Jefferson Capital Systems, LLC

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 $561.90 on or around March 20, 2015.  Based on Mr. [redacted]’s dispute, 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 ###-###-####

Revdex.com:
I do not acknowledge in any way that this is my debt. All of my student loans are federal and consolidated. The college that I went to has since been shut down due to fraudulent activity.However I appreciate Jeff Capital removing this from my credit report. I will call the phone number given and discuss possible options.
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Initial Business Response /* (1000, 6, 2015/11/20) */
November 20, 2015
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 her above-referenced account.
Jefferson Capital Systems, LLC purchased Ms. [redacted]'s [redacted] account, reflecting a balance of $54,499.89, in July 2013. Enclosed is a copy of the loan application and promissory note. To resolve Ms. [redacted]'s outstanding balance, we are willing to accept 50% ($27,249.95) as full and final satisfaction of the debt, payable in 48 monthly installments of $567.71. In January 2014, the account was placed with [redacted]. Ms. [redacted] may contact [redacted] at [redacted] if she would like to take advantage of these payment arrangements.
[redacted] accounts were not subject to or included in the 2008 FTC Ruling. Although we disagree with the merits of Ms. [redacted]s's credit bureau dispute, we have 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: (866) [redacted]
Enclosure:
Initial Consumer Rebuttal /* (2000, 8, 2015/11/20) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I am not sure I correctly understand but if these are removed from all of the credit bureaus and this loan is not transferred to any other agency I accept.
My complaint is this educational loan was incorrectly reported for years and I do not acknowledge this debt on my credit report as accurate.
I have never heard of [redacted] and do not acknowledge their payment plans.

March 24, 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.
Jefferson Capital Systems, LLC purchased this account and balance of $21,513.27 in May 2013. This account was included in Mrs. [redacted]' bankruptcy that was discharged in 2012. However, since this is a student loan, this account is not included in the discharge and collection efforts resumed.
To assist Mrs. [redacted] in repayment of this debt, we are willing to accept a settlement of $10,756.44 in 36 monthly payments of $298.79 with the first payment being due April 23, 2016 and subsequent payments on the 23rd of each month following. Mrs. [redacted] can remit her payment to Jefferson Capital Systems, LLC at [redacted], St. Louis, MO 63195-3185 or she may do a free check by phone with a routing number and account number from a checking or savings account. To schedule a payment by phone, she will need to contact us at ###-###-####.
To resolve this matter, we are requesting the credit bureaus to delete our trade line from Mrs. [redacted]' 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
###-###-####

June 30, 2016       Ms. [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 Ms. [redacted]:   We acknowledge receipt of your correspondence sent on behalf of Mr. [redacted] concerning his [redacted] account.   Jefferson Capital Systems, LLC, acquired the [redacted] account on or around April 14, 2015, with a balance of $440.95.  Our records indicate the Right to Dispute letter was sent to Mr. [redacted] and no previous disputes were received from him.  Enclosed please find reprints of the last three billing statements representing the balance.  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 Mr. [redacted]’s credit bureau file.   We appreciate the opportunity to address the matter and be of service.   Sincerely,       Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####   Enclosure:

January 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   Dear Ms. [redacted]:   We acknowledge receipt of your correspondence sent on behalf of Mr. [redacted] concerning the above-referenced account.   Jefferson Capital Systems, LLC acquired the [redacted] Wireless account and balance of $681.59 on or about June 7, 2016.  On June 30, 2016 the notice of assignment was sent to the address on file.  We have no record of returned mail.  Although we disagree with the merits of Mr. [redacted]’ dispute, we have terminated further collection efforts and closed our file.  We have also notified the bureaus to delete our trade line from Mr. [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/Case Number [redacted]

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] 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 $2,308.94 on or around October 7, 2015.  In response to your communication, we researched this matter with [redacted] Wireless and the account is being returned to [redacted] Wireless.   This letter will confirm we have closed our file, terminated collection efforts and have requested the credit bureaus to delete our trade line from Mr. [redacted]’s 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 ###-###-####

January 16, 2018   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 January 16, 2018.  Mr. [redacted] should allow 7-10 days to receive our response.  We believe the actions referenced in that letter have resolved this matter to the customer’s satisfaction.     Thank you for the opportunity to be of service. Sincerely,   Kathy [redacted]Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####

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 would like to ask to make sure that the business' response with deleting the trade line with all bureaus is accurate.

Initial Business Response /* (1000, 5, 2015/12/04) */
December 4, 2015
Mr. [redacted]
Revdex.com
220 S River Ridge Circle
Burnsville, MN 55337
Re: [redacted]
Jefferson Capital Systems, LLC, Account #[redacted]
Debt Description: [redacted]
Case...

#[redacted]
Dear Mr. [redacted]:
We are in receipt of your correspondence sent on behalf of Ms. [redacted] concerning the account referenced above.
According to our records, the [redacted] account was opened in February 2008 and charged off in January 2010. The account balance of $8,635.52 pertains to a 2003 Chevrolet Cavalier and Jefferson Capital Systems, LLC, purchased the account in August 2015. On October 9, 2015, Ms. [redacted] was sent a Notice of Assignment letter and on October 14th the Jefferson Capital Systems, LLC, Privacy Notice. In response to Ms. [redacted]' dispute, we have closed our file and terminated collection efforts. We are also notifying the credit bureaus to delete our trade line from Ms. [redacted]' credit bureau file. Please allow the credit bureaus 30 days to update their records. This letter confirms the account will not be sold or transferred.
Thank you for the opportunity to be of service to your office.
Sincerely,
Shirley [redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
[redacted]
Initial Consumer Rebuttal /* (2000, 7, 2015/12/11) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I appreciate Jefferson Financial for correcting this situation. I accept the response and will await the update to the credit bureaus. Thank you to the Revdex.com for your assistance on this matter.
Best Regards,
[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.Thank you[redacted]

January 13, 2017       Ms. [redacted] Revdex.com          220 S River Ridge Circle Burnsville, MN 55337   Re:      [redacted]...

            Jefferson Capital Systems, LLC Account Number:  [redacted]             Debt Description:  [redacted] Wireless             Complaint ID#: [redacted]             Dear Ms. [redacted]:   We are in receipt of your correspondence sent on behalf of [redacted].   Jefferson Capital Systems, LLC acquired the [redacted] Wireless account and balance of $894.18 on or around October 12, 2016 and subsequently placed the account with [redacted] for collection efforts.  We regret Ms. [redacted] was unable to reach us by telephone.    Although a balance remains on the account, to resolve this matter, we have recalled the account, terminated collections 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 ###-###-####

August 29, 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 $392.70 on or around June 7, 2016.  Although the balance remains on the account, based on Ms. [redacted]’ stated dispute and to resolve this matter, we have terminated collection efforts and are requesting the credit bureaus delete our trade line from her credit files.  This letter will confirm 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 ###-###-####

November 15, 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].  This letter will confirm we have responded directly to Mr. [redacted] on November 15, 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###-###-####    re...

July 21, 2017       Ms. [redacted] Revdex.com          220 S River Ridge Circle Burnsville, MN 55337   Re:      [redacted]             Complaint ID#: [redacted]             Dear Ms. [redacted]:   We are in receipt of your additional correspondence sent on behalf of [redacted].   As we advised in our previous letter, we are unable to locate an account for Ms. [redacted] with the information she has provided.  To locate the account Ms. [redacted] states is being reported on her credit file, we need a copy of the credit report reflecting our trade line.  She may mail this information to us at Jefferson Capital Systems, LLC, [redacted] St. Cloud, MN  56303.   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 ###-###-####

I am rejecting this response because:
This is not my collections account. No idea what it has to do with. It is under [redacted] and it needs to be removed from my record now.

August 25, 2017       Ms. [redacted] Revdex.com          220 S River Ridge Circle Burnsville, MN 55337   Re:      [redacted]            ...

Jefferson Capital Systems, LLC Account Number: [redacted]             Debt Description:  [redacted] Wireless             Complaint ID#: [redacted]             Dear Ms. [redacted]:   We are in receipt of your correspondence sent on behalf of [redacted].   Jefferson Capital Systems, LLC acquired the [redacted] Wireless account and balance of $813.36 on or around August 3, 2015.  We have no record of receiving a written dispute from Ms. [redacted].  We did receive electronic disputes from the credit bureaus in our office which we verified.  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 ###-###-####

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.  As long as they do as they say, pulling from all 3 credit reporting agencies and not adding back later, then it will be satisfactory.   That remains to be seen. Thanks[redacted]

October 6, 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 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 Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

July 27, 2017       Ms. [redacted] Revdex.com          220 S River Ridge Circle Burnsville, MN 55337   Re:      [redacted]            ...

Complaint ID#: [redacted]             Dear Ms. [redacted]:   We are in receipt of your correspondence sent on behalf of [redacted].   Based on the information Ms. [redacted] provided, we are unable to locate an account in her name.  To locate the account, we need a copy of her credit file reflecting our trade line and we will further investigate this matter.   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 ###-###-####