Jefferson Capital Systems, LLC

October 27, 2016       Revdex.com Attention: [redacted] 220 S. River Ridge Circle Burnsville, MN 55337   Re:          [redacted] / ID [redacted]   Dear Ms. [redacted]:   We acknowledge receipt of your...

correspondence sent on behalf of Mr. [redacted] concerning information 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.  We look forward to the opportunity to address his concerns.  However, to enable us to identify the account, we ask that Mr. [redacted] provide us with a copy of the credit bureau report which he references in his complaint, reflecting a Jefferson Capital Systems, LLC trade line.  We also ask that he provide us with the last four digits of his social security number.  This information can be mailed to the following address: Jefferson Capital Systems, LLC, Attn: Consumer Relations, [redacted], St. Cloud, MN 56303. It can also be faxed to ###-###-####, Attention: [redacted].    We appreciate the opportunity to respond.    Sincerely,       [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector Phone: ###-###-####

Initial Business Response /* (1000, 5, 2015/05/27) */
May 27, 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] Visa
Dear Mr. [redacted]:
We acknowledge receipt of your correspondence sent on behalf of Ms. [redacted] concerning the above-referenced account.
Jefferson Capital Systems, LLC purchased the [redacted] Visa account and balance of $1,870.20 in March 2009. To resolve Ms. [redacted]'s dispute, we have terminated further collection efforts and closed our file. 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,
[redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
Phone: (320)[redacted]

June 8, 2016       Mr. [redacted] Revdex.com          220 S River Ridge Circle Burnsville, MN 55337   Re:      [redacted]            ...

Jefferson Capital Systems, LLC Account Number:  [redacted]             Our Client:  [redacted]             Debt Description: [redacted] MasterCard                 Complaint ID:  [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 placed with Jefferson Capital Systems, LLC for collections by our client in November 2015.  Our client recalled the account in April 2016.  We are forwarding your correspondence for review.   This letter will confirm Jefferson Capital Systems, LLC has not reported the account to the credit bureaus.   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 2, 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]   Dear Ms. [redacted]:   We acknowledge receipt of your additional correspondence sent on behalf of Mr. [redacted] concerning the above-referenced account.   Our records indicate the [redacted] account was opened on May 11, 2011 and was charged off on August 4, 2016 with a balance of $839.91.  Jefferson Capital Systems, LLC acquired the account on or about August 15, 2016.  In consideration of Mr. [redacted]’s claim that the account is not his account, 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,       [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector Phone: ###-###-####

December 7, 2016       Ms. [redacted] Revdex.com           220 S River Ridge Circle Burnsville, MN 55337   Re:      [redacted]...

            Jefferson Capital Systems, LLC, Account #[redacted]            Debt Description:  [redacted] Wireless Case ID:  [redacted]   Dear Ms. [redacted]:   We acknowledge receipt of your correspondence sent on behalf of Ms. [redacted] concerning the account referenced above.   Jefferson Capital Systems, LLC, acquired the [redacted] Wireless account on or around August 1, 2016, with a balance of $545.83.  In response to her claim the account was paid in full, we researched the matter with [redacted] Wireless.  They provided the enclosed statements which reflect the last payment received on October 26, 2013, the charges for usage of the telephone, and the early termination fees.  They also advised they did not receive any disputes with regard to the account.  Although we show a balance is due, as a courtesy, we have closed our file and terminated collection efforts.  We are also notifying the credit bureaus to delete our trade line from Ms. [redacted]’s 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:

Initial Business Response /* (1000, 5, 2015/12/03) */
December 3, 2015
Mr. [redacted]
Revdex.com
220 S River Ridge Circle
Burnsville, MN 55337
Re: [redacted]
Case #[redacted]
Dear Mr. [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. Please advise her to provide a copy of the Jefferson Capital Systems, LLC credit bureau trade line and we will further investigate this matter. This information can be sent to my attention via the mail at Jefferson Capital Systems, LLC, [redacted], St. Cloud, MN 56303 or by facsimile to [redacted].
We look forward to hearing from you shortly.
Sincerely,
Kathy [redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
[redacted]
Initial Consumer Rebuttal /* (3000, 7, 2015/12/04) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have enclosed what is showing on my Report Via Equfax and Exsperian Not sure about the other agency not able to check it from there also note the number for there business is incorrect on my report that is another Business who says he gets calls for them all the time and would like it to stop you can call him to verify ..
JEFFCAPSYS
12 [redacted]
Aug 03, 2015
Open
$1,143
Account Details
Last Reported Oct 16, 2015
Collection Agency JEFFCAPSYS
Original Creditor 12 [redacted]
Status Open
Opened Date Aug 03, 2015
Closed Date --
Responsibility Individual
Balance $1,143
High Balance $1,143
Remarks Placed for collection
Creditor Contact Details
JEFFERSON CAPITAL SYSTEM
[redacted]
SAINT CLOUD, MN
56303
(888) [redacted]
They had my account I called and talked to a lady there about it the day before I lodged the complaint
Also they can check under the name [redacted] Guy
Final Business Response /* (4000, 9, 2015/12/11) */
December 11, 2015
Mr. [redacted]
Revdex.com
220 S River Ridge Circle
Burnsville, MN 55337
Re: [redacted]
Jefferson Capital Systems, LLC Account Number: [redacted]
Debt Description: [redacted]
Case #[redacted]
Dear Mr. [redacted]:
We are in receipt of your recent correspondence sent on behalf of [redacted].
Based on the information Ms. [redacted] provided, we were able to locate a [redacted] account with a balance of $1,143.40 that was purchased by Jefferson Capital Systems, LLC in August 2015 under the name of [redacted] Guy. This account was placed with [redacted] for collections and was returned to us on December 1, 2015. A Right to Dispute letter was sent to Ms. [redacted] on December 3, 2015. Based on Ms, [redacted]'s dispute, 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 reply.
Sincerely,
Kathy [redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
[redacted]

I am rejecting this response because: they falsely give me information and told me it was no longer active when I just received in mail

November 29, 2016       Ms. [redacted] Revdex.com          220 S River Ridge Circle Burnsville, MN 55337   Re:      [redacted], Jr....

            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] concerning the above-referenced account.    Jefferson Capital Systems, LLC acquired the [redacted] account and balance of $9,508.26 on or around August 4, 2015.  Jefferson Capital Systems, LLC sent a Right to Dispute letter to Mr. [redacted] on August 12, 2016.  [redacted] provided us with the enclosed copy of the Explanation of Calculation of Surplus or Deficiency letter along with a Redemption and Reinstatement Form that was sent to Mr. [redacted].   Although a balance remains on the account, to resolve this matter, we have terminated collection efforts.  Additionally we have requested 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 ###-###-####   Enclosure:

Initial Business Response /* (1000, 5, 2015/08/18) */
August 18, 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 are in receipt of your correspondence sent on behalf of Mr. [redacted] concerning the [redacted] account.
Jefferson Capital Systems, LLC, acquired the [redacted] account and balance of $846.92 in June 2010. We show no previous written disputes or requests for validation of debt received. In response to his claim he has no knowledge of the debt, we have closed our file and terminated collection action. We are also notifying the credit bureaus 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 the matter.
Sincerely,
Shirley [redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
[redacted]

July 7, 2017       Revdex.com Attention: [redacted] 220 S. River Ridge Circle Burnsville, MN 55337   Re:          [redacted] / ID [redacted]...

                Jefferson Capital Systems, LLC account numbers: [redacted] and [redacted]                 Debt Description: [redacted] Wireless   Dear Ms. [redacted]:   We acknowledge receipt of your correspondence sent on behalf of Ms. [redacted] concerning the above-referenced accounts.   Jefferson Capital Systems, LLC acquired the account [redacted] with a balance of $907.80 on or about August 3, 2015; account [redacted] with a balance of $611.89 on or about December 1, 2015; and account [redacted] with a balance of $1,123.24 on or about December 1, 2015.  In order to resolve Ms. [redacted]’ dispute, we have terminated further collection efforts and closed our files.  We have also notified the bureaus to delete our trade lines.  This letter will also confirm that these accounts 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: ###-###-####

Initial Business Response /* (1000, 5, 2016/03/08) */
March 8, 2016
Mr. [redacted]
Revdex.com
220 S River Ridge Circle
Burnsville, MN 55337
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.
The[redacted] account was opened in October 2012 and charged off in March 2013. Jefferson Capital Systems, LLC purchased the account and balance of $1,100.96 and subsequently placed the account with Diversified Funding, Inc. for collections. Pursuant to Mr. [redacted]'s requesting for validation of this debt, enclosed is a copy of the final[redacted] billing statement dated February 22, 2013.
Based on Mr. [redacted]'s dispute, we have recalled this account and terminated collections. This letter will confirm the credit bureaus have deleted/suppressed the Jefferson Capital Systems, LLC 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
[redacted]
Enclosure:
Initial Consumer Rebuttal /* (2000, 7, 2016/03/17) */
(The consumer indicated he/she ACCEPTED the response from the business.)

April 6, 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, LLC acquired the [redacted] Wireless account and balance of $2,386.49 on or around February 1, 2016.  Ms. [redacted] states she spoke to someone regarding this account, however, we have no record of her speaking to a representative at Jefferson Capital Systems, LLC.  Based on her dispute that this is not her account and in order 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 [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

April 19, 2016 Mr. [redacted] Revdex.com          220 S River Ridge Circle Burnsville, MN 55337 Re:      [redacted]             Jefferson Capital...

Systems, LLC, Account Number: [redacted]             Debt Description:  Fingerhut Direct Marketing             ID Number:  [redacted] Dear Mr. [redacted]: We are in receipt of your correspondence sent on behalf of [redacted] concerning the above-referenced account.  The Fingerhut Direct Marketing account was opened in June 2013 and charged off in December 2014.  Jefferson Capital Systems, LLC purchased the account and balance of $853.36 in December 2014 and subsequently placed the account with Rausch, Sturm, Israel, Enerson & Hornik, LLC for collection efforts and they have filed suit on our behalf. In researching the matter, we were advised there were no telephone contacts with Ms. [redacted] and the Right to Dispute letter was sent to her.  Although we disagree with the merits of her dispute, we have instructed Rausch, Sturm, Israel, Enerson & Hornik, LLC to dismiss the suit and are awaiting confirmation of the dismissal.  Our file will be closed and collection action will be terminated. This letter will confirm that Jefferson Capital Systems, LLC is requesting the credit bureaus to delete our trade line from Ms. [redacted]’s credit file.  Thank you for the opportunity to be of service. Sincerely, [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted]

April 25, 2017       Ms. [redacted] Revdex.com          220 S River Ridge Circle Burnsville, MN 55337   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 $572.82 on or around April 14, 2015 and began reporting this account to the credit bureaus at that time.  Although the balance on his account is accurate, based on his dispute to resolve this matter, we have terminated collection efforts and have requested the credit bureaus delete our trade line from his 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 ###-###-####

Initial Business Response /* (1000, 5, 2015/05/20) */
May 19, 2015

Mr. [redacted]
Revdex.com
220 S River Ridge Circle
Burnsville, MN 55337
Re: [redacted]
Misdirected Calls
Case #[redacted]
Dear Mr. [redacted]:
We appreciate your contacting us on behalf of...

Mr. [redacted] regarding the calls he received for one of our customers.
In our efforts to locate our customer, we were inadvertently directed to Mr. [redacted]. This letter confirms that the telephone number of [redacted] has been removed from our files and that the necessary precautions have been taken to ensure Mr. [redacted] is not contacted again regarding the matter.
We apologize for any inconvenience Mr. [redacted] experienced and for the opportunity to respond.
Sincerely,
[redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
[redacted]

March 17, 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, LLC acquired the [redacted] Wireless account and balance of $328.22 on or around October 12, 2016.  A letter was sent to Ms. [redacted] on November 3, 2016 advising Jefferson Capital Systems, LLC was the new owner of this account.   Ms. [redacted] states she paid the [redacted] account in full.  Enclosed are copies of her [redacted] Wireless billing statements pertaining to her current balance.  As reflected on the June 2, 2014 statement, payment is full was received by [redacted] Wireless, however, monthly charges were assessed leaving a remaining balance of $130.28.    Based on her stated dispute and to resolve this matter, we have terminated collection efforts.   Additionally, we are requesting the credit bureaus to 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 ###-###-####   Enclosures:

January 16, 2018       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]   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 on or about November 16, 2016.  Suit was subsequently filed on December 12, 2017 in Jackson County Courthouse – Independence Court. We have reviewed Ms. [redacted]’s allegations and respectfully disagree with the merits of her dispute.  However, in order to resolve her dispute, we are dismissing the suit and terminating further 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: ###-###-####

Initial Business Response /* (1000, 5, 2015/05/01) */
May 1, 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 are in receipt of your correspondence sent on behalf of Mr. [redacted] concerning the[redacted] account.
Jefferson Capital Systems, LLC, purchased the[redacted] account and balance of $698.54 in April 2012. Based on Mr. [redacted]'s claim the account is not his, 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.
Sincerely,
[redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
[redacted]

June 12, 2017       Ms. [redacted] Revdex.com          220 S River Ridge Circle Burnsville, MN 55337   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 $327.00 on or around April 4, 2016.  A Right to Dispute letter was sent to Mr. [redacted] on November 17, 2016.  Based on Mr. [redacted]’s dispute and to resolve this matter, 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 ###-###-####

January 31, 2018       Ms. [redacted] Revdex.com          220 S River Ridge Circle Burnsville, MN 55337   Re:      [redacted]...

            Jefferson Capital Systems, LLC Account Number:  [redacted]             Debt Description:  [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] on January 31, 2018.  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 ###-###-####