Jefferson Capital Systems, LLC

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] Wireless             Complaint ID#: [redacted]             Dear Ms. [redacted]:   We are in receipt of your correspondence sent on behalf of [redacted].   This letter will confirm we have responded directly to Ms. [redacted] on January 31, 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 24, 2016       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] concerning the above-referenced account.   Jefferson Capital Systems, LLC acquired the [redacted] account and balance of $583.03 on or around August 3, 2015.  In researching this matter with [redacted], we were advised the last payment received on the account was in December 2012, however, this payment did not pay the account in full.  Although his account still reflects a balance, to resolve this matter we have terminated collections and have requested the credit bureaus to delete our trade line from his credit file.  This letter confirms this account will not be sold or transferred.    We appreciate the opportunity to be of service.   Sincerely,       Kathy [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

March 30, 2016 Mr. [redacted] Revdex.com          220 S River Ridge Circle Burnsville, MN 55337 Re:      [redacted]             Jefferson Capital...

Systems, LLC, Account Number:  [redacted]             Debt Description:  Verizon Wireless             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 purchased the [redacted] account and balance of $3,828.68 in February 2016.  Ms. [redacted] notified us of her bankruptcy on March 23, 2016 at that which time we confirmed the bankruptcy and terminated collection efforts. This letter will confirm the credit bureaus have deleted/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 [redacted]

March 28, 2018       Mr. [redacted] Revdex.com  220 S River Ridge Circle Burnsville, MN 55337   Re:          [redacted] / ID [redacted]   Dear Mr. [redacted]:   We acknowledge receipt of your correspondence...

sent on behalf of Ms. [redacted] concerning the above-referenced account.   This letter will confirm that on March 28, 2018, we responded directly to Ms. [redacted].  She should allow 7-10 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:

December 26, 2017   Ms. [redacted]Revdex.com          220 S River Ridge CircleBurnsville, MN 55337 Re:      [redacted]...

[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 December 26, 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 StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####

March 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]             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] account and balance of $2,444.14 on or around November 19, 2013.  Pursuant to Mr. [redacted]’s request for validation of this debt, enclosed is a Student Ledger.  Although a balance is due, to resolve this matter we have terminated collection efforts and are requesting the credit bureaus 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 ###-###-####   Enclosure:

July 31, 2017       Ms. [redacted] Revdex.com          220 S River Ridge Circle Burnsville, MN 55337   Re:      [redacted]            ...

Jefferson Capital Systems, LLC Account Number:  [redacted]             Debt Description:  [redacted]             Complaint ID#: [redacted]             Dear Ms. [redacted]:   We are in receipt of your correspondence sent on behalf of [redacted].   Jefferson Capital Systems, LLC acquired the [redacted] account and balance of $8,616.76 on or around August 4, 2015.  This account is for a 2006 Chrysler PT Cruiser.  Enclosed is a copy of the Simple Interest Retail Installment Contract.  Although we disagree with the merits of Mr. [redacted]’s dispute, 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 ###-###-####   Enclosure:

March 30, 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.  The [redacted] account was opened in March 2013 and charged off in August 2013.  Jefferson Capital Systems, LLC purchased the account and balance of $1,192.03 in October 2015 and subsequently placed the account with [redacted] for collections.  [redacted] sent Right to Dispute letters to Mrs. [redacted] on November 11, 2015, January 15, 2016 and February 5, 2016.  We have no record of receiving a previous dispute on this account. To resolve this matter, we have recalled the account, terminated collection efforts and 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 [redacted]

January 8, 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] 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 January 8, 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 ###-###-####

December 12, 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 Mr. [redacted] concerning the above-referenced account.  We received similar correspondence from the Consumer Financial Protection Bureau.   The correspondence we received from the Revdex.com references an [redacted]’s account.  Jefferson Capital Systems, LLC has no record of an [redacted]’s account in Mr. [redacted]’s name.   Jefferson Capital Systems, LLC acquired the [redacted] Wireless account and balance of $2,592.78 on or about December 1, 2015.  We have no record of Mr. [redacted] disputing the account until October 2017.  In response to an Automated Consumer Dispute Verification request received in November 2017, we terminated collection efforts and notified the bureaus to delete our trade line.    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

I am rejecting this response because:
I will not accept this as a response until I see what their response is in the mail.

Initial Business Response /* (1000, 5, 2015/11/23) */
November 23, 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.
The [redacted] account was opened in September 2011 and charged off in May 2013. Jefferson Capital Systems, LLC, purchased the account and balance of $608.14 in August 2015. Enclosed are reprints of the billing statements representing charges from November 10, 2012 to May 1, 2013. A letter was sent to Mr. [redacted] advising we were the current owners of the account as well as the Right to Dispute letter. The account was placed with [redacted]) on September 4th for collection efforts. On September 28th, Mr. [redacted] spoke with a representative at Jefferson Capital Systems, LLC, and was advised we had placed the account with [redacted] and we would be informed of any payments he made to them and his credit file would be updated and reported accurately. To resolve the dispute, we have recalled the account and terminated collection action. We are also notifying the credit bureaus to delete our trade line from Mr. [redacted]'s credit file.
Thank you for the opportunity to address the matter.
Sincerely,
Shirley [redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
[redacted]
Enclosure:

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 me. With that being said in my initial complaint I asked.for a letter sent via mail!,and email something from Jefferson Capitol there letterhead stating there response giving today on the matter!! As long as the letter and or email is here to me in 5-7 business days! For my records.to.submitt to credit Beureas in event the account is not removed.on my behalf! I will be 100% satsified

December 14, 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 Ms. [redacted] on December 14, 2017.  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 ###-###-####

Initial Business Response /* (1000, 5, 2015/06/12) */
June 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]
Case #[redacted]
Dear Mr. [redacted]:
We acknowledge receipt of your correspondence sent on behalf of Mr. [redacted] concerning the above-referenced account which we purchased in December 2013 from [redacted].
Enclosed is the Promissory Note provided by [redacted] with regard to the account. The current balance is $864.22. The account charged off in December 2013 and is within the applicable credit reporting period. Jefferson Capital Systems, LLC, is willing to accept $432.11, representing a 50% savings, as full and final satisfaction of the debt. Please advise Mr. [redacted] to call our toll-free number, [redacted], to make payment arrangements.
As a courtesy, we have notified the credit bureaus to delete our trade line from Mr. [redacted]'s 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
[redacted]
Enclosure:

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 me. There is no address listed in the response, but I am assuming that would be the address listed on the Jefferson Capital website of 16 McLeland Rd, St. Cloud, MN 56303

Initial Business Response /* (1000, 5, 2015/07/01) */
July 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 Ms. [redacted] concerning her [redacted] account.
Jefferson Capital Systems, LLC, acquired the [redacted] account and balance of $1,219.77 in July 2010. According to the information provided at the time of acquisition, the account was not part of the FTC settlement referenced in Ms. [redacted]'s communication. To resolve the matter, however, 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.
Thank you for the opportunity to address Ms. [redacted]'s concerns.
Sincerely,
Shirley [redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
[redacted]
Initial Consumer Rebuttal /* (2000, 7, 2015/07/01) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response /* (1000, 5, 2016/01/22) */
January 22, 2016
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]
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] account, under the name of [redacted], and balance of $30.70 in March 2015. Prior to January 19, 2016, we have no record of Ms. [redacted] disputing the account. In response to her January 19, 2016 phone call, a fraud affidavit was sent on January 20, 2016. This letter will confirm that we have terminated further collection efforts and closed our file. In June 2015, we notified the bureaus to delete the trade line from Ms. [redacted]'s credit file. We have again notified the bureaus to take that action.
Thank you for the opportunity to respond.
Sincerely,
Sharon [redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
Phone: (866) [redacted]
Initial Consumer Rebuttal /* (3000, 7, 2016/01/22) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I will accept it as soon as all 3 companies have removed it from my file
Final Business Response /* (4000, 9, 2016/02/03) */
February 3, 2016
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]
Dear Mr. [redacted]:
We acknowledge receipt of your additional correspondence sent on behalf of Ms. [redacted] concerning the above-referenced account.
In June 2015 and again on January 20, 2016, we notified the bureaus to delete the Jefferson Capital Systems, LLC trade line from Ms. [redacted]'s credit file. If our trade line should continue to reflect on her credit bureau report, Ms. [redacted] should dispute the trade line directly with the bureaus.
Thank you for the opportunity to respond. We regret we are unable to be of further assistance.
Sincerely,
Sharon [redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
Phone: (866) [redacted]

Initial Business Response /* (1000, 5, 2015/11/20) */
November 20, 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 correspondence sent on behalf of [redacted] concerning the above-referenced account.
Jefferson Capital Systems, LLC, purchased the [redacted] account and balance on $2,372.43 in April 2015. This account was opened in December 2011 and charged off for collections in January 2013. In response to Ms. [redacted]'s stated dispute, we have terminated collection efforts and requested the credit bureaus to 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
[redacted]

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] Checking...

Account
Case #[redacted]
Dear Mr. [redacted]:
We acknowledge receipt of your correspondence sent on behalf of Ms. [redacted] concerning the account referenced above.
According to the information provided, the [redacted] Checking account was opened in July 2010 and charged off in November 2010. Jefferson Capital Systems, LLC, purchased the account in February 2015 from [redacted], with a balance of $596.42. The account was subsequently placed with [redacted], for collection efforts and they sent the Right to Dispute letter on May 16th. To resolve Ms. [redacted]'s dispute and as a courtesy, the account has been recalled and collection action terminated. This confirms the account will not be sold and we are notifying the credit bureaus to delete our trade line. Please allow the credit bureaus 30 days to update their records.
Thank you for the opportunity to reply.
Sincerely,
Shirley [redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
[redacted]
Initial Consumer Rebuttal /* (2000, 7, 2015/08/18) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank you for your prompt response and cooperation!