Jefferson Capital Systems, LLC

Initial Business Response /* (1000, 5, 2015/10/08) */
[redacted]response has been scanned in and converted to text below (original document is available using the online complaint system).
We acknowledge receipt of your correspondence sent on behalf of Ms. [redacted] concerning the account referenced...

above.
Jefferson Capital Systems, LLC, purchased the [redacted] account and balance of $973.40 in August 2015. Enclosed please find a copy of the final billing statement reflecting the balance. In order to resolve Ms. [redacted]' dispute, this confirms we have notified the credit bureaus to delete our trade line from her credit bureau file and have closed our file and
terminated collection efforts.
Thank you for the opportunity to be of service.

I am rejecting this response because: I want a representative from Jefferson Capital LLC to contact me and explain to me why there was never an attempt to reach out to me to discuss this collection item prior to reporting it to the major credit bureaus.  I understand that Ms. [redacted]'s response to the Revdex.com states that they are confident that the correspondence they sent me will resolve this case in a satisfactory matter (which it should because I sent an abundance of information to prove that this was identity fraud), but that still does not negate the fact that Jefferson Capital had my correct cell phone number as well as my correct physical address and not one attempt was made, since they obtained the account on October 1, 2017, to reach out to me.  Instead they arbitrarily report to the major credit bureaus and demolished my impeccable credit.  That could have been avoided had they made one phone call or sent one letter.  And it could not have come at a worse time considering that my wife and I were beginning the process of purchasing a new home, but now have to put that on hold until this negative item is removed from my credit report (since my score went from 810 down to 672.  We have already missed out on the home we intended to purchase as it sold to another buyer.  You cannot tell me that how they handled my case was done in a legal manner based on collection policies and practices.

Initial Business Response /* (1000, 7, 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 April 2013 and charged off in December 2014. Jefferson Capital Systems, LLC purchased the account and balance of $1,539.57 in December 2014 and subsequently placed the account with [redacted] for collections.
After further research with [redacted], they advises us a Right to Dispute letter was sent to Ms. [redacted] on July 27, 2015. On February 1, 2016 a second letter was sent offering her a settlement. [redacted] has filed suit with the 67th District Court Mount Morris and the suit was received by the courts on February 1, 2016. Any further communications or questions should be directed to that firm via telephone at [redacted] or by mail at [redacted], Bingham Farms, MI 48025.
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]

October 6, 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].  This letter will confirm we have responded directly to [redacted] on October 6, 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 [redacted]Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####

Tell us why here... March 30, 2016Mr. [redacted]Revdex.com          220 S River Ridge CircleBurnsville, MN 55337Re:      [redacted]            Jefferson...

Capital Systems, LLC, Account #[redacted]            Debt Description:  [redacted]            Complaint #[redacted]Dear Mr. [redacted]:We are in receipt of your correspondence sent on behalf of Mr. [redacted] concerning the account referenced above.Our records indicate the [redacted] account was opened in October 2012 and charged off in April 2013.  Jefferson Capital Systems, LLC, purchased the account in October 2015 with a balance of $1,871.34.  Enclosed please find two billing statements provided by [redacted] regarding the debt.  We received Mr. [redacted]’s previous communication on March 7th and responded on March 9th advising we ceased collection of the account and requested the credit bureaus to delete our trade line. The Right to Dispute letter was sent on March 11th but there were no collection efforts being made.  This confirms collection action has been terminated and the request sent to the credit bureaus to delete our trade line.  This also confirms the account will not be sold or transferred.We appreciate the opportunity to address the matter.Sincerely,Shirley [redacted]Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####Enclosure:

October 11, 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].  This letter will confirm we have responded directly to Mr. [redacted] 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 [redacted]Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####

May 25, 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 Ms. [redacted] concerning the above-referenced account.  We received similar correspondence from the Consumer Financial Protection Bureau.   Jefferson Capital Systems, LLC acquired the [redacted] Wireless account and balance of $1,484.28 on or about March 31, 2017.  To resolve Ms. [redacted]’ 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,       Sharon [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector Phone: ###-###-####   C:            Consumer Financial Protection Bureau

Initial Business Response /* (1000, 5, 2015/06/11) */
June 11, 2015
Mr.[redacted]
Revdex.com
220 S River Ridge Circle
Burnsville, MN 55337
Re: [redacted] Jr.
Jefferson Capital Systems, LLC, Account #[redacted]
Debt Description: [redacted] Checking...

Account
Case #[redacted]
Dear Mr. [redacted]:
We are in receipt of your correspondence sent on behalf of Mr. [redacted] concerning the account referenced above.
Jefferson Capital Systems, LLC, purchased the [redacted] Checking Account and balance of $633.41 in February 2015 from [redacted]. According to the information provided, the account was opened in September 2010 and charged off in December 2010. In response to Mr. [redacted]'s dispute, this communication confirms we have closed our file and terminated collection action. The account will not be sold or transferred and we are notifying the credit bureaus to delete our trade line from Mr. [redacted]'s credit file. Please allow 30 days for the credit bureaus to update their records.
We appreciate the opportunity to resolve this matter.
Sincerely,
[redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
[redacted]
Initial Consumer Rebuttal /* (2000, 7, 2015/06/12) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I am satisfied with the outcome as all my issues have been addressed and resolved.

September 28, 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].   This letter will confirm we have responded directly to Ms. [redacted] on September 28, 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 [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

July 19, 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] Wireless             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] Wireless account and balance of $741.92 on or around October 7, 2015 and subsequently placed the account with [redacted] for collection efforts.  [redacted] has confirmed a settlement was agreed upon and a payment arrangement was completed.  Based on your communication, [redacted] has cancelled the payment arrangement and placed your telephone numbers of ###-###-####, ###-###-#### and ###-###-#### on their do not call list.    To resolve this matter, Jefferson Capital Systems, LLC has recalled your account and terminated collection efforts.  We are also requesting the credit bureaus to delete our trade line from your credit file.   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 14, 2018       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].   This letter will confirm we have responded directly to Mr. [redacted] on March 14, 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.  Attached is a copy of our response.    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 20, 2015
Mr. [redacted]
Revdex.com
220 S River Ridge Circle
Burnsville, MN 55337
Re: [redacted]
Jefferson Capital Systems, LLC, Account #[redacted]
Original Creditor:...

[redacted]
Case #[redacted]
Dear Mr. [redacted]:
We are in receipt of your correspondence sent on behalf of Ms. [redacted] concerning the account referenced above.
Jefferson Capital Systems, LLC, purchased the[redacted] account in January 2014 and subsequently placed the account with [redacted] (RSE), for collection efforts. In order to resolve Ms. [redacted]' dispute, we have recalled the account from RSE and have requested the firm to dismiss the law suit and are awaiting confirmation of the dismissal. Information regarding the law suit would not be reported to the credit bureaus and this confirms Jefferson Capital Systems, LLC, is not reporting any information regarding the account to the credit bureaus.
Thank you for the opportunity to resolve this matter.
Sincerely,
[redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
[redacted]
Initial Consumer Rebuttal /* (2000, 7, 2015/05/22) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response /* (1000, 5, 2015/08/10) */
August 10, 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 [redacted] account.
Jefferson Capital Systems, LLC, purchased the [redacted] account and balance of $2,667.02 in June 2015. In researching the matter with [redacted], we were advised the account was confirmed as fraud and we have closed our file. This communication confirms the account is being placed back with [redacted] and the credit bureaus have been notified to delete our trade line from Ms. [redacted]' credit bureau file.
We appreciate the opportunity to resolve this matter.
Sincerely,
Shirley [redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
[redacted]
Initial Consumer Rebuttal /* (2000, 7, 2015/08/10) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank you for assisting on this matter. This was exactly the response I was expecting.

Initial Business Response /* (1000, 6, 2015/04/27) */
April 27, 2015


Mr. [redacted]
Revdex.com
220 S River Ridge Circle
Burnsville, MN 55337
Re: Ms. [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 Ms. [redacted] concerning the above-referenced account.
Jefferson Capital Systems, LLC, purchased the [redacted] account and balance of $835.28 in December 2011. In response to Ms. [redacted]' claim the account is not hers, we have closed our file and terminated collection action. This confirms we have also taken the necessary steps to ensure Ms. [redacted] is not contacted again via the telephone regarding this matter.
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]
Initial Consumer Rebuttal /* (3000, 8, 2015/04/27) */
(The consumer indicated he/she DID NOT accept the response from the business.)
how was this acct purchased in 2011, it was a charged off acct as of 10/17/2002? Isn't the statue of limitations 7 years? I believe your company is dishonest and was phishing for any [redacted] who would fall for paying this phoney bill.
I wonder how many complaints the Revdex.com has against your company? That information wasn't given in the letter.

I am rejecting this response because:The provided response is the first time I have been informed of any other alleged debts purchased by Jefferson Capitol Systems, LLC.  I again want to request that if any other lawsuits or courts cases have been filed against me in regards to either of these alleged debts, that they be dropped immediately!Jefferson Capitol Systems, LLC has also neglected to provide any original proof of purchase documentation for these alleged debts.  As there are numerous recent Revdex.com and online complaints against this company and their practices, I request this documentation be provided to further guard against possible fraud.

Initial Business Response /* (1000, 5, 2015/06/25) */
June 25, 2015
Mr. [redacted]
Revdex.com
220 S River Ridge Circle
Burnsville, MN 55337
Re: [redacted]
Jefferson Capital Systems, LLC, Account #'s: [redacted] and [redacted]
Case #[redacted]
Dear Mr....

[redacted]:
We are in receipt of your correspondence sent on behalf of Mr. [redacted] concerning his credit file and the accounts referenced above.
In researching this matter with our client, we find no connection to the accounts listed above with Mr. [redacted]. It appears there may be some confusion with the credit bureaus due to the similarity in the account name. This letter confirms we have contacted the credit bureaus to delete our trade lines from Mr. [redacted]'s credit file. Please allow thirty days for the credit bureaus to update their records. In the meantime, Mr. [redacted] can present this letter to his creditors as proof of the actions being taken.
We appreciate Mr. [redacted] bringing this matter to our attention and for 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, 2015/06/26) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I am satisfied with the quick response from Jefferson Capital Systems. I hope the credit bureaus will do the same in a timely manner.
Thank you.

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 $2,478.01 on or about October 12, 2016.  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: ###-###-####

June 6, 2016       Mr. [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 Mr. [redacted]:   We are in 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 July 15, 2014 with a balance of $88.40.   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 respond.   Sincerely,       Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

Initial Business Response /* (1000, 5, 2016/03/15) */
March 15, 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 Mr. [redacted] concerning his above-referenced account.
Jefferson Capital Systems, LLC purchased Mr. [redacted]'s [redacted] account and balance of $953.18 in December 2015. Per his request, enclosed is verification of the debt. In response to Mr. [redacted]'s previous communication, a letter was sent on March 3, 2016 informing him that we ceased collection of the account. In addition, we requested that the consumer reporting agencies delete the trade line from his credit file. This letter confirms that collection efforts have been terminated and that the account will not be sold or transferred.
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]
Enclosure:
Initial Consumer Rebuttal /* (2000, 7, 2016/03/16) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank you for your prompt reply in this matter and resolution.

Initial Business Response /* (1000, 6, 2015/09/15) */
September 15, 2015
Mr. [redacted]
Revdex.com
220 S River Ridge Circle
Burnsville, MN 55337
Re: [redacted]
Jefferson Capital Systems, LLC, Account Number: [redacted]
Our Client: [redacted],...

LLC
Debt Description: [redacted] MasterCard
Case #[redacted]
Dear Mr. [redacted]:
We are in receipt of your correspondence sent on behalf of [redacted] concerning the above-referenced [redacted] MasterCard account.
This account was placed with Jefferson Capital Systems, LLC, for collections by our client on September 10, 2015. Based on Mr. [redacted]' stated dispute, we have closed our file and returned the account to our client. We are also forwarding your correspondence to them for review.
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 be of service.
Sincerely,
Kathy [redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
[redacted]
Initial Consumer Rebuttal /* (3000, 8, 2015/09/15) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept this response as they are reporting in accurate information once again. The account was charged off in 2011 and was purchased by Jefferson Capital in 2012. I just called again and spoke with the customer agent from First Premiere.
Your company was in control of this and failed to notify me of anything and in doing so damaging my credit. Why would a company charge an account off and then 4 years later transfer this debt. It's a straight up lie. Your company has been in control of this since 2012 according to First Premiere as I called them on the 10th and 11th to confirm and then filed my claim.
The fact you are suggesting your purchased this 1 day before the complaint was filed again is a lie.
I want this fixed and removed from my credit report immediately.
Final Business Response /* (4000, 10, 2015/09/23) */
September 23, 2015
Mr. [redacted]
Revdex.com
220 S River Ridge Circle
Burnsville, MN 55337
Re: [redacted]
Jefferson Capital Systems, LLC, Account Number: [redacted]
Jefferson Capital Systems, LLC, Account Number: [redacted]
Our Client: [redacted], LLC
Debt Description: [redacted] MasterCard
Case #[redacted]
Dear Mr. [redacted]:
We are in receipt of your additional correspondence sent on behalf of [redacted] concerning the above-referenced [redacted] MasterCard account.
Please allow me to clarify this matter. The [redacted] MasterCard account was opened in December 2011 and charged off for collections in June 2012. We did not purchase this account. Rather, the account was placed with us in September 2014 for collection efforts on behalf of our client. The serviced account was assigned our account number ending in [redacted] and was subsequently returned to [redacted], LLC on September 8, 2015. The account was reassigned to Jefferson Capital Systems, LLC for collections on September 10, 2015 by [redacted], LLC and assigned the account number ending in [redacted]. This account has since been returned to [redacted], LLC on September 16, 2015.
This letter confirms Jefferson Capital Systems, LLC, has not reported any information regarding the account to the credit bureaus. If [redacted], LLC is reporting this account to the bureaus, Mr. Gonzalez will need to contact them regarding their trade line.
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]