit lying by omission, which no honorable draft may contain.
  
  NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT
  NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL
  Applicable to all successors and assigns
  Silence is Acquiescence
  
  STATE OF ____________________)
  ) ss.
  COUNTY OF __________________ )
  On the ____ day of the ____ month, of the _____ year, before me,
  
  My commission expires ___________________ _____________________
  Notary Public Signature
  Seal:
  
  *****
- 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: 04/11/2025
April 11, 2025

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

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

Dear BBB Accreditation Team:

Jefferson Capital Systems, LLC appreciates the opportunity to address *********** ******* concerns regarding the above-referenced matter. We understand these matters are stressful, and we strive to treat every person with respect and dignity. Our office reviewed *********** ******* correspondence and our file notes.

Jefferson Capital will respond directly to *********** ****** via U.S. 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.

Jefferson Capital Systems, LLC appreciates the Better Business Bureaus assistance in addressing this complaint. If I may be of further assistance, please feel free to contact us.

Sincerely,

Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
Initial Complaint
Date:04/03/2025
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.
Jefferson Capital Systems, LLC ("Jefferson Capital") has inaccurately reported and continues to inaccurately report derogatory information to my credit file regarding an alleged debt originally associated with ******* Wireless, referenced by JCS Reference #********** and Account #***************. Jefferson Capital consistently misidentifies this account under the incorrect name "Xanthalynne *******," which is not my correct legal name. This fundamental error in identity has persisted despite prior attempts at correction.Moreover, this account has been paid in full long ago, yet Jefferson Capital continues to report this debt inaccurately and unlawfully. Such erroneous reporting has severely damaged my creditworthiness, affecting my ability to secure housing, financing, and other opportunities dependent on accurate credit reporting..- Incorrect Identification: Continual reporting under an incorrect name, "Xanthalynne *******," despite clear evidence of correct identity.- False Debt Reporting: Persistent reporting of an unpaid balance, despite proof the account was satisfied in full.- Failure to Correct Errors: Refusal or negligence in correcting misinformation after being provided notice and verification that the debt was resolved Jefferson Capitals inaccurate and reckless reporting is a clear violation of the Fair Credit Reporting Act (15 U.S.C. 1681 et seq.) which mandates accuracy in the reporting of consumer credit information.
Customer Answer
Date: 04/03/2025
1) AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU

I, Xantha *******, 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)_________________
  
  *****
- 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: 04/11/2025
April 11, 2025

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

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

Dear BBB Accreditation Team:

We appreciate the service provided by the Better Business Bureau and its assistance in forwarding this complaint to our attention. Jefferson Capital Systems, LLC understands these matters can be stressful, and we strive to treat every person with respect and dignity.

To address the complaint, Jefferson Capital will contact ****** ******* directly via U.S. mail.Attached is a copy of our response.

Thank you for the opportunity to be of service. Please contact us with any further questions.

Sincerely,

Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
Initial Complaint
Date:04/02/2025
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 received correspondence from Jefferson *********** that if I paid them ****** then that would settle my account and the debt would be removed from my credit report. I am still receiving texts and phone calls about a debt. Please do as promised and stop calling and texting me.
Business Response
Date: 04/10/2025
April 10, 2025

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

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

Dear BBB ************************************* appreciates the opportunity to address La **** ******* concerns regarding the above-referenced matter. Jefferson Capital understands these matters can be stressful, and we strive to treat every person with respect and dignity. We reviewed La **** ******* correspondence and our file notes.

Jefferson Capital will respond directly to La **** ******* via U.S. mail to attempt to resolve this matter. Attached is a copy of our response.

We appreciate the service provided by the Better Business Bureau and its assistance in resolving this complaint. If we may be of further assistance, please feel free to contact us.

Sincerely,

Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
Initial Complaint
Date:03/29/2025
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 debit with( COLLECION Agency:JEFFERSON CAPITAL SYST acct# ***********, i do not have a contract with (COLLECION Agency; JEFFERSON CAPITAL SYST acct# ***********. they did no provide me with the original contract as i requested. This company is violating my consumer righ TO PRIVACY PURSUANT 15 USC 1681B (2) and 15 U.S Code 1681i(a) FCRA and , Fair Debt Collection Practices Act(FDCPA) 15 USC 1692g sec.809(8).. , {15 U.S.C. 1692k(d) [(******** v. *****, 589 U.S. ___, 140 S. Ct. 355 (2019)Absent the application of an equitable doctrine, such as fraudulent concealment, the ****** one-year statute of limitations begins to run on the date the alleged violation occurs, not when it is discovered.]} Other Legal Precedent or Case Law (****** *. *******, ************** (Ind. **. App. 2001), (****** v. ********** of *******, 626 F. Supp. 2d 1068 (S.D. **** 2009)) and (Camacho v. *************************, 430 F.3d 1078 (9th Cir. 2005))
Customer Answer
Date: 03/30/2025
1) AUTHORIZATION FOR RELEASE OF INFORMATION TO THE BETTER BUSINESS BUREAU

I, Argelio ****, 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)_________________
  
  *****
- 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: 04/10/2025
April 10, 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. 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.

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:03/28/2025
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 systems shows that I have a $473.00 collection on my credit report. This debt is not mine because I have no knowledge of opening any accounts with Klarna. They have failed to send me any documentation providing proof that this account belongs to me or that I have entered into any formal contract with them or with the original creditor, Klarna. They have not contacted me to let me know any information on this debt. I requested this information on May, ******* and have not received anything back from them. This collection is negatively affecting my credit score and I would like it removed as it does not belong to me. I did not open any accounts with ********************** or Klarna. I have provided an email showing that I emailed them asking for information or for them to have this removed from my credit report.
Customer Answer
Date: 03/28/2025
Reference number is 997524892. I have the reason why I do not believe this is my debt in the complaint. I do not believe this is my debt because I do not and I have not had an account with Klarna or Jefferson state capital in the amount of $473.00. I have not made any purchases through these websites. I do not have any documents or anything showing that I have made purchases with either of these companies. The email asking the creditor for documents is already attached to the complaint but I have it attached here as well. Thank you.
Business Response
Date: 04/04/2025
April 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:03/28/2025
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.
To Whom It May Concern,I am writing to formally dispute several items listed on my credit report under your agency's name. I am a victim of financial abuse and have recently discovered accounts on my credit report that I do not recognize. I request that you validate the following debts under the Fair Debt Collection Practices Act (FDCPA) and provide written proof of their legitimacy. If the debts cannot be verified, I request their immediate removal from my credit report." I then took time to also list any addresses or names that were incorrectly reported as well.I never had a contract with this debt collector for any debt.
Business Response
Date: 04/04/2025
Please see the attached response. Thank you.

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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.

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Jefferson Capital Systems, LLC is BBB Accredited.