r/Debt • u/beagle_snoopy_09 • 1d ago

Jefferson Capital Systems & Indebted legit?

I had an account at PNC but left the US and never closed my accounts. I had money (not a lot) that probably got deducted across the years and now I owe money. I was notified via email that my account was transferred to Jefferson Capital Systems and now I’m receiving emails from Indebted with discount options to cancel the debt.

I called PNC, they couldn’t authenticate/validate my details as I have no longer a US phone number, also I couldn’t provide the last transaction date and amount (as I left in 2019 and haven’t used those cards since then, they also expired, never renew and I cannot even log into the bank app). I shared my SSN, but that was not enough. They advised to call Jefferson Capital Systems, I did and they confirmed the account was transferred in 2023. They told me to call +1 (800) 364-1895, which I see is associated to Delta Outsource Group and also Indebted.

I only want to get over this, pay the debt and forget about this. Has anyone gone through a similar process? Should I trust the emails I’m receiving from Indebted? The 65% discount is surreal but hey, I would take it.

Please share your experiences, tips, advices or suggestions!

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