Jefferson Capital Systems, LLC

September 1, 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] 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 $3,072.17 on or around February 13, 2017.  Enclosed are copies of the last three [redacted] Wireless billing statements.  A review of the statements reflect that [redacted] Wireless provided service to the phone number ###-###-####, which is listed on Ms. [redacted]’s correspondence as the daytime phone.   Although we disagree with the merits of her dispute, to resolve this matter we have terminated collection efforts and are requesting the 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###-###-#### Enclosure:

Initial Business Response /* (1000, 5, 2015/11/25) */
November 25, 2015
Mr.[redacted]
Revdex.com
220 S River Ridge Circle
Burnsville, MN 55337
Re: [redacted]
Debt Description: [redacted]
Case #[redacted]
Dear Mr. [redacted]:
We are in receipt of your...

correspondence sent on behalf of [redacted] concerning the [redacted] account she is disputing.
We are unable to locate an account for Mrs. [redacted] with the information she has provided. Please advise her to provide a copy of her credit report reflecting the Jefferson Capital Systems, LLC trade line and we will be happy to address her concerns. 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]

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:  [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 $1,251.41 on or around March 20, 2015.  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. Thank you for the opportunity to be of service. Sincerely,   Kathy [redacted]Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####

April 24, 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.   Jefferson Capital Systems, LLC acquired the [redacted] Wireless account and balance of $825.11 on or about October 12, 2016.  In a previous communication received on March 20, 2017, Mr. [redacted] indicated the account did not belong to him.  At that time, we ceased collection efforts and a fraud affidavit was sent on March 23, 2017.  We have no record of receiving the completed document.  To resolve Mr. [redacted]’s dispute, this letter will confirm that we have terminated all collection efforts and 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: ###-###-####   C:            Consumer Financial Protection Bureau

June 20, 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 $722.81 on or around August 1, 2016.  Based on Ms. [redacted]’s dispute and 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 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]             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 $519.90 on or around February 16, 2016 and subsequently placed this account with a legal firm who filed suit on our behalf.  Based on Ms. [redacted]’ stated dispute, we are willing to terminate collection efforts.  We have requested the firm to dismiss the suit and we are awaiting confirmation of the dismissal.    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 5, 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 $440.89 on or around August 3, 2015.  Based on Mr. [redacted]’ previous correspondence, a letter was sent August 1, 2016.    Although a balance remains on the account, to resolve this matter, we have terminated collection efforts.  We are also requesting the credit bureaus delete our trade line from Mr. [redacted]’ credit files.         We appreciate 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, 2015/12/11) */
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 correspondence sent on behalf of [redacted] concerning the above-referenced account.
Jefferson Capital Systems, LLC, purchased the [redacted] account and balance of $2,629.26 in July 2013. This account was opened in February 2006 and charged off for collections in June 2011. The Statute of Limitations does not absolve a debtor from payment of a debt. It does, however, provide for limitations during which time a creditor or debt collector may commence legal action for payment of a debt. Pursuant to her stated dispute, we have terminated collections and requested the credit bureaus delete our trade line from Ms. [redacted]'s credit file. This letter confirms 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]

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]            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 $336.14 on or around July 14, 2016.  We received an electronic dispute from the credit bureaus which was verified.  Based on Ms. [redacted]’ request or validation of this debt, enclosed is a copy of the final [redacted] billing statement.   Although a balance remains, based on Ms. [redacted]’ dispute and 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###-###-#### Enclosure: [redacted]...

Initial Business Response /* (1000, 6, 2015/09/04) */
September 4, 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[redacted] account.
Jefferson Capital Systems, LLC purchased the[redacted] account and balance of $1,398.79 in June 2015 and subsequently placed the account with Receivable Performance Management (RPM) for collections. RPM sent a Right to Dispute letter to Mr. [redacted] on July 9, 2015. Mr. [redacted] stated this account belonged to his father. Our representative requested Mr. [redacted] provide documentation reflecting the account was his fathers and he stated he would provide this information via facsimile. We have not received this documentation. To resolve this matter, we have recalled the account and terminated collections efforts. Additionally, we have notified the credit bureaus to delete our trade line from his credit report.
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 /* (2000, 8, 2015/09/08) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I never received a letter but learned of the collection on my credit report. All in All the end result is satisfactory. Thank you Revdex.com

January 4, 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 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 Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

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

May 5, 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 additional correspondence sent on behalf of Ms. [redacted] concerning her[redacted] account and her credit file.
In response to your previous communication, a follow-up reply was sent as well as the initial reply on May 1, 2015, advising we have notified the credit bureaus to delete our trade line from
Ms. [redacted]'s credit bureau file. Please allow thirty days for the credit bureaus to update their records.
My apologies for any confusion caused in this matter.
Sincerely,
[redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
[redacted]
Initial Consumer Rebuttal /* (3000, 7, 2015/05/06) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept the response from the business. The response provided does not pertain to me but rather to another person and issue altogether which I feel violates their privacy rights by providing me with their personal identifiable information. This also leads me to believe that my response may have been sent to someone else.
Therefore, I have not yet received a response to my complaint and also need to be assured that my information has not been sent to someone else which may require further action.
Final Business Response /* (4000, 12, 2015/05/14) */
May 13, 2015
Revdex.com
Attention: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: [redacted]/Case No. [redacted]
Jefferson Capital Systems, LLC, Account: [redacted]
Debt Description: [redacted]
Dear Mr. [redacted]:
We are writing in response to your correspondence on behalf of Ms. [redacted] concerning the above-referenced account.
Jefferson Capital Systems, LLC purchased the [redacted] account in October of 2010 with a balance of $1,032.63. In response to a complaint we received from the Consumer Financial Protection Bureau (CFPB), we have also responded to her complaint through their office and attached is a copy of her [redacted] billing statement with that reply.
In order to resolve Ms. [redacted]'s dispute we are willing to have the case filed onour behalf by the law firm of [redacted], P.C. dismissed. As our response to the CFPB indicated, we have sent instructions to the firm of [redacted], P.C. to make arrangements for dismissal of the suit. They have sent Ms. [redacted] a dismissal document that requires her signature for the document to be filed with the court. Once Ms. [redacted] has signed and returned the Stipulation to Dismiss to the office of [redacted], P.C, the form will be filed with the Court to have the dismissal processed.
We appreciate the opportunity to respond.
Sincerely,
[redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
Final Consumer Response /* (2000, 14, 2015/05/24) */
(The consumer indicated he/she ACCEPTED the response from the business.)
The response to the complaint has been accepted contingent upon filing of Stipulation to Dismiss with the Court to have the dismissal processed. Signed form was sent to the firm of [redacted], PC for processing as indicated in the response.

July 6, 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 are in 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 3, 2015, with the balance of $1,072.17.  Enclosed please find the last two billing statements provided by [redacted] Wireless.  Although we show a balance is due, to resolve this matter, we have closed our file and terminated collection action.  We are also requesting the credit bureaus to delete our trade line from Ms. [redacted]’ 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 ###-###-####   Enclosure:

June 15, 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 $501.44 on or around October 7, 2015.  On March 30, 2016, Jefferson Capital Systems, LLC sent a settlement letter that included the Right to Dispute notice.   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 to delete our trade line from his credit file.  This letter will confirm the 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 9, 2017       Ms. [redacted] Revdex.com          220 S River Ridge Circle Burnsville, 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]-[redacted].   Jefferson Capital Systems, LLC acquired the [redacted] account and balance of $602.17 on or around December 5, 2016.  Pursuant to your request for validation of this debt, enclosed is a copy of the final [redacted] billing statement.  In response to your stated dispute, 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:

Initial Business Response /* (1000, 5, 2015/09/22) */
September 22, 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, purchased the [redacted] account in June 2015 with a balance of $695.10 in June 2015 and on July 24th sent a letter advising we were the current owners of the account. In response to Ms. [redacted]'s communication, we researched the matter with [redacted] and they confirmed Ms. [redacted]'s settlement payment of $283.00 and the payment is being forwarded to us. Although it is not our policy to delete the trade lines on settled-in-full accounts, this letter confirms the credit bureaus are being notified to delete the Jefferson Capital Systems, LLC, 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
[redacted]
Initial Consumer Rebuttal /* (2000, 7, 2015/09/23) */
(The consumer indicated he/she ACCEPTED the response from the business.)
This is the outcome to my complaint.

August 4, 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 Ms. [redacted]’ [redacted] Wireless account and balance of $437.36 on or about April 4, 2016.  Our registration number with the Office of Financial Regulation of the Financial Services Commission is CCA9901497.  Although we disagree with the merits of Ms. [redacted]’ dispute, as a courtesy, we have terminated further collection efforts and closed our file.  This letter confirms that the bureaus have been notified to delete our trade line from Ms. [redacted]’ 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

October 31, 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].    Jefferson Capital Systems, LLC acquired the [redacted] Wireless account and balance of $271.43 on or around February 1, 2016.  Pursuant to Ms. [redacted]’s request for validation of this debt, enclosed is a copy of the final [redacted] Wireless billing statement dated December 8, 2013.  To resolve this matter, we have terminated collection efforts and 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 ###-###-####

Initial Business Response /* (1000, 5, 2015/12/30) */
December 30, 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 Mrs. [redacted] concerning the account referenced above.
Jefferson Capital Systems, LLC, purchased the [redacted] account and balance of $5,482.49 in March 2014. The balance pertains to a loan for a 2007 Kia Rio and the account was placed with [redacted] for collection efforts. They have filed suit on our behalf and any further communications or questions should be directed to that firm. Mrs. [redacted] should contact them by calling toll-free [redacted].
We appreciate the opportunity to respond.
Sincerely,
Shirley [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 partially satisfactory to me.  I would also like confirmation from Jefferson Capital Systems that the debt will not be transferred or sold. Thank you for your assistance in this matter.