Jefferson Capital Systems, LLC

Via Revdex.com Complaint System Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN May 11, Re: Revdex.com Complaint of [redacted] *** Jefferson Capital Systems, LLC account number: [redacted] / [redacted] Revdex.com Complaint ID#: [redacted] Dear Ms [redacted] : We acknowledge receipt of additional correspondence sent on behalf of Mr [redacted] concerning his above-referenced account After review of Mr***’s response, Jefferson Capital Systems, LLC (“Jefferson”) acted lawfully and appropriately in response to Mr***’s request for verification of the accountHowever, if Mr [redacted] believes this account to be fraudulent, as a courtesy, we will close the account and delete the trade line If you have any additional questions or concerns, please do not hesitate to contact me at ###-###-#### to discuss the matter Thank you for the opportunity to respond Sincerely, Katherine RO’***, EsqCompliance Officer 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 meIf this is not removed from my credit within days, what should be my next step?

December 27, Ms [redacted] Revdex.com S River Ridge CircleBurnsville, MN Re: [redacted] [redacted] Jefferson Capital Systems, LLC Account Number: [redacted] Debt Description: JCrew 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 December 27, 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###-###-####

October 31, 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 February 1, Pursuant to Ms***’s request for validation of this debt, enclosed is a copy of the final [redacted] Wireless billing statement dated December 8, To resolve this matter, we have terminated collection efforts and 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 ###-###-####

Initial Business Response / [redacted] (1000, 5, 2015/11/05) */ November 5, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Case # [redacted] Dear Mr [redacted] : We are in receipt of your correspondence sent on behalf of Mr [redacted] concerning the letter he received from [redacted] (***) for [redacted] Jefferson Capital Systems, LLC, acquired the account for [redacted] and placed the account with [redacted] for collection effortsIn their attempts to locate our customer, the address of [redacted] , Columbus, OH, was obtained through the credit bureausAs previously advised, we have taken the necessary steps to ensure Mr [redacted] is not contacted again regarding this matter We regret the inconvenience incurred by Mr*** Sincerely, Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted] Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/11/06) */ (The consumer indicated he/she DID NOT accept the response from the business.) I need to know specifically which credit bureau(s) they used to obtain my address linking it to [redacted] Final Business Response / [redacted] (4000, 9, 2015/11/13) */ November 13, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Case # [redacted] Dear Mr [redacted] : We are in receipt of your additional correspondence sent on behalf of Mr [redacted] concerning the letter he received from [redacted] (***) for [redacted] In researching the matter with ***, they advised they were provided Mr***'s address of [redacted] , Columbus, OH, by TransUnionTo inquire about the information they provided to [redacted] or to dispute the matter, Mr [redacted] should contact TransUnion at [redacted] Thank you for the opportunity to reply Sincerely, Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted]

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 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 the account with [redacted] for collection efforts We regret Ms [redacted] was unable to reach us by telephone Although a balance remains on the account, to resolve this matter, we have recalled the account, terminated collections and are requesting 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 31, 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] Consumer Financial Protection Bureau case number: [redacted] Dear Ms [redacted] : We are in receipt of your correspondence sent on behalf of [redacted] concerning the above-referenced accountWe received similar correspondence from the Consumer Financial Protection Bureau Jefferson Capital Systems, LLC acquired the [redacted] Wireless account, reflecting a balance of $1,089.47, on or about June 5, Automated Consumer Dispute Verification requests were received from the credit bureaus We responded directly to the credit bureaus Based on Mr [redacted] ’s dispute and to resolve this matter, we have terminated collection efforts Additionally, we have notified the credit bureaus to 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 ###-###-####

August 4, 2017 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 Consumer Financial Protection Bureau case number: [redacted] Dear Ms. [redacted] : We acknowledge receipt of your correspondence sent on behalf of Ms. [redacted] concerning the above-referenced account. We received similar correspondence from the Consumer Financial Protection Bureau. Jefferson Capital Systems, LLC acquired Ms. [redacted] ’ [redacted] Wireless account and balance of $437.36 on or about April 4, 2016. Our registration number with the Office of Financial Regulation of the Financial Services Commission is CCA9901497. Although we disagree with the merits of Ms. [redacted] ’ dispute, as a courtesy, we have terminated further collection efforts and closed our file. This letter confirms that the bureaus have been notified to delete our trade line from Ms. [redacted] ’ 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: ###-###-#### C: Consumer Financial Protection Bureau

March 22, 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 March 22, 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, 2015/11/18) */ November 18, 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 accountMs [redacted] stated she attempted to contact us by telephone and was not able to reach usUpon researching this matter, we have no record of receiving any telephone calls Jefferson Capital Systems, LLC, purchased the [redacted] account and balance on $1,on August 17, A Right to Dispute letter was sent to Mrs [redacted] on September 3, To resolve this matter, we have closed our file and terminated collection effortsWe are also notifying the credit bureaus to delete our trade line from Mrs [redacted] 's credit bureau 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 [redacted] Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/11/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) I needs a letter from Jefferson Capitol stating the above closed account (and not sold elsewhere) and delete from credit bureauOnce complete I will accept the response Final Business Response / [redacted] (4000, 9, 2015/11/25) */ November 25, 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 additional correspondence sent on behalf of [redacted] concerning the above-referenced account This letter will confirm that Jefferson Capital Systems, LLC, terminated collection efforts and the credit bureaus have deleted our trade line from Ms [redacted] 's credit fileAlso, 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]

July 21, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Complaint ID#: [redacted] Dear Ms [redacted] : We are in receipt of your additional correspondence sent on behalf of [redacted] As we advised in our previous letter, we are unable to locate an account for Ms [redacted] with the information she has provided To locate the account Ms [redacted] states is being reported on her credit file, we need a copy of the credit report reflecting our trade line She may mail this information to us at Jefferson Capital Systems, LLC, [redacted] StCloud, MN 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, 2015/07/07) */ July 7, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: Brian [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 account referenced aboveJefferson Capital Systems, LLC, is registered to collect in the state of Louisiana According to the information provided, the account was opened in May and charged off in October Jefferson Capital Systems, LLC, purchased the account in August with a balance of $The account was subsequently placed with two different agencies between September and July 2, for collection effortsAccording to our records, Mr [redacted] was sent the Right to Dispute letter on March 9, and no written dispute was received from himAlthough we disagree with the merits of his dispute, we have closed our file and terminated collection actionWe are also notifying the credit bureaus to delete our trade line from Mr [redacted] credit file and this confirms the account will not be sold 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, 2015/07/08) */ (The consumer indicated he/she ACCEPTED the response from the business.) I am happy with the deletion from all credit reporting agencies and that it will NOT sold to any other collectors Thank You

June 11, 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 Ms*** This letter will confirm that on June 11, 2018, we responded directly to Ms*** She 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:

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 $1,on or around June 7, Based on Ms***’s stated 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 8, Ms [redacted] Revdex.com S River Ridge CircleBurnsville, MN Re: [redacted] Jefferson Capital Systems, LLC Account Number: [redacted] Debt Description: [redacted] Bank Debit Card 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 [redacted] on January 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 serviceSincerely, Kathy ***Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####

Initial Business Response / [redacted] (1000, 5, 2015/06/17) */ June 17, 2015 Mr. [redacted] RevDex.com 220 S River Ridge Circle Burnsville, MN 55337 Re: [redacted] Jefferson Capital Systems, LLC, Account # [redacted] Debt Description: [redacted] ... Checking Case # [redacted] Dear Mr. [redacted] : We are in receipt of your correspondence sent on behalf of Mr. [redacted] concerning payment of the account referenced above. The [redacted] Checking account and balance of $373.95 was placed with Jefferson Capital Systems, LLC, for collections in February 2015 by RJM Acquisitions, LLC. Our records were updated on June 4, 2015, to reflect Mr. [redacted] 's settlement payment of $200.00. This letter confirms the credit bureaus have been notified to delete our trade line from Mr. [redacted] 's credit bureau file. Please allow the credit bureaus 30 days to update their records. Thank you for the opportunity to address Mr. [redacted] 's concerns. Sincerely, Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted]

Initial Business Response / [redacted] (1000, 5, 2015/05/12) */ May 12, 2015 Mr. [redacted] RevDex.com 220 S River Ridge Circle Burnsville, MN 55337 Re: [redacted] Jefferson Capital Systems, LLC, Account # [redacted] Debt Description: [redacted] ... Checking Case # [redacted] Dear Mr. [redacted] : We are in receipt of your correspondence sent on behalf of Mr. [redacted] concerning the account referenced above. Jefferson Capital Systems, LLC, purchased the [redacted] Checking account and balance of $392.82 from [redacted] in February 2015. To resolve Mr. [redacted] 's dispute, we have terminated further collection efforts and closed our file. This confirms the account will not be sold and in addition, we are notifying the credit bureaus to delete our trade line from his credit file. Please allow thirty days for the bureaus to update their records. We appreciate the opportunity to reply. Sincerely, [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted] Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/05/25) */ (The consumer indicated he/she ACCEPTED the response from the business.)

August 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] *** Jefferson Capital Systems, LLC acquired the [redacted] Wireless account and balance of $on or around February 13, Jefferson Capital has no record of received a previous request for validation of this debt Although we disagree with the merits of Ms***’s dispute, 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###-###-####

May 30, 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] This letter will confirm that on May 30, 2018, we responded directly to Mr [redacted] 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:

Initial Business Response / [redacted] (1000, 5, 2015/12/03) */ December 3, 2015 Mr. [redacted] RevDex.com 220 S River Ridge Circle Burnsville, MN 55337 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 his [redacted] account. Jefferson Capital Systems, LLC, purchased the [redacted] account and balance of $533.53 in March 2015. In researching the matter with [redacted] , we are advised Mr. [redacted] did contact them with regard to the low coverage in the area he was in. While investigating the matter, they then determined the address given was incorrect and when they attempted to contact Mr. [redacted] to get the exact location, they did not receive a response. To bring closure to the matter, we have closed our file and terminated collection action. We are also notifying the credit bureaus to delete our trade line from his credit bureau file. We appreciate the opportunity to respond and for Mr. [redacted] ' service to our country. Sincerely, Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted] Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/12/03) */ (The consumer indicated he/she ACCEPTED the response from the business.) I accept the resolution.