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JEFFCAPSYS in credit report

Submitted by Jessi on Fri, 03/03/2006 - 18:01
Posts: 3361

Anyone know anything about these guys?

They are collection for Aspire Visa, and it's not showing as closed...But I've been paying Midland for Aspire...

Last reported date is 6/05, opened 7/04

Speaking of Midland, here is something weird...

It says it opened 6/05..last reported 1/2004...Must have a time machine...

I haven't heard of them...but you can dispute this on your credit report. Is Midland showing on your report as well as JEFFCAPSYS? I take it that they are since you know the dates of them being opened and last reported. You can tell the credit bureau that you're already paying to midland on this account and they can't have two agencies reporting on the same account at the same time. They will have to remove Jeffcapsys.
With it saying that it opened 6/05, that makes me think that maybe its been renewed??? or else they have the numbers reversed. Who knows, I have some screwy numbers on my report too. The date of last payment and the date of the last activity are never the same. I took it that my LAST payment WAS my last activity!! LOL but I guess it means the last activity from the creditors? You almost have to speak another language to figure some of this out sometimes.

Submitted by imkimssister on Fri, 03/03/2006 - 18:18


( Posts: 1301 | Credits: )

You should dispute it (seems Jessi forgot to sign in, lol). One account cannot be reported by multiple creditors and collection agencies. Dispute it with bureaus. Hopefully they will remove this entry after running an investigation.

Since you are paying to Midland for this debt, you need not worry any more. Keep the records of your payment and ask them to update your credit file once it is paid in full. Keep us posted.

Submitted by stanley on Sat, 03/04/2006 - 13:13


( Posts: 1639 | Credits: )


You can go through the e-book ???debt consolidation Sample Letters For Free??? here and collect one that suits your need-

Or browse this list of sample letters and get one for you-

Don't forget to send your letter through certified mail with return receipt requested. Credit bureaus are supposed to respond to your letter within 30 days. Keep us posted.

P.S. Nice avatar ;)

Submitted by stanley on Sat, 03/04/2006 - 15:10


( Posts: 1639 | Credits: )

Yeah, I keep forgetting to sign I'm a goof.

I've been looking for contact information for Jeffcapsys, but no luck yet...If anyone runs into anything let me know..I'll let you know when I find it.

Until tomorrow though, I need to get to sleep...Rough work day today..Great day for commission, but hard day on my

Submitted by Jessi on Sat, 03/04/2006 - 19:01


( Posts: 3361 | Credits: )

Well, here's something to do with another collection agency. My hubby received a call regarding an old debt that was paid to the orginal creditor over two years ago. We have the bank statement and cancelled check to prove this fact. SO, this dingy CA calls yesterday morning wanting to make payment arrangments. Hubby just gives me the phone now. LOL! I said I sent a debt validation letter to them over a month ago which included the cease and desist part not to call at home or work. I get "we never received" it. I said I had the green signature card stating your company received it and not to call. All correspondence had to be handled through the mail. Then he tries to change the fdcpa laws on me. LMAO! I said the debt has been paid, not to call, I will file a complaint with the FTC for harassment and then he hung up on me. It gave me a good chuckle and I did file an online complaint against the company with the FTC this morning. It's so nice to know the laws and your rights. :D

Submitted by Cow & Chicken on Sun, 03/05/2006 - 06:23

Cow & Chicken

( Posts: 3571 | Credits: )

I just reciently refinanced my home. My new lender has sent me a check made out to Jeffcapsys for a supposed payoff from an account I had in 2001. There is no address or phone number. I don't even know that I owe them any money. Can someone help with an address or phone number. I'd like to know if I owe this money before I just hand it over.

Submitted by on Sat, 07/14/2007 - 13:04

( Posts: 202330 | Credits: )

I had the same problem you had. Here is what i found out Jeffcapsys AKA Jefferson Capital is midland credit management. Here is the number for jeffcapsys 1-800-281-2793 and midland credit management number is 1-800-935-4566 hope that helps


Submitted by on Tue, 02/26/2008 - 13:09

( Posts: 202330 | Credits: )

I'm in the process of buying a house and then my loan office tell's me that I need to take care of this debt before closing.. It's $583.00. no other info on it but after reading this site I now know that its midland credit management.. I did have them on my credit report for south western bell but it was only for $201.00 which I paid.. So it's looking like I won't be buying a home after all.. :evil:

Submitted by on Wed, 12/24/2008 - 02:30

( Posts: 202330 | Credits: )

no other info besides the name jeffcapsys.....

Submitted by on Wed, 12/24/2008 - 02:32

( Posts: 202330 | Credits: )

it's really weird.. Its like they don't even exsist... I ended up paying them but when i kept calling and asking for a paid in full letter it came from another agency called

Submitted by on Wed, 02/11/2009 - 15:50

( Posts: 202330 | Credits: )

Hey guys just found info you'll love to hear. Having some of the same problems myself.

Jefferson Capital Systems, LLC
16 McLeland Road
St. Cloud, MN 56303

1-800-928-6614 Mon-Thu 8-8 Central, Fri 8-3 Central

Hope it helps just noticed last post was Feb

Submitted by on Mon, 04/27/2009 - 23:37

( Posts: 202330 | Credits: )

Hey try this..I am experiencing difficult a magic number..when they call my real number, I tell them this is Mr. ??'s son..they will always ask for your last four of your SSN...make it up, they left me alone for over a year..and still no calls...

Submitted by on Tue, 11/16/2010 - 13:03

( Posts: 202330 | Credits: )

THIS IS A BOGUS COLLECTION AGENCY THAT BUYS OLD OUT OF STATUE DEBT FOR PENNIES ON THE DOLLAR....MOST LIKELY THEY ARE CALLING YOU ABOUT A DEBT THAT IS NO LONGER VALID BECAUSE THE STAUTUE OF LIMITATIONS HAS PASSED!!!!! They claim to want to help you with their "FRESH START" program but you don't need a fresh start as the debt is old and the statue has passed.....if you make any payment arrangements that will restart the debt so be very careful...Tell them not to call you and hang up!!!!


As discussed in "Zombie debt is hard to kill," there is now a booming market in the pursuit of debts so ancient that they used to be considered uncollectible. This year a whopping $110 billion of such debt is expected to be sold to collection agencies, up from virtually nothing 10 years ago.
Because the old liabilities cost collectors as little as 25 cents for each $100 in face value, companies can make a profit if they can get debtors to repay even a tiny fraction. Along the way, some collectors realized they also could squeeze money from people who didn't even owe it.

Submitted by on Wed, 02/02/2011 - 13:02

( Posts: 202330 | Credits: )