Jefferson Capital Systems, LLC

March 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]             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 $193.79 on or around November 16, 2015.  To resolve this matter, we have terminated collection efforts and are requesting the credit bureaus delete our trade line from her credit file.  This letter will confirm this account will not be sold or transferred.   Thank you for the opportunity to be of service.   Sincerely,       Kathy [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

July 12, 2017   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].  We are unable to locate an account for Ms. [redacted] with the information she has provided.  Based on her dispute, we have placed the telephone number she provided of ###-###-#### on our Do-Not-Call list.  If Ms. [redacted] is receiving calls at another number, she will need to provide the telephone number so we may further investigate this mater. Thank you for the opportunity to be of service. Sincerely,   Kathy [redacted]Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####

February 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 $874.88 on or around February 1, 2016.  Pursuant to Mr. [redacted]’s request for validation of this debt, enclosed is a copy of the final [redacted] Wireless billing statement.  Although a balance remains on the account, to resolve this matter, we have terminated collection efforts and requested 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:

Initial Business Response /* (1000, 5, 2015/04/28) */
April 28, 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 the above-referenced account.
Jefferson Capital Systems, LLC, purchased the[redacted] account and balance of $679.75 from [redacted], in February 2015. In response to Ms. [redacted]'s communication, we are notifying the credit bureaus to delete our trade line from her credit bureau file. Please allow 30 days for the credit bureaus to update their records.
We appreciate being of service to your office.
Sincerely,
[redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
[redacted]
Initial Consumer Rebuttal /* (2000, 7, 2015/04/28) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I requested that they remove this item from the credit bureau reporting agencies and to my understanding they are going to do so. I would appreciate notification of when this is completed.

April 14, 2016 Mr. [redacted] Revdex.com          220 S River Ridge Circle Burnsville, MN 55337 Re:      [redacted]             Jefferson Capital...

Systems, LLC, Account #[redacted]             Debt Description:  [redacted]             Complaint ID:  [redacted] Dear Mr. [redacted]: We are in receipt of your correspondence sent on behalf of Ms. [redacted] concerning the [redacted] account. Our records indicate the [redacted] account was opened in June 2013 and charged off in November 2013. Jefferson Capital Systems, LLC, purchased the account in February 2016 with a balance of $660.94.  Enclosed are reprints of the last two billing statements pertaining to the balance.  We do not show any written or verbal requests for validation of the debt were received.  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]’s credit bureau file.  This confirms the account will not be sold or transferred. We appreciate the opportunity to be of service. Sincerely, [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted] Enclosure:

August 29, 2016       Ms. [redacted] Revdex.com           220 S River Ridge Circle Burnsville, MN 55337   Re:      [redacted]             Jefferson Capital Systems, LLC, Account #’s: [redacted] and [redacted]             Debt Description:  [redacted]
[redacted]             Case ID:  [redacted]   Dear Ms. [redacted]:   We are in receipt of your additional correspondence sent on behalf of Ms. [redacted] concerning the accounts referenced above.   In our previous reply dated August 19, 2016, we included copies of the Promissory Notes and statements regarding the accounts referenced above.  We advised both accounts were placed with [redacted] for collections on our behalf and that a lawsuit was filed on the [redacted] account.  We also advised we instructed [redacted] to dismiss the lawsuit and this confirms no other lawsuit has been filed.    We are sending the Promissory Notes and statements along with a copy of this letter under separate cover to Ms. [redacted].  To discuss payment arrangements on the accounts, Ms. [redacted] should contact [redacted] by calling ###-###-#### and requesting to speak with Allen [redacted] or by writing to the address of [redacted], Phoenix, AZ 85016.    We appreciate the opportunity to respond.   Sincerely,       Shirley [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 [redacted] concerning the above-referenced account.   Jefferson Capital Systems, LLC acquired the [redacted] account and balance of $846.48 on or about March 31, 2017. Under separate cover we are writing directly to [redacted] and are providing four billing statements from [redacted] as verification of the debt.   A review of the statements show that the billing address matches the address on [redacted]’ complaint to your office and show that [redacted] provided service to the phone number ###-###-####, which is listed on the complaint you received as [redacted]’ daytime phone.    Although we disagree with the merits of [redacted]’ complaint, we have notified the bureaus to delete our trade line.  We have also included in our response an offer to accept 50% of the balance of $846.48 in satisfaction of the debt.     Thank you for the opportunity to respond.   Sincerely,       Kathy [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector Phone: ###-###-####

November 2, 2016       Ms. [redacted] Revdex.com           220 S River Ridge Circle Burnsville, MN 55337   Re:      [redacted]...

            Jefferson Capital Systems, LLC, Account #[redacted]            Our Client:  [redacted] (FPB) Original Creditor:  [redacted] Case ID:  [redacted]   Dear Ms. [redacted]:   We acknowledge receipt of your correspondence sent on behalf of Ms. [redacted] concerning the account referenced above.   The above-referenced account was placed with us by our client on or around May 11, 2016, with a balance of $402.65.  We subsequently sent Ms. [redacted] a Payment Rewards Program offer letter providing the option of monthly payments of $20.00 or a total payment of $200.00 would complete the program payment qualifications.  This confirms we did receive a payment in the amount of $20.00 on October 10, 2016.   In response to the communication received and to resolve the matter, we have closed our file and terminated collection action on the account.   Jefferson Capital Systems, LLC, has not reported any information regarding the account to the credit bureaus.  We are also sending a refund in the amount of $20.00 under separate cover to Ms. [redacted].    We appreciate the opportunity to clarify our position in this matter.   Sincerely,       Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

November 17, 2016       Ms. [redacted] Revdex.com           220 S River Ridge Circle Burnsville, MN 55337   Re:      [redacted]...

            Jefferson Capital Systems, LLC, Account #[redacted]             Debt Description:  [redacted]             Case ID:  [redacted]   Dear Ms. [redacted]:   We are in receipt of your correspondence sent on behalf of Mr. [redacted] concerning the account referenced above.   Jefferson Capital Systems, LLC, acquired the [redacted] account on or around November 19, 2013, with the balance of $3,147.00 and after we issued a credit of $314.70, the balance is $2,832.00.  Enclosed are copies of the Application/Enrollment Agreement and the Student Ledger for Mr. [redacted].  Although we feel the balance is rightfully due, as a courtesy and in order to resolve the matter, we have closed our file and terminated collection action.  We are also requesting the credit bureaus to delete our trade line from his 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, 2015/05/01) */
[redacted] 1, 2015
Mr. [redacted]
Revdex.com
[redacted] S [redacted] XXXXX
Re: [redacted]
Jefferson Capital Systems, LLC, Account #XXXXXXXXXX
Debt Description: Action Card
Case...

#XXXXXXXX
Dear Mr. [redacted]
We are in receipt of your correspondence sent on behalf of Ms. [redacted] concerning her Action Card account.
Jefferson Capital Systems, LLC, acquired the Action Card account and balance of $1,772.95 in March 2010. Based on the information provided, the account was opened in November 2002 and charged off in February 2010. The information reflected on her credit file is regarding the previous owner payment information. Although we disagree with the merits of her dispute, as a courtesy, we have closed our file and terminated collection efforts.
Thank you for the opportunity to respond.
Sincerely,
[redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
XXX-XXX-XXXX
Initial Consumer Rebuttal /* (3000, 8, 2015/05/01) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have read Jefferson Capital response but they did not mention anything about deleting the trade line. Please remove the trade line from TransUnion, Experian and Eqifax.
Thank you
Final Consumer Response /* (4200, 26, 2015/05/26) */
Jefferson Capital has removed two of the three but has not removed this one.
JEFFERSON CAPITAL SY
Show Details XXXXXXXXXX 09/27/2011 $338 04/29/2015 $338 COLLECTION ACCOUNT
Final Business Response /* (4000, 28, 2015/05/27) */
[redacted] 27, 2015
Mr. [redacted]
Revdex.com
[redacted] S [redacted] XXXXX
Re: [redacted]
Jefferson Capital Systems, LLC, Account #XXXXXXXXXX
Debt Description: Action Card
Jefferson Capital Systems, LLC, Account #XXXXXXXXXX
Debt Description: Salute Gold Card
Jefferson Capital Systems, LLC, Account #XXXXXXXXXX
Debt Description: Fingerhut Direct Marketing
Case #XXXXXXXX
Dear Mr. [redacted]
We are in receipt of your additional correspondence sent on behalf of Ms. [redacted] concerning her credit bureau file.
In Ms. [redacted]'s previous communications, she mentioned the Action Card account and made no reference to the additional two accounts reflected above. Although we disagree with the merits of her dispute, to resolve the matter, we have closed our files and terminated collection efforts. This confirms the credit bureaus have been notified to delete our trade line for the Fingerhut Direct Marketing account and that the bureaus have deleted/suppressed the trade lines for the other two accounts. Ms. [redacted] needs to allow the credit bureaus 30 days to update their records.
Thank you for the opportunity to clarify the matter.
Sincerely,
[redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
XXX-XXX-XXXX

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 $218.14 in July 2014. We have no record of the account being paid in full. To resolve Mr. [redacted]' dispute, however, we have closed our file and terminated collection efforts. We are also notifying the credit bureaus to delete our trade line from his credit bureau file.
We appreciate the opportunity to resolve the matter.
Sincerely,
[redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
[redacted]

Initial Business Response /* (1000, 5, 2016/02/15) */
February 15, 2016

Mr. [redacted]
Revdex.com
220 S River Ridge Circle
Burnsville, MN 55337
Re: [redacted]
[redacted] Account
Case #[redacted]
Dear Mr. [redacted]:
We acknowledge receipt of your...

correspondence sent on behalf of Mr. [redacted] concerning his credit bureau file.
We have searched our files with the name and address provided on the communication and did not locate an account in the name and address reflected on the complaint. In order to respond properly to the concerns addressed, we need to have the Jefferson Capital Systems, LLC, account number reflected on his credit bureau file, any changes of address, and the last four digits of his social security number. When received, we will investigate and respond.
We look forward to receiving the requested information.
Sincerely,
Shirley [redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
[redacted]
Initial Consumer Rebuttal /* (3000, 7, 2016/02/16) */
Last four of social security number [redacted]
No account number listed by Jefferson Capital Systems
my previous home address [redacted],Miami Florida 33129
Final Consumer Response /* (2000, 11, 2016/02/19) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Final Business Response /* (4000, 9, 2016/02/19) */
February 19, 2016
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 additional correspondence sent on behalf of Mr. [redacted] concerning the account referenced above.
Based on the information Mr. [redacted] provided, we were able to locate the account referenced in his initial communication. Our records indicate the [redacted] account was opened in May 2011 and charged off in January 2013. Jefferson Capital Systems, LLC, purchased the account and balance of $388.52 in April 2015. We show no previous written requests for validation of the debt were received. Enclosed are reprints of Mr. [redacted]'s last three billing statements representing the balance of $388.52. In response to his dispute and as a courtesy, we have closed our file and terminated collection efforts. We are also requesting the credit bureaus to delete our trade line from his credit bureau 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:

July 25, 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] MasterCard             Complaint ID:  [redacted]   Dear Ms. [redacted]:   We are in receipt of your correspondence sent on behalf of [redacted] concerning the above-referenced account.   The [redacted] account was placed in our office by our client for collection efforts.  A settlement agreement was made with Ms. [redacted] and payment of $236.98 was received on July 18, 2016.  A settled in full confirmation letter was faxed on July 21, 2016, as requested. We will advise our client of the settlement.    As the servicer of the account, Jefferson Capital Systems, LLC has not reported this account to the credit reporting agencies.  If there is a trade line on her credit file in reference to this account Ms. [redacted] should dispute the trade line with the credit bureaus.   We appreciate the opportunity to be of service.   Sincerely,       Kathy [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me but I  want to ensure that this will be deleted, and the debt will not be added back to my credit reports at any time.

Initial Business Response /* (1000, 5, 2015/04/09) */
April 9, 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 Miss [redacted] concerning the above-referenced account.
The [redacted] account was opened in August 2008 and charged off in May 2009. Jefferson Capital Systems, LLC, purchased the account in November 2010 and in December 2010, Miss [redacted] was sent a letter advising her Jefferson Capital Systems, LLC, was the current creditor of the [redacted] account. Since that time, the account was placed with six different agencies for collection efforts. To resolve the dispute, we have closed our file and terminated collection and this confirms the account will not be sold. We are also notifying the credit bureaus to delete our trade line from her credit bureau file.
Thank you for the opportunity to address the matter and be of service to your office.
Sincerely,
[redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
[redacted]

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. I take this as notification that this debt has been accurately disputed and I will not receive further bills or any attempts to collect on this debt from Jefferson Capital Systems or any other collection agency.

September 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].   Jefferson Capital Systems, LLC acquired the [redacted] Wireless account and balance of $589.26 on or around October 7, 2015.  Based on Ms. [redacted]’s dispute, we have terminated collection efforts and requested the credit bureaus delete our trade line from her credit file.  This letter will confirm this account will not be sold or transferred.        Thank you for the opportunity to be of service.   Sincerely,       Kathy [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

August 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 $297.98 on or around August 3, 2015.  Based on your dispute and to resolve this matter, we have terminated collection efforts and are requesting 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 ###-###-####

July 19, 2017   Ms. [redacted]Revdex.com          220 S River Ridge CircleBurnsville, MN 55337 Re:      [redacted]            Jefferson Capital Systems, LLC Account Number:  [redacted]            Debt Description:  P[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 we advise in our previous correspondence, the P[redacted] account has been returned to our client.  Jefferson Capital Systems, LLC has not reported this account to the bureaus and we have no control of the reporting done by other companies.  We have forwarded the additional correspondence to P[redacted]. This letter will confirm we have terminated collection efforts on the [redacted] Wireless account and the credit bureaus have deleted/suppressed our trade line from her credit file. Thank you for the opportunity to be of service. Sincerely,   Kathy [redacted]Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-#### e...

March 27, 2017       Ms. [redacted] Revdex.com          220 S River Ridge Circle Burnsville, MN 55337   Re:      [redacted] Jefferson Capital Systems, LLC Account Number:  [redacted]...

            Our Client:  [redacted] Bank             Debt Description:  [redacted] Bank             Complaint ID #:  [redacted]   Dear Mr. [redacted]   We acknowledge receipt of your correspondence on behalf of [redacted].    This account and balance of $1,020.47 was placed with Jefferson Capital Systems, LLC for collections by our client on or around October 13, 2016.  Based on Mr. [redacted]’s correspondence, we have closed our file and returned the account to our client.  We are also forwarding your correspondence to them for review.   Thank you for the opportunity to respond.    Sincerely,       Kathy [redacted] On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####