Jefferson Capital Systems, LLC

June 16, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC Account Number: [redacted] Original Creditor: [redacted] Wireless Complaint ID#: [redacted] Dear Ms [redacted] : We are in receipt of your correspondence sent on behalf of [redacted] Jefferson Capital Systems, LLC acquired the [redacted] Wireless account and balance of $on or around October 12, and subsequently placed with Diversified Consultants, Incfor collection efforts Based on Ms [redacted] ’s dispute and to resolve this matter, we have recalled the account, terminated collection efforts and requested the credit bureau to delete our trade line from her credit file Thank you for the opportunity to be of service Sincerely, Kathy [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

March 1, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] / ID [redacted] Jefferson Capital Systems, LLC account number: [redacted] Debt Description: [redacted] Wireless Dear Ms [redacted] : We acknowledge receipt of your additional correspondence sent on behalf of Ms [redacted] concerning the above-referenced account On February 21, 2018, a letter was sent to Ms [redacted] offering resolution to the matter Unfortunately, Ms [redacted] has not allowed enough time to receive our response Attached is a copy of our response We believe the actions referenced in that letter have resolved the matter satisfactorily Thank you for the opportunity to respond Sincerely, Sharon [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector Phone: ###-###-#### Attachment:

Initial Business Response / [redacted] (1000, 5, 2015/08/18) */ August 18, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC, Account # [redacted] Debt Description: [redacted] Case # [redacted] Dear Mr [redacted] : We acknowledge receipt of your correspondence sent on behalf of Mr [redacted] concerning the account referenced above Jefferson Capital Systems, LLC, purchased the [redacted] account and balance of $in June According to our records, Mr [redacted] telephoned on three separate occasions; July 30th, August 11th, and August 12thIn the initial call, Mr [redacted] was provided with the fax number to request written validation of the debt and in the second call, he stated he would remit payment if the account was removed from his credit bureau fileDuring the August 12th call, he again requested the trade line be deleted and was also advised to send his request for validation of the debt in writingEnclosed please find reprints of Mr [redacted] 's billing statements from July to January Although we disagree with the merits of his dispute, as a courtesy, we have closed our file and terminated collection effortsAdditionally, we are notifying the credit bureaus to delete our trade line from his credit bureau filePlease allow the credit bureaus days to update their records We appreciate the opportunity to clarify our position in this matter Sincerely, Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted] Enclosure: Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/08/25) */ (The consumer indicated he/she DID NOT accept the response from the business.) I am asking that this debt not be sold or transferred in addition to the abovePlease adviseThank you Final Consumer Response / [redacted] (2000, 11, 2015/08/27) */ (The consumer indicated he/she ACCEPTED the response from the business.) I accept the responseThank you Final Business Response / [redacted] (4000, 9, 2015/08/27) */ August 27, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC, Account # [redacted] Debt Description: [redacted] Case # [redacted] Dear Mr [redacted] : We acknowledge receipt of your additional correspondence sent on behalf of Mr [redacted] concerning the account referenced above This communication confirms the [redacted] account will not be sold or transferred and our file is closed and collection terminated Thank you for the opportunity to reply Sincerely, Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted]

April 24, Mr [redacted] ***Revdex.com S River Ridge CircleBurnsville, MN Re: [redacted] Complaint ID#: [redacted] Dear Mr***: We are in receipt of your correspondence sent on behalf of [redacted] This letter will confirm we have responded directly to Ms [redacted] on April 24, Ms [redacted] should allow 7-days to receive our response We believe the actions referenced in that letter have resolved this matter to the customer’s satisfaction Attached is a copy of our response Thank you for the opportunity to be of serviceSincerely, Kathy ***Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####

Initial Business Response / [redacted] (1000, 5, 2016/02/12) */ February 12, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC, Account Number: [redacted] Debt Description: [redacted] Case # [redacted] Dear Mr [redacted] : We are in receipt of your correspondence sent on behalf of [redacted] concerning the above-referenced account Jefferson Capital Systems, LLC, acquired the [redacted] account in January This account was placed with [redacted] in April for collection efforts and a judgment was entered against Miss [redacted] on January 11, in King County District Court, West Division After further research with [redacted] they have confirmed there currently is no garnishment against Miss [redacted] Any further communications or questions should be directed to [redacted] by calling Jana [redacted] at [redacted] or via the mail at [redacted] , Lynnwood, WA Thank you for the opportunity to be of service Sincerely, Kathy [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted]

February 15, 2017 Ms. [redacted] RevDex.com 220 S River Ridge Circle Burnsville, MN 55337 Re: [redacted] ... Jefferson Capital Systems, LLC Account Number: [redacted] Debt Description: [redacted] Wireless Complaint ID#: [redacted] Dear Ms. [redacted] : We are in receipt of your correspondence sent on behalf of [redacted] . Jefferson Capital Systems, LLS acquired the [redacted] Wireless account and balance of $977.88 on or around June 7, 2016. Although a balance remains on the account, to resolve this matter we have terminated collection efforts and are requesting the credit bureaus delete our trade line from his credit file. Thank you for the opportunity to be of service. Sincerely, Kathy [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

Initial Business Response / [redacted] (1000, 5, 2015/09/11) */ September 11, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC, Account # [redacted] Debt Description: [redacted] Case # [redacted] Dear Mr [redacted] : We are in receipt of your correspondence sent on behalf of Mrs [redacted] concerning her [redacted] account Jefferson Capital Systems, LLC, acquired the [redacted] account and balance of $in July According to our records, the account was not included in the FTC action referenced in her correspondenceAs a courtesy and to resolve this matter, however, we have closed our file and terminated collection effortsWe are also notifying the credit bureaus to delete our trade line from her credit bureau file Thank you for the opportunity to address Mrs [redacted] 's concerns Sincerely, Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted]

May 23, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC, Account # [redacted] Debt Description: Fingerhut Direct Marketing Complaint ID: [redacted] Dear Mr [redacted] : We are in receipt of your correspondence sent on behalf of Ms [redacted] concerning the account referenced aboveJefferson Capital Systems, LLC, acquired the Fingerhut Direct Marketing account on or around January 14, with a balance of $1, In researching the matter with Fingerhut Direct Marketing, they advised validation of the debt was sent to Ms [redacted] in September and that no disputes were received regarding the account In February 2016, we placed the account with Nations Recovery Center (NRC) for collection efforts on our behalf In researching the matter with NRC, we were advised they spoke with Ms [redacted] on May 18th and she agreed to a reduced monthly payment Although a balance remains due, to resolve this matter, we have recalled the account from NRC, closed our file, and terminated collection action We are also requesting the credit bureaus to delete our trade line from her credit bureau file This letter confirms the account will not be sold or transferredWe appreciate the opportunity to address the matterSincerely, [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector 866-516-

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me.However I do want to confirm that this debt will not be sold to another agency I did receive a letter from a third party collecting on behalf of Jefferson Capital

March 2, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC Account Number: [redacted] Debt Description: [redacted] Complaint ID#: [redacted] Dear Ms [redacted] : We are in receipt of your correspondence sent on behalf of [redacted] This letter will confirm we have responded directly to Ms [redacted] on March 2, Ms [redacted] should allow 7-days to receive our response We believe the actions referenced in that letter have resolved this matter to the customer’s satisfactionI have attached a copy of our response Thank you for the opportunity to be of service Sincerely, Kathy [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

July 7, Revdex.com Attention: [redacted] SRiver Ridge Circle Burnsville, MN Re: [redacted] / Your ID [redacted] Jefferson Capital Systems, LLC account number: [redacted] Debt Description: [redacted] Wireless Dear Ms [redacted] : We acknowledge receipt of your correspondence sent on behalf of [redacted] concerning the above-referenced account Jefferson Capital Systems, LLC acquired the [redacted] account and balance of $on or about March 31, Under separate cover we are writing directly to [redacted] and are providing four billing statements from [redacted] as verification of the debt A review of the statements show that the billing address matches the address on [redacted] ’ complaint to your office and show that [redacted] provided service to the phone number ###-###-####, which is listed on the complaint you received as [redacted] ’ daytime phone Although we disagree with the merits of [redacted] ’ complaint, we have notified the bureaus to delete our trade line We have also included in our response an offer to accept 50% of the balance of $in satisfaction of the debt Thank you for the opportunity to respond Sincerely, Kathy [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector Phone: ###-###-####

March 9, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC Account Number: [redacted] Debt Description: [redacted] Wireless Complaint ID#: [redacted] Dear Ms [redacted] : We are in receipt of your correspondence sent on behalf of [redacted] Jefferson Capital Systems, LLC acquired the [redacted] Wireless account and balance of $on or around October 12, Payment of $was received on January 6, 2007, which resulted in the account being settled in full and reported to the credit bureaus as such /In response to Mr [redacted] ’s stated dispute, to resolve this matter are requesting the credit bureaus delete our trade line from Mr [redacted] ’s credit file Thank you for the opportunity to be of service Sincerely, Kathy [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

July 19, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC Account Number: [redacted] Debt Description: [redacted] Wireless Complaint ID#: [redacted] Dear Ms [redacted] : We are in receipt of your correspondence sent on behalf of [redacted] Jefferson Capital Systems, LLC acquired the [redacted] Wireless account and balance of $1,on or around February 1, Pursuant to Ms, [redacted] ’ request for validation of this debt, enclosed is a copy of her final [redacted] Wireless billing statement Based on her dispute and to resolve this matter, we have terminated collection efforts and requested the credit bureaus delete our trade line from her credit file This letter will confirm this account will not be sold or transferred Thank you for the opportunity to be of service Sincerely, Kathy [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-#### Enclosure:

September 1, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC Account Number: [redacted] Debt Description: [redacted] Wireless Complaint ID#: [redacted] Dear Ms [redacted] : We are in receipt of your correspondence sent on behalf of [redacted] Jefferson Capital Systems, LLC acquired the [redacted] Wireless account and balance of $on or around August 3, Payment of $was received on August 7, which satisfied the balance This letter will confirm we have notified the credit bureaus to delete our trade line from Mr [redacted] ’s credit file Thank you for the opportunity to be of service Sincerely, Kathy [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

May 24, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC Account Number: [redacted] Original Creditor: [redacted] Wireless Complaint ID#: [redacted] Dear Ms [redacted] : We are in receipt of your correspondence sent on behalf of [redacted] Jefferson Capital Systems, LLC acquired the [redacted] Wireless account and balance of $on or around December 5, Based on Ms [redacted] ’s dispute and to resolve this matter, we have terminated collection efforts and requested the credit bureaus delete our trade line from her credit file This letter will confirm this account will not be sold or transferred Thank you for the opportunity to be of service Sincerely, Kathy [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

January 13, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC Account Number: [redacted] Debt Description: [redacted] Wireless Complaint ID#: [redacted] Dear Ms [redacted] : We are in receipt of your additional correspondence sent on behalf of [redacted] Thank you for advising us that upon reviewing the billing statements we sent copies of documenting the charges on Ms [redacted] ’s account, she feels the charges she incurred from [redacted] Wireless for early termination were not assessed correctly As our letter of January 4, indicated, in order to resolve this matter we have terminated collection efforts This letter confirms the credit bureaus have deleted/suppressed the Jefferson Capital Systems, LLC trade line from her credit file Thank you for the opportunity to be of service Sincerely, Kathy [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

December 8, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC Account Number: [redacted] Debt Description: [redacted] Wireless Complaint ID#: [redacted] Dear Ms [redacted] : We are in receipt of your correspondence sent on behalf of [redacted] This letter will confirm we have responded directly to Ms [redacted] on December 8, Ms [redacted] should allow 7-days to receive our response We believe the actions referenced in that letter have resolved this matter to the customer’s satisfaction Thank you for the opportunity to be of service Sincerely, Kathy [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

January 27, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC Account Number: [redacted] Debt Description: [redacted] Wireless Complaint ID#: [redacted] Dear Ms [redacted] : We are in receipt of your correspondence sent on behalf of [redacted] Jefferson Capital Systems, LLC acquired the [redacted] Wireless account and balance of $on or around June 5, We have no record of receiving a previous dispute from Mr [redacted] concerning this account To resolve this matter, we have terminated collection efforts and are requesting the credit bureaus delete our trade line from his credit file Thank you for the opportunity to be of service Sincerely, Kathy [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

Initial Business Response / [redacted] (1000, 5, 2015/12/07) */ December 7, 2015 RevDex.com Attention: [redacted] 220 S. River Ridge Circle Burnsville, MN 55337 Re: [redacted] / Case number [redacted] Jefferson Capital Systems, LLC account number: [redacted] Our Client:... [redacted] Debt Description: [redacted] Dear Mr. [redacted] : We acknowledge receipt of your correspondence sent on behalf of Mrs. [redacted] concerning her above-referenced account. Mrs. [redacted] 's above-referenced account was placed with Jefferson Capital Systems, LLC for collections by our client in January 2015. On November 18, 2015, Mrs. [redacted] settled her account for less than the full balance. Pending verification of funds, a letter confirming the settlement was sent on December 2, 2015. Jefferson Capital Systems, LLC, has not reported any information regarding the account to the credit bureaus. However, our client will be notified of the settlement so that they may update their records accordingly. Thank you for the opportunity to respond. Sincerely, Sharon [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector Phone: (866) [redacted] Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/12/07) */ (The consumer indicated he/she DID NOT accept the response from the business.) As of 12/07/2015 I have yet to receive any settlement notification per the promise of Jefferson on two separate occasions. Additionally Jefferson is now reporting the the Credit Bureaus that I have an outstanding debt of $161 with the debt was settled and paid in full in one transaction according to that settlement agreement. I have now had to hire an attorney to fight for the removal and correct reporting as I am in the process of attempting to purchase a home. This is ridiculous. Final Business Response / [redacted] (4000, 9, 2015/12/17) */ December 17, 2015 RevDex.com Attention: [redacted] 220 S. River Ridge Circle Burnsville, MN 55337 Re: [redacted] / Case number [redacted] Jefferson Capital Systems, LLC account number: [redacted] Our Client: [redacted] Debt Description: [redacted] Dear Mr. [redacted] : We acknowledge receipt of your additional correspondence sent on behalf of Mrs. [redacted] concerning her above-referenced account. As stated in our letter dated December 7, 2015, confirmation of the settlement was sent to Mrs. [redacted] on December 2, 2015. We trust by now she has received the letter. Jefferson Capital Systems, LLC, has not reported any information to the credit bureaus regarding this account we were handling on behalf of our client, [redacted] . Please note that if Mrs. [redacted] 's trade line for the reported account reflects a company other than Jefferson Capital Systems, LLC, we suggest that she dispute the trade line directly with the bureaus, as Jefferson Capital Systems, LLC has no control over their reporting decisions. A copy of this complaint and our response is being forwarded to [redacted] . Thank you for the opportunity to respond. Sincerely, Sharon [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector Phone: (866) [redacted]

Initial Business Response / [redacted] (1000, 5, 2015/05/12) */ May 12, 2015 RevDex.com Attention: [redacted] 220 S. River Ridge Circle Burnsville, MN 55337 Re: [redacted] / Case number [redacted] Jefferson Capital Systems, LLC account number: [redacted] Debt Description:... [redacted] Dear Mr. [redacted] : We acknowledge receipt of your correspondence sent on behalf of Mrs. [redacted] concerning the above-referenced account. Jefferson Capital Systems, LLC purchased the [redacted] card account and balance of $998.77 in September 2009. Since our acquisition, no additional charges have been added to the account. Although Mrs. [redacted] 's account is being accurately reported, to resolve her dispute, we are notifying the bureaus to delete our trade line from her credit file. Thank you for the opportunity to respond. Sincerely, [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector Phone: (320) [redacted]