Jefferson Capital Systems, LLC

Initial Business Response /* (1000, 5, 2015/12/22) */
December 22,
Mr*** ***
Revdex.com
S River Ridge Circle
Burnsville, MN
Re: *** ***
Jefferson Capital Systems, LLC, Account Number: ***
Debt Description:
***
Case #***
Dear Mr***:
We are in receipt of your correspondence sent on behalf of *** *** concerning the above-referenced account
Jefferson Capital Systems, LLC, purchased the*** account and balance of $in April This account was opened in May and charged off for collections in January We have no record of receiving a written request for validation of this debtHowever, Mr*** did contact us via telephone on June 25, and again on December 16, stating he never had a*** accountA Fraud Letter and Affidavit was sent to him on June 26, and we did not receive the return of the completed documentIn order to resolve this matter, we have terminated collection efforts and requested the credit bureaus 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 ***
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
***
Initial Consumer Rebuttal /* (2000, 7, 2015/12/26) */
(The consumer indicated he/she ACCEPTED the response from the business.)

October 12, Revdex.com Attention: *** *** SRiver Ridge Circle Burnsville, MN Re: *** *** / ID ***
Jefferson Capital Systems, LLC account number: *** Our Client: *** *** *** Debt Description: *** *** ** Dear Ms***: We acknowledge receipt of your correspondence sent on behalf of Ms*** concerning her above-referenced account Ms***’s above-referenced account was placed with Jefferson Capital Systems, LLC for collections by our client in May Based on Ms***’s dispute, we have closed our file and terminated collection action. We have also notified our client regarding the dispute This letter confirms Jefferson Capital Systems, LLC, has not reported any information regarding the account to the credit bureaus Thank you for the opportunity to respond Sincerely, Sharon *** Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector Phone: ###-###-####

Initial Business Response /* (1000, 5, 2015/12/30) */
December 30,
Revdex.com
Attention: *** ***
SRiver Ridge Circle
Burnsville, MN
Re: *** / Case number ***
Jefferson Capital Systems, LLC account number: ***
Debt Description:
***
Dear Mr***:
We acknowledge receipt of your correspondence sent on behalf of Ms*** concerning her above-referenced account
After review of Ms***'s collection file, including correspondence, account statements, default notices, payment reminders, and her entire court case, Jefferson Capital Systems, LLC acted lawfully and appropriately in the collection of her past due accountIn particular, Ms*** was personally served with the lawsuit at her home address and the case subsequently went to trial where the court entered judgment against her based on the evidence, including her monthly statements which showed her use of the accountLater, Ms*** entered into an affordable monthly payment arrangement but she defaulted from it, despite multiple payment reminder letters, calls, and default notices being sent to herAlthough she subsequently paid $1,000, she made the payment online without speaking to anyone and without entering into any revised settlement agreementAs a result, this payment was applied to her balance owedFurthermore, the wage garnishments and the bank levy referenced in her complaint were properly issued by the court and were processed in accordance with the lawMs*** even agreed in writing for the court to have her bank funds applied as a credit on the judgment she owed
In the complaint, Ms*** asserted that a company called "Delta" got her information from Jefferson Capital Systems, LLC, but this assertion is simply not trueJefferson Capital Systems, LLC does not sell consumer information to any other companies
Thank you for the opportunity to respond
Sincerely,
Jonathan ***, Esq
Chief Compliance Officer, Legal Solutions
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
Initial Consumer Rebuttal /* (3000, 7, 2015/12/30) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept the response from Jefferson capitalFor one, they did not send anything to my houseI have never ever lived on DukeI do not know how they got this informationI did go to court because the people that do live on Duke found me on facebook, and told me I had court papersI did call Jefferson capital about the $payment I had madeLetters were not sent to my home, nor were calls made after the $was paidThey accepted the payment just fine, but did not accept the payment arrangement madeIf proper records were not kept, I should not be penalizedRegarding signing the paper work, I was most certainly bullied into signing itI was told they were going to charge me more moneyThey then still ended up taking money out of my pay checkIn regards to "Delta," after this complaint was filed, they have oddly enough stopped calling me
Final Business Response /* (4000, 9, 2016/01/15) */
January 15,
Revdex.com
Attention: *** ***
SRiver Ridge Circle
Burnsville, MN
Re: *** / Case number 2009C
Jefferson Capital Systems, LLC account number: ***
Debt Description: ***
Dear Mr***:
We acknowledge receipt of the additional correspondence sent on behalf of Ms*** concerning her above-referenced account
Upon review of the additional information submitted by Ms*** and her entire collection file and court case again, none of the additional assertions presented are accurateFor instance, Ms*** was personally served with a summons and complaint at her home address - different from the address on Duke Street - where she personally identified herself to the process serverSee Affidavit of Service, attached as Exhibit AIt appears that the only reason any court documents were sent to an address on Duke Street after she was personally served was because she listed it as her home address on the answer she filed with the courtSee Answer, Page 2, attached as Exhibit BAccordingly, on June 27, 2009, Ms*** attended her trial and presented testimony, but the court held that she owed the debt and entered judgment against herSee Court Docket, attached as Exhibit C
Second, almost five years later in May of 2014, the file shows that there were no settlement offers to pay the debt in full for $1,By contrast, the collection activity notes, which detail all interactions with Ms***, do not reflect any $1,settlement conversationsIn addition, the correspondence in her file does not have any such written offers by either partyBy contrast, the file shows that Liberty Acquisitions Servicing, LLC, the predecessor-in-interest to Jefferson Capital Systems, LLC ("Jefferson Capital"), received a $1,payment on her judgment debt via its payment websiteBecause her entire judgment balance was due and payable immediately at that time, acceptance of this partial payment on the balance owed did not entitle Ms*** to "months of payments" offNor did a voluntary partial payment from Ms*** somehow settle the account in fullBy contrast, she still owed the remaining balance due
Third, despite Ms***'s assertion that Jefferson Capital Systems, LLC "stole" money from her bank account and did so without notice to her, the bank levy was issued by the court and served upon Ms***'s bank in accordance with the Colorado Rules of Civil ProcedureUpon learning of the bank levy and importantly, before the bank released those funds to Jefferson Capital, Ms*** filed a claim of exemption and the court held a hearing to determine if there was a legal reason that the funds should not be subject to its previously issued levyOn March 19, 2015, the court had a hearing on the matter and held that Ms***'s claim of exemption was not validMs*** agreed and signed a waiver for the funds to be paid to Jefferson CapitalSee Waiver and Acceptance of Service for Notice of Levy, attached as Exhibit D, and Court Docket, attached as Exhibit CAlthough Ms*** asserts that she "was most certainly bullied into signing it," she signed it at court as a result of her fair and impartial court hearingLikewise, her subsequent wage garnishment was issued by the court to pay the remaining balance owed on her judgment debt after her bank funds were received, which did not satisfy the outstanding balanceAs a result, Ms*** settled the debt in full
Finally, although Ms*** alleges that a company called "Delta" was calling her on behalf of Jefferson Capital and it has recently ceased such communications, Jefferson Capital has no knowledge of any third party called "Delta" nor has it authorized any other company, including one called "Delta," to call Ms*** for any reason whatsoever
Thank you for the opportunity to respond
Sincerely,
Jonathan ***, Esq
Chief Compliance Officer, Legal Solutions
On behalf of Jefferson Capital Systems, LLC, A Debt Collector

Initial Business Response /* (1000, 5, 2016/02/04) */
February 4,
Mr*** ***
Revdex.com
S River Ridge Circle
Burnsville, MN
Re: *** ***
Jefferson Capital Systems, LLC, Account Number: ***
Debt Description:
***
Case #***
Dear Mr***:
We are in receipt of your correspondence sent on behalf of *** *** concerning the above-referenced account
The *** account was opened in March and charged off in August Jefferson Capital Systems, LLC, purchased the account and balance of $in March Based on Ms*** correspondence, we have contacted *** and they have confirmed they have had no contact with Ms*** and that this debt is validTo resolve this matter, we have terminated collection efforts and are requesting the credit bureaus to delete our trade line from her credit file
Thank you for the opportunity to be of service
Sincerely,
Kathy ***
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
***
Initial Consumer Rebuttal /* (2000, 7, 2016/02/08) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I accept the offerPlease remove this from my credit

September 26, Ms*** *** Revdex.com S River Ridge Circle Burnsville, MN Re: *** ***
Jefferson Capital Systems, LLC Account Number: *** & *** Debt Description: *** Wireless Complaint ID#: *** Dear Ms***: We are in receipt of your correspondence sent on behalf of *** *** This letter will confirm we have responded directly to Ms*** on September 26, 2017. 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 *** Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

March 27, Ms*** *** Revdex.com S River Ridge Circle Burnsville, MN Re: *** ***
Jefferson Capital Systems, LLC Account Number: *** Debt Description: *** Wireless Complaint ID#: *** Dear Ms***: We are in receipt of your correspondence sent on behalf of *** *** Jefferson Capital Systems, LLC acquired the *** Wireless account and balance of $on or around October 12, 2016. We have no record of receiving any previous attempts to reach us by telephone from the telephone number Ms*** provided in her correspondence. Based on her dispute and to resolve this matter, we have terminated collection efforts are requesting the credit bureaus delete our trade line from her credit file Thank you for the opportunity to be of service Sincerely, Kathy *** Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

April 12, Ms*** *** Revdex.com S River Ridge Circle Burnsville, MN Re: *** *** Jefferson Capital Systems, LLC Account Number: *** Debt Description: *** Wireless Complaint ID#: *** Dear Ms***: We are in receipt of your additional correspondence sent on behalf of *** *** This letter will confirm we have terminated collection efforts and the credit bureaus have deleted/suppressed the Jefferson Capital System, LLC trade line from Ms***’s credit file. This account will not be sold or transferred Thank you for the opportunity to be of service Sincerely, Kathy *** Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

April 18, Revdex.com Attention: *** *** SRiver Ridge Circle Burnsville, MN Re: *** (***) *** / ID *** Jefferson Capital Systems, LLC account number: *** Debt Description: *** *** *** Dear Ms***: We acknowledge receipt of your additional correspondence sent on behalf of Ms*** concerning the above-referenced account. We have no record of receiving Ms***’s mailed in documentation of her change of name. On April 10, 2017, Ms*** called our office. During the conversation, we agreed to accept a copy of her work ID and a copy of her personal check as verification of her name. Ms*** was going to fax the information directly to our office. We have no record of receipt. In order to process Ms***’s request for the new card, we will require documentation of her name change. Thank you for the opportunity to respond Sincerely, Sharon *** Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector Phone: ###-###-####

July 6, Revdex.com Attention: *** *** SRiver Ridge Circle Burnsville, MN Re: *** *** / ID ***
Jefferson Capital Systems, LLC account number: *** Debt Description: *** Wireless Dear Ms***: We acknowledge receipt of your correspondence sent on behalf of Ms*** concerning the above-referenced account Jefferson Capital Systems, LLC acquired the account on or about March 20, 2015. In order to resolve Ms***’s dispute, we have terminated further collection efforts and closed our file. We have also notified the bureaus to delete our trade line from her credit file Thank you for the opportunity to respond Sincerely, Kathy *** Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector Phone: ###-###-####

Initial Business Response /* (1000, 5, 2015/10/30) */
October 30,
Mr*** ***
Revdex.com
S River Ridge Circle
Burnsville, MN
Re: ***
Jefferson Capital Systems, LLC, Account #***
Debt Description:
***
Case #***
Dear Mr***:
We are in receipt of your correspondence sent on behalf of Mr*** concerning the*** account
Jefferson Capital Systems, LLC, purchased the*** account and balance of $in November Enclosed please find a copy of the statement regarding the balance which was provided by***The account was subsequently placed with *** (RSE) in April In researching the matter with RSE, we were advised that on April 21st Mr*** was sent a letter advising the account had been referred to their office and Mr*** had days to dispute the validity of the debtOn September 9th, RSE filed suit on our behalf regarding this debtMr*** should contact them by calling toll-free *** or at the address of ***, Brookfield, WI
Thank you for the opportunity to respond
Sincerely,
Shirley ***
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
***
Enclosure:
Initial Consumer Rebuttal /* (3000, 7, 2015/10/30) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I did not ever have a Fingerhut accountHow can this be attributed to me, when I have not lived in the home to which these letters were apparently sent, since early 2013? I will not be responsible for purchases that were not made by me I will come to court with my proof that I left this home long before May You can purchase debt that's been charged off without a persons knowledge and I find that practice reprehensible at best
Final Business Response /* (4000, 9, 2015/11/05) */
November 5,
Mr*** ***
Revdex.com
S River Ridge Circle
Burnsville, MN
Re: ***
Jefferson Capital Systems, LLC, Account #***
Debt Description: ***
Case #***
Dear Mr***:
We are in receipt of your additional correspondence sent on behalf of Mr*** concerning the*** account
In response to Mr***' communication, we contacted*** for further information regarding the accountWe were advised the application for the account was completed on line in December The order for which the balance remains was placed in April and was delivered to the same address as the prior orders; ***, Odessa, TX 79764, the address listed as the consumer information on the complaint we receivedWe were also advised payments were received up until May 24, from a checking account in the same name and address from a checking account ending in *** are continuing to handle the account on our behalf and Mr*** should contact them toll-free at ***
We appreciate the opportunity to reply
Sincerely,
Shirley ***
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
***

July 18, Ms*** *** Revdex.com S River Ridge Circle Burnsville, MN Re: *** ***
Jefferson Capital Systems, LLC, Account #*** Debt Description: *** *** Case ID: *** Dear Ms***: We are in receipt of your correspondence sent on behalf of Ms*** concerning her *** *** account Jefferson Capital Systems, LLC, acquired the *** *** account on or around April 4, 2016, with a remaining balance of $1,162.82. Enclosed please find reprints of Ms***’ last two billing statements provided by *** ***. In researching the matter with *** ***, we were advised Ms*** spoke with a representative in May at which time she was advised charges were from early termination fees and she agreed to set up payments. 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***’ credit bureau file We appreciate the opportunity to address the matter Sincerely, Shirley *** Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-#### Enclosure:

August 9, Ms*** *** Revdex.com S River Ridge Circle Burnsville, MN Re: *** ***
Jefferson Capital Systems, LLC Account Number: *** Debt Description: *** *** Complaint ID#: *** Dear Ms***: We are in receipt of your correspondence sent on behalf of *** *** Thank you for forwarding Ms***’s correspondence indicating this is not her account and is reflected on her credit file. Based on her correspondence, we have 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 *** Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

March 16, Ms*** *** Revdex.com S River Ridge Circle Burnsville, MN Re: *** ***
Jefferson Capital Systems, LLC Account Number: *** Debt Description: *** Wireless Complaint ID#: *** Dear Ms***: We are in receipt of your correspondence sent on behalf of *** *** Jefferson Capital Systems, LLC acquired the *** Wireless account and balance of $1,on or around April 4, 2016. Payment of $was received on February 27, 2017, which resulted in his account being updated as settled in full. Our records do not indicate we agreed to delete our trade line when agreeing to accept $as settlement for this account. However, in response to his dispute, we are requesting the bureaus delete our trade line from his credit file Thank you for the opportunity to be of service Sincerely, Kathy *** Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

May 24, Ms*** *** Revdex.com S River Ridge Circle Burnsville, MN Re: *** ***
Jefferson Capital Systems, LLC Account Number: *** Original Creditor: *** Wireless Complaint ID#: *** Dear Ms***: We are in receipt of your correspondence sent on behalf of *** *** Jefferson Capital Systems, LLC acquired the *** Wireless account and balance of $1,on or around March 20, 2015. A Right to Dispute letter was sent to Mr*** on July 15, 2016. Although a balance remains on this account, based on Mr***’s 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 *** Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

February 7, Ms*** *** Revdex.com S River Ridge Circle Burnsville, MN Re: *** ***
Jefferson Capital Systems, LLC Account Number: *** Debt Description: *** Wireless Complaint ID#: *** Dear Ms***: We are in receipt of your correspondence sent on behalf of *** *** This letter will confirm we have responded directly to Ms*** on February 7, 2018. Ms*** 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 *** Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

Initial Business Response /* (1000, 5, 2016/02/18) */
February 18,
Revdex.com
Attention: *** ***
SRiver Ridge Circle
Burnsville, MN
Re: *** ***
Jefferson Capital Systems, LLC account number: ***
Debt Description:
***.com
Dear Mr***:
We acknowledge receipt of your correspondence sent on behalf of Ms*** concerning her above-referenced account
After review of Ms***'s collection file, including correspondence and account statements, Jefferson Capital Systems, LLC ("Jefferson") acted lawfully and appropriately in the collection of her past due accountOn August 4, 2015, a Validation Notice was sent to Ms***'s current addressSee attached copyPrior to this complaint, no request for verification or any communication has been received by Jefferson from Ms***We have no records of any settlement letters being sent to Ms*** in connection to this account, nor do we have any record of any payments being made by Ms***
In response to this complaint received, Jefferson is providing verification of the debt to Ms***Upon receipt, Jefferson would encourage Ms*** to contact our offices regarding this account at ***
Thank you for the opportunity to respond
Sincerely,
Katherine R.***, Esq
Assistant Managing Counsel
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
Initial Consumer Rebuttal /* (3000, 7, 2016/02/18) */
(The consumer indicated he/she DID NOT accept the response from the business.)
As for the settlement mentioned in my claim, it was for another accountI know this now! However, I do not understand why I received an option, in the mail, to settle that account (which I did!) for that one but not this one
It's interesting that *apparently* only a verification letter was sentNothing else
Please don't lie about not having contactI have asked for account information verification through Transunion and Equifax and have received nothing from this companyI have attached screen shots of my disputes asking for information through TransunionI have not received *ANYTHING* in the mail eitherI answered the other account, because I RECEIVED SOMETHING!
I don't care if verification has been sent nowI have asked for it through other channels and got nothingIt took a complaint to the Revdex.com to get them to do anything
This needs to be closedMy next steps if this doesn't get resolved is contacting my state attorney general and my personal attorney
Final Business Response /* (4000, 9, 2016/02/26) */
February 26,
Revdex.com
Attention: *** ***
SRiver Ridge Circle
Burnsville, MN
Re: *** ***
Jefferson Capital Systems, LLC account number: ***
Debt Description: ***.com
Dear Mr***:
We acknowledge receipt of additional correspondence sent on behalf of Ms*** concerning her above-referenced account
After review of Ms***'s collection file, including correspondence and account statements, Jefferson Capital Systems, LLC ("Jefferson") acted lawfully and appropriately in the collection of her past due account that is at issue in this Complaint, as previously noted in our February 18, response
Without further information and clarification, Jefferson cannot appropriately respond to Ms***'s other allegationsMs*** has indicated in her reply that she was confusing the above-reference account with "another account."
As noted in our February 18, response, no request for verification or any communication has been received by Jefferson from Ms*** regarding the account specified aboveJefferson is not able to appropriately respond to requests that were not addressed or sent to JeffersonVerification of this account was sent to Ms*** on or about February 18, in response to the original complaint
Again, Jefferson would encourage Ms*** to contact our offices regarding this account at ***
Thank you for the opportunity to respond
Sincerely,
Katherine R.***, Esq
Assistant Managing Counsel
On behalf of Jefferson Capital Systems, LLC, A Debt Collector

October 11, Ms*** *** Revdex.com S River Ridge Circle Burnsville, MN Re: *** ***
Jefferson Capital Systems, LLC Account Number: *** Debt Description: *** Wireless Complaint ID#: *** Dear Ms***: We are in receipt of your correspondence sent on behalf of *** *** This letter will confirm we have responded directly to Mr*** on October 11, 2017. 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 *** Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

January 16, 2018 Ms*** ***Revdex.com S River Ridge CircleBurnsville, MN 55337 Re: *** ***
Jefferson Capital Systems, LLC Account Number: *** Debt Description: *** Wireless Complaint ID#: *** Dear Ms***: We are in receipt of your correspondence sent on behalf of *** *** This letter will confirm we have responded directly to Mr*** on January 16, 2018. Mr*** 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 ***Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####

April 12, Mr*** *** Revdex.com S River Ridge Circle Burnsville, MN Re: *** ***
Complaint ID#: *** Dear Mr***: We are in receipt of your correspondence sent on behalf of *** *** This letter will confirm we have responded directly to Ms*** on April 12, 2018. Ms*** 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 *** Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

August 10, Ms*** *** Revdex.com S River Ridge Circle Burnsville, MN Re: *** ***
Jefferson Capital Systems, LLC Account Number: *** Debt Description: *** Wireless Complaint ID#: *** Dear Ms***: We are in receipt of your correspondence sent on behalf of *** *** concerning the above-referenced account Jefferson Capital Systems, LLC acquired the *** Wireless account and balance of $on or around December 1, 2015. We have no record of receiving a previous written request for validation of the debt. Pursuant to Ms***’s request for validation of this debt, enclosed is the final *** Wireless statement dated March 21, 2013. Although a balance remains on the account, to resolve this matter, we have terminated collection efforts. We are also requesting the credit bureaus delete our trade line from Ms***’s credit file. We appreciate the opportunity to be of service Sincerely, Kathy *** Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-#### Enclosure: