We received the same letter- it states we owe money on a PayPal overdraft fee. It's a scam. We reported it to PayPal, Better Business Bureau, Federal Trade Commission, and 3 law firms filing class action lawsuits. Jefferson Capital Systems, founded in 1999, based in St. Cloud, MN, is a legitimate debt collection agency. So some of their work is legitimate/legal, but some is fraudulent- such as this letter claiming we owe money on a PayPal overdraft fee that never existed.
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