Complaint / Review
Jefferson Capital
Collector Refused Proof of Providian Account Before Payoff Offer

I received a phone call from this company telling me they had bought an account from Providian National Bank on a Visa card that I had. They offered me the 'pay off' deal and when I asked them for verification of this account, i.E., a copy of the application bearing my signature, the amount that I owed and the charges I made, they refused.
They claimed that they had already mailed this info to me - NOT!

This 'charge' is on my credit and I am in the process of trying to get loan approval for a home.

I also have the same problem with RJM - they are stating that I owe for some books that I never received.
What should I do???