Jefferson Capital Systems, LLC

July 14, 2016       Ms. [redacted] Revdex.com          220 S River Ridge Circle Burnsville, MN 55337   Re:      [redacted] ...

            Jefferson Capital Systems, LLC, Account #[redacted]             Debt Description:  [redacted]             ID Case:  [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] account on or around February 16, 2016, with a remaining balance of $1,231.88.  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. [redacted]’ credit bureau file.   We appreciate the opportunity to be of service.   Sincerely,       Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

August 31, 2017   Revdex.com Attention: [redacted] 220 S. River Ridge Circle Burnsville, MN 55337   Re:          [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 his above-referenced account. After review of Ms. [redacted]’s collection file, including correspondence and court documents, Jefferson Capital Systems, LLC (“Jefferson”) acted lawfully and appropriately in the collection of her past due account.    Pursuant to the Florida Debt Buyer statute FCCPA 559.715, a Notice of Assignment was sent to Ms. [redacted]’s current address on or about October 20, 2016.  See attached Notice of Assignment Letter. A validation notice was sent to Ms. [redacted]’s current address on or about November 22, 2016. See attached Validation Notice. There was no response from Ms. [redacted] or request for verification of her debt pursuant to the Fair Debt Collection Practices Act.    Upon review of the account Jefferson has acted legally and properly regarding this account. In response to Complaint, we will also provide Ms. [redacted] with Verification of the Account. We would encourage Ms. [redacted] to contact our offices at ###-###-####.   Thank you for the opportunity to respond.                                          ...⇄ Sincerely,   Katherine R. [redacted], Esq. Compliance Officer On behalf of Jefferson Capital Systems, LLC, A Debt Collector

January 20, 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 $1,045.21 on or around February 1, 2016 and subsequently placed the account with [redacted] (DRS) for collection efforts.  Our research concerning the calls Ms. [redacted] had with DRS indicates that they did not advise her that the account was going to be sold as her complaint alleges.  Rather they advised if their company was unable to make payment arrangements the account may be returned to us.    DRS also verified that the final payment received from Ms. [redacted] of $58.07 on January 13, 2017, was authorized.  In their final communication with Ms. [redacted] with prior to the payment she indicated that she would contact DRS if her financial situation would not allow for it to be withdrawn as scheduled.  However, in consideration of Ms. [redacted]’s financial situation we are refunding the $58.07 payment, which she will receive under separate cover shortly and are terminating collection efforts on her remaining balance.  Additionally 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 ###-###-####

January 4, 2018   Ms. [redacted]Revdex.com          220 S River Ridge CircleBurnsville, MN 55337 Re:      [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 4, 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 StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####    ere...

November 27, 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].   This letter will confirm we have responded directly to Mr. [redacted] on November 27, 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 ###-###-####

December 8, 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].   This letter will confirm we have responded directly to Mr. [redacted] on December 8, 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 ###-###-####

January 9, 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 $975.41 on or around December 1, 2015.  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 ###-###-####

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

            Complaint ID:  [redacted]   Dear Ms. [redacted]:   We are in receipt of your correspondence sent on behalf of Ms. [redacted] concerning a garnishment.   Based on the information provided in the communication, we did not locate an account for Ms. [redacted].  In order to investigate the matter and properly respond, we will need the account number, information with regard to a change in name or information regarding a change in address.   We look forward to receiving the requested information and the opportunity to respond to the matter.   Sincerely,       Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

August 4, 2017   Ms. [redacted]Revdex.com          220 S River Ridge CircleBurnsville, 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 $768.76 on or around February 13, 2017.  Jefferson Capital has no record of received a previous request for validation of this debt.  Although we disagree with the merits of Ms. [redacted]’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 transferred. Thank you for the opportunity to be of service. Sincerely,   Kathy [redacted]Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####

June 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]             Complaint ID:  [redacted]   Dear Mr. [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 $841.87 on or around April 4, 2016 and subsequently placed the account with [redacted] for collection efforts.  To resolve this matter, we have terminated collection efforts and are requesting the credit bureaus to delete our trade line from Mr. [redacted]’s credit file.  If there is a trade line reflected on his credit file other than Jefferson Capital Systems, LLC in regard to this account, he will need to dispute that trade line with 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 ###-###-####

September 1, 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 $446.14 on or around June 5, 2015.  Correspondence was received from Mr. [redacted] dated July 8, 2017 offering to pay for delete. Jefferson Capital Systems replied to his request advising we are reporting to the bureaus acutely.    We have no record of receiving a request for validation of the debt.  Enclosed are copies of the last 4 [redacted] Wireless billing statements. Please note the address and telephone number on the statements matches the address and phone number Mr. [redacted] provided in his correspondence.  However, based on his dispute and to resolve this matter, we have terminated collection efforts and have requested the bureaus delete our trade line.  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 25, 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 additional correspondence sent on behalf of [redacted].   As our letter of January 18, 2017 indicated, a request was submitted to the credit bureaus to delete our trade line.  This letter will confirm the credit bureaus have delete/suppressed the Jefferson Capital Systems, LLC trade line from Ms. [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 ###-###-####

Initial Business Response /* (1000, 5, 2015/08/04) */
August 4, 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 Ms. [redacted] concerning her credit bureau file and the account referenced above.
Jefferson Capital Systems, LLC, purchased the [redacted] account with a balance of $596.07 and sent the Right to Dispute letter to Ms. [redacted] on April 8, 2015. There is no record of receiving any previous written disputes regarding the account. Although we disagree with the merits of her dispute, we are notifying the credit bureaus to delete our trade line from her 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]
Initial Consumer Rebuttal /* (2000, 7, 2015/08/04) */
(The consumer indicated he/she ACCEPTED the response from the business.)

July 7, 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   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 $2,281.00 on or about August 3, 2015.  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 that 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: ###-###-####

January 13, 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 additional correspondence sent on behalf of [redacted].   Thank you for advising us that upon reviewing the billing statements we sent copies of documenting the charges on Ms. [redacted]’s account, she feels the charges she incurred from [redacted] Wireless for early termination were not assessed correctly.  As our letter of January 4, 2017 indicated, in order to resolve this matter we have terminated collection efforts.  This letter confirms the credit bureaus have deleted/suppressed the Jefferson Capital Systems, LLC 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 /* (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. Prior to April 28, 2015, we show no prior written requests for validation of the debt.
Jefferson Capital Systems, LLC, purchased the [redacted] account and balance of $680.16 in February 2012. Although we disagree with the merits of Mr. [redacted]'s dispute, 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.
Thank you for the opportunity to respond.
Sincerely,
[redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
[redacted]
Initial Consumer Rebuttal /* (2000, 7, 2015/05/01) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Satisfied if the debt is to be removed within the next 30 -45 days

December 4, 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].   This letter will confirm we have responded directly to Mr. [redacted] on December 4, 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 ###-###-####

July 7, 2017       Revdex.com Attention: [redacted] 220 S. River Ridge Circle Burnsville, MN 55337   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 $1,426.37 on or about April 14, 2015.  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: ###-###-####

January 22, 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]             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 22, 2018. Ms. [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 ###-###-####

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: ###-###-####