Jefferson Capital Systems, LLC

Initial Business Response / [redacted] (1000, 5, 2015/07/10) */ July 10, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC, Account # [redacted] Debt Description: [redacted] Credit Card Visa Case # [redacted] Dear Mr [redacted] : We acknowledge receipt of your correspondence sent on behalf of Ms [redacted] concerning her account referenced above We regret the difficulties Ms [redacted] experienced in her attempts to contact our Account Support team and appreciate the opportunity to address the matterOur Account Support is available for calls between a.mand p.m., Central Time, and reaching a representative will depend on the volume of calls at the particular time she contacts usTo assist Ms [redacted] , we do have the option to schedule payments to be drafted each month for up to six months rather than for her to call each monthPayments can also be sent through the mail to the following address making sure Ms [redacted] includes her 10-digit account number on the payment instrumentHer bank statement reflecting the payment being drafted is her receipt of payment; we do not send statements Jefferson Capital Systems [redacted] StLouis, MO 63195- We appreciate the opportunity to address her concerns and appreciate her willingness to remit payment for the account Sincerely, Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted]

June 20, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] *** Jefferson Capital Systems, LLC Account Number: [redacted] Original Creditor: [redacted] 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] account and balance of $13,on or around August 4, This account is for a Jeep Compass We have no record of receiving a written request for validation of this debt from Ms*** Pursuant to her request, enclosed is a copy of the Simple Interest Retail Installment Contract In order to resolve the credit bureau dispute we are requesting the credit bureaus delete our trade line from her credit file Additionally, we are willing to accept $6,(50% of the balance) as full and final satisfaction of this account, payable in monthly payments of $343.92, with the first payment being due on July 20, and on the 20th of each month following Ms [redacted] should contact us at the telephone number listed below to schedule payment arrangements 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:

Initial Business Response / [redacted] (1000, 5, 2016/02/04) */ February 4, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC, Account Number: [redacted] Original Creditor: [redacted] Case # [redacted] Dear Mr [redacted] : We are in receipt of your correspondence sent on behalf of [redacted] concerning the above-referenced account The [redacted] account was opened in October and charged off for collections in September Jefferson Capital Systems, LLC, purchased the account and balance of $in December We have no record of receiving a written request for validation of this debt from Mr [redacted] To resolve this matter, we have terminated collection efforts and are requesting the credit bureaus to delete our trade line from his credit fileThis 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 [redacted] Initial Consumer Rebuttal / [redacted] (2000, 7, 2016/02/05) */ (The consumer indicated he/she ACCEPTED the response from the business.) I accept this responseIt is a just and equitable decision

June 6, 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 $1,on or around March 31, Based on Ms***’s previous correspondence requesting validation of this debt, a letter was sent May 31, 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 ###-###-####

March 8, Mr [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 Mr***: We are in receipt of your correspondence sent on behalf of [redacted] concerning the above-referenced account Jefferson Capital Systems, LLC acquired the above-referenced account, reflecting a balance of $1,875.95, on or about December 30, A Right to Dispute letter was sent to Mr [redacted] on April 21, Based on his dispute and to resolve this matter, we have terminated collection efforts 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 ###-###-####

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 Ms [redacted] concerning the above-referenced account Jefferson Capital Systems, LLC acquired the [redacted] account with a balance of $2,on or about October 12, In order to resolve Ms [redacted] ’s dispute, we have terminated further collection efforts and closed our file We have also notified the bureaus to delete our trade line This letter will confirm this account will not be sold or transferred Thank you for the opportunity to respond Sincerely, Kathy [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector Phone: ###-###-####

[redacted] April 6, 2016Mr [redacted] Revdex.com S River Ridge CircleBurnsville, MN 55337Re: [redacted] Jefferson Capital Systems, LLC, Account # [redacted] Debt Description: [redacted] .com Complaint ID: [redacted] Dear Mr [redacted] :We are in receipt of your correspondence sent on behalf of Mr [redacted] concerning the account referenced above.Our records indicate the [redacted] account was opened in November and charged off in July Jefferson Capital Systems, LLC, purchased the account in January with the balance of $ Enclosed please find a copy of the statement provided by [redacted] pertaining to the balance In a recent telephone call to our office, Mr [redacted] stated he has no knowledge of the account and has filed a police report In consideration of the claim of fraud, we have closed our file and terminated collection efforts We are also requesting the credit bureaus to delete our trade line from Mr [redacted] ’s credit bureau file.We appreciate the opportunity to respond.Sincerely,Shirley ***Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####Enclosure:

September 1, Ms [redacted] Revdex.com S River Ridge CircleBurnsville, 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 March 20, A Right to Dispute letter was sent on April 7, Based on Ms [redacted] ’ dispute and to resolve this matter, we have terminated collection efforts and have requested the 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 serviceSincerely, Kathy ***Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####

May 30, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, 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 Mr [redacted] on May 30, Mr [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 service Sincerely, Kathy [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

July 12, Ms [redacted] Revdex.com S River Ridge CircleBurnsville, MN Re: [redacted] Complaint ID#: [redacted] Dear Ms [redacted] : We are in receipt of your correspondence sent on behalf of [redacted] We are unable to locate an account for Ms [redacted] with the information she has provided Based on her dispute, we have placed the telephone number she provided of ###-###-#### on our Do-Not-Call list If Ms [redacted] is receiving calls at another number, she will need to provide the telephone number so we may further investigate this materThank you for the opportunity to be of serviceSincerely, Kathy ***Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####

August 25, 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] Jefferson Capital Systems, LLC acquired the [redacted] account and balance of $on or around January 14, Based on Mr [redacted] ’ stated dispute, we have terminated collection efforts and requested the credit bureaus delete our trade line from his 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 ###-###-####

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.Please have Jefferson provide confermation of this via email or mail for my files.Thank you [redacted]

Iam rejecting this response because: Jefferson Capital fail to mention the re sell to another collection agencyThey are agreeing to delete the tradeline but in the latter paragraph it states a settlementI demand Jefferson Capital delete the tradeline & NOT resell the account to another agencyIm aware of the Texas state laws that are right with the FDCPACan Jefferson Capital be clear because Im under the assumption the will delete the account but sale by balance to another agencyI will Accept the Response on terms of Full deletion & Not resell the debt If debt is resold then I will file an immediate dispute

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.I also had requested it not be sold again

January 11, Ms [redacted] Revdex.com S River Ridge CircleBurnsville, 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 January 11, 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 serviceSincerely, Kathy ***Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####

August 17, Ms [redacted] Revdex.com S River Ridge CircleBurnsville, 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] Jefferson Capital Systems, LLC acquired the [redacted] account and balance of $5,on or around October 7, This account is for a Lexus LS Although a balance remains, based on Mr [redacted] ’ dispute, we have terminated collection efforts and have requested the credit bureaus delete our trade line from his credit file This letter will confirm this account will not be sold or transferred Thank you for the opportunity to be of serviceSincerely, Kathy ***Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####

August 4, Ms [redacted] Revdex.com S River Ridge CircleBurnsville, MN Re: [redacted] [redacted] Jefferson Capital Systems, LLC Account Number: [redacted] Debt Description: [redacted] Direct Marketing 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] Direct Marketing account and balance of $on or around July 15, 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 transferredThank 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, 6, 2015/08/06) */ August 6, 2015 Mr. [redacted] RevDex.com 220 S River Ridge Circle Burnsville, MN 55337 Re: [redacted] ( [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 $233.01 in March 2015. Pursuant to Mr. ***' request, [redacted] has provided the Billing Statements with regard to the balance and they are being sent to him under separate cover. In response to his dispute, we have closed our file and terminated collection efforts. We are also notifying the credit bureaus to delete our trade line from his credit bureau file. Please allow the credit bureaus 30 days to update their records. We appreciate the opportunity to respond. Sincerely, Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted] Enclosure:

March 27, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] / ID [redacted] Dear Mr***: We acknowledge receipt of your correspondence sent on behalf of Mr [redacted] concerning information that is reflected on his credit bureau report We are unable to verify the account Mr [redacted] is writing about based on the information provided in the correspondence we received To enable us to identify the account, we ask that Mr [redacted] provide us with a copy of his credit bureau report reflecting a Jefferson Capital Systems, LLC trade line This information can be mailed to the following address: Jefferson Capital Systems, LLC, Attn: Consumer Relations, [redacted] StCloud, MN Thank you for the opportunity to respond Sincerely, Sharon [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector Phone: ###-###-####

Initial Business Response / [redacted] (1000, 5, 2015/09/30) */ September 30, 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 [redacted] account Jefferson Capital Systems, LLC purchased the [redacted] account in February and the balance is currently $1,Our records indicate a settled in full agreement was entered into by Mr [redacted] in April with usHowever, to resolve his dispute, we have terminated collections and a refund of the previous payments we received totaling $is being sent to Mr [redacted] under separate cover 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]