Jefferson Capital Systems, LLC

April 14, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC, Account # [redacted] Debt Description: [redacted] Complaint ID: [redacted] Dear Mr [redacted] : We are in receipt of your correspondence sent on behalf of Ms [redacted] concerning the [redacted] accountOur records indicate the [redacted] account was opened in June and charged off in November Jefferson Capital Systems, LLC, purchased the account in February with a balance of $ Enclosed are reprints of the last two billing statements pertaining to the balance We do not show any written or verbal requests for validation of the debt were received Although we show a balance is still due, in order to resolve this matter, we have closed our file and terminated collection action We have also requested the credit bureaus to delete our trade line from Ms***’s credit bureau file This confirms the account will not be sold or transferredWe appreciate the opportunity to be of serviceSincerely, [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted] Enclosure:

Initial Business Response / [redacted] (1000, 5, 2015/07/01) */ July 1, 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 July According to the information provided, the account was opened in September and charged off in April In response to Mr***'s claim the account is not his, we have closed our file and terminated collection efforts This letter confirms Jefferson Capital Systems, LLC, is not reporting any information regarding the account to the credit bureaus We appreciate the opportunity to respond Sincerely, Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted] Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/07/02) */ (The consumer indicated he/she ACCEPTED the response from the business.) The response from Jefferson Capital was swift and without harmI believe this company corrected the situation to any reasonable standard

Initial Business Response / [redacted] (1000, 7, 2015/07/09) */ July 9, Revdex.com Attention: [redacted] SRiver Ridge Circle Burnsville, MN 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 Mr [redacted] concerning the above-referenced account Jefferson Capital Systems, LLC purchased the [redacted] account and balance of $in April To resolve Mr [redacted] 's dispute, we have terminated further collection efforts and closed our fileWe are also notifying the bureaus to delete our trade line from his credit file 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, 13, 2015/07/21) */ The negative information has been deleted from my files but the company did not say they would not resell this debt that I do not oweHow can I get them to say they will? I see they have on many complaints and don't want this problem coming up in the future Final Business Response / [redacted] (4000, 15, 2015/07/23) */ July 23, Revdex.com Attention: [redacted] SRiver Ridge Circle Burnsville, MN Re: [redacted] / Case number [redacted] Jefferson Capital Systems, LLC account number: [redacted] Debt Description: [redacted] Dear Mr [redacted] : We acknowledge receipt of your additional correspondence sent on behalf of Mr [redacted] concerning the above-referenced account This letter confirms that Jefferson Capital Systems, LLC has closed its file on Mr [redacted] 's above-referenced accountThe account will not be sold or reassigned for future collection efforts 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]

April 6, 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 March 30, Our records do not reflect that we agreed to delete our trade line upon receipt of Ms [redacted] ’s February 12, payment of $However, based on her dispute and to resolve this matter, we have requested the credit bureaus 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 ###-###-####

August 3, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC, Account # [redacted] Debt Description: [redacted] Complaint ID: [redacted] Dear Ms [redacted] : We are in receipt of your additional correspondence sent on behalf of Mr [redacted] concerning the account referenced above We have reviewed the documentation Mr [redacted] provided regarding his credit bureau file and the [redacted] account The copy of the Credit Bureau Report information Mr [redacted] submitted under the “Account Name” Aspire is information that would have been reported by the prior creditor We are unable to comment on the information that they reported and if Mr [redacted] disagrees with that information, he will need to dispute it directly with the Credit Bureaus as we are unable to take any action in relation to that data As the transactional history I provided with our first response documented, a balance of $remained on the account in January of However, based on Mr [redacted] ’s dispute, we have terminated collection action and requested the bureaus to delete our trade line as I indicated in my letter of July 27, We appreciate the opportunity to address his concerns Sincerely, Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector 866-516-

Initial Business Response / [redacted] (1000, 5, 2015/12/08) */ December 8, Revdex.com Attention: [redacted] SRiver Ridge Circle Burnsville, MN 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 Mr [redacted] concerning his above-referenced account Our records indicate that Mr [redacted] 's [redacted] account was established in March and was charged off in June Jefferson Capital Systems, LLC purchased the account, reflecting a balance of $576.73, in October To resolve Mr [redacted] 's dispute, we have terminated further collection efforts and closed our fileWe are also notifying the bureaus to delete our trade line from his credit file 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] (2000, 7, 2015/12/08) */ (The consumer indicated he/she ACCEPTED the response from the business.) They deleted it like I asked

Initial Business Response / [redacted] (1000, 5, 2015/11/23) */ November 23, 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 Mr [redacted] concerning the [redacted] account The [redacted] account was opened in September and charged off in May Jefferson Capital Systems, LLC, purchased the account and balance of $in August Enclosed are reprints of the billing statements representing charges from November 10, to May 1, A letter was sent to Mr [redacted] advising we were the current owners of the account as well as the Right to Dispute letterThe account was placed with [redacted] (***) on September 4th for collection effortsOn September 28th, Mr [redacted] spoke with a representative at Jefferson Capital Systems, LLC, and was advised we had placed the account with [redacted] and we would be informed of any payments he made to them and his credit file would be updated and reported accuratelyTo resolve the dispute, we have recalled the account and terminated collection actionWe are also notifying the credit bureaus to delete our trade line from Mr***'s credit file Thank you for the opportunity to address the matter Sincerely, Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted] Enclosure:

June 3, 2016 RevDex.com Attention: [redacted] 220 S. River Ridge Circle Burnsville, MN 55337 Re: [redacted] / ID [redacted] ... Jefferson Capital Systems, LLC account number: [redacted] Debt Description: [redacted] Wireless Dear Mr. [redacted] : We acknowledge receipt of your correspondence sent on behalf of Mr. [redacted] concerning his above-referenced account. Jefferson Capital Systems, LLC acquired Mr. [redacted] ’s [redacted] Wireless account and balance of $1,845.05 in or around June 2015 and placed the account with [redacted] for collection purposes. [redacted] posted Mr. [redacted] ’s payment for $645.77 on May 9, 2016. This letter confirms that Mr. [redacted] ’s account is satisfied in full. We have notified the bureaus to delete our trade line from his credit file. Thank you for the opportunity to respond. Sincerely, Sharon [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector Phone: ###-###-####

January 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 December 1, We have no record of receiving a prior written dispute from Mr [redacted] Based on his dispute, we have terminated collections Additionally we are requesting the credit bureaus delete our trade line from Mr [redacted] ’s credit file This letter will confirm the 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 ###-###-####

December 4, 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 December 4, 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###-###-####

November 17, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC, Account # [redacted] Debt Description: [redacted] Case ID: [redacted] Dear Ms [redacted] : We are in receipt of your correspondence sent on behalf of Mr [redacted] concerning the account referenced above Jefferson Capital Systems, LLC, acquired the [redacted] account on or around November 19, 2013, with the balance of $3,and after we issued a credit of $314.70, the balance is $2, Enclosed are copies of the Application/Enrollment Agreement and the Student Ledger for Mr [redacted] Although we feel the balance is rightfully due, as a courtesy and in order to resolve the matter, we have closed our file and terminated collection action We are also requesting the credit bureaus to delete our trade line from his credit bureau file We appreciate the opportunity to address the matter Sincerely, Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-#### Enclosure:

February 15, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] *** Jefferson Capital Systems, LLC Account Number: [redacted] Debt Description: [redacted] Bank Checking 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 February 15, 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 ###-###-####

November 1, 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 November 1, 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 ###-###-####

November 22, Revdex.com Attention: [redacted] SRiver 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 correspondence sent on behalf of Mr [redacted] concerning the above-referenced account Our records indicate the [redacted] Wireless account was opened on June 2, and was charged off on November 30, with a balance of $ On October 10, Mr [redacted] settled the account for less than the full balance The account was subsequently updated to a settled in full status This letter confirms that we have notified the bureaus to delete our trade line from Mr***’s credit file Thank you for the opportunity to respond Sincerely, Sharon [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector Phone: ###-###-####

November 30, 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] 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 Mr. [redacted] Cook on November 30, 2017. Mr. [redacted] should allow 7-10 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 ###-###-####

February 15, 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 Mr [redacted] on February 15, 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 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 ###-###-####

September 12, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC Account Number: [redacted] & [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 both [redacted] Wireless accounts on or around March 31, The balances are $and $839.46, respectively Based on Ms [redacted] ’ previous dispute, collection efforts have been terminated Additionally, we have requested the credit bureaus delete our trade line from her credit files This letter will confirm these accounts 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 ###-###-####

November 9, Revdex.com Attention: [redacted] SRiver Ridge Circle Burnsville, MN Re: [redacted] / ID [redacted] Jefferson Capital Systems, LLC account number: [redacted] Debt Description: [redacted] Dear Ms [redacted] : We acknowledge receipt of your correspondence sent on behalf of Mr [redacted] concerning the above-referenced account Jefferson Capital Systems, LLC acquired Mr***’s [redacted] account and balance of $on or about July 22, To resolve Mr***’s dispute, we have terminated further collection efforts and closed our file We have also notified the bureaus to delete our trade line from his credit file Thank you for the opportunity to respond Sincerely, Sharon [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector Phone: ###-###-####

June 5, 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*** This letter will confirm that on June 5, 2018, we responded directly to Mr*** He should allow 7-days to receive our response We believe the actions referenced in that letter have resolved the matter satisfactorily Attached is a copy of our response 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:

February 5, 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 February 5, 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 ###-###-####