Jefferson Capital Systems, LLC

May 17, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC, Account # [redacted] Debt Description: [redacted] .com Complaint ID: [redacted] Dear Mr [redacted] : We acknowledge receipt of your correspondence sent on behalf of Mr [redacted] concerning the account referenced aboveJefferson Capital Systems, LLC, acquired the [redacted] .com account with a balance of $on or around January 14, Our records indicate a letter was sent to Mr [redacted] on February 8th advising him we were the new owners of the account Enclosed please find reprints of statements provided by [redacted] .com from January to December In response to his communication, we have terminated collection efforts The information regarding his filing for bankruptcy can be sent to the address belowWe appreciate the opportunity to respondSincerely, [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector 866-516-Enclosure:

August 23, Ms [redacted] Revdex.com S River Ridge CircleBurnsville, MN 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 August 23, 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 serviceSincerely, Kathy ***Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####

Initial Business Response / [redacted] (1000, 7, 2015/09/25) */ September 25, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN 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 in March and a balance of $15,remainsEnclosed is a copy of the loan application along with the schedule for repayment We apologize for any inconvenience Mr [redacted] encountered when attempting to contact us by telephoneAccording to the notations on his account, he spoke to one of our representatives on September 8, and stated he thought this account was previously settled in fullThis account was placed with [redacted] for collections and they received a payment of $4,on May 30, from the co-signerThis payment released the co-signer from further obligation for this debt; however, Mr [redacted] does remain responsible for the balance The remaining balance on the account is $15,We are willing to accept $7,as full and final settlement of the account in monthly payments of $160.00, with the first payment being due October 25, Although Mr [redacted] 's account has been accurately reported to the credit bureaus each month, as a courtesy we have requested the credit bureaus to delete our trade line from his credit files 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] Enclosures:

April 19, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC, Account Number: [redacted] Debt Description: [redacted] Wireless Complaint ID: [redacted] Dear Mr [redacted] : We are in receipt of your additional correspondence sent on behalf of [redacted] concerning the above-referenced account This letter will confirm Jefferson Capital Systems, LLC has terminated collection efforts on the account and has requested the credit bureaus to delete our trade line from his credit file This letter will also confirm the account will not be sold or transferredThank you for the opportunity to be of serviceSincerely, Kathy [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

November 21, Ms [redacted] Revdex.com S River Ridge CircleBurnsville, MN 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 November 21, Mr [redacted] should allow 7-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 serviceSincerely, Kathy ***Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####

July 27, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN 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,on or around August 1, Based on Ms***’s previous correspondence, 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 meI accept the response that Jefferson Capital Systems, Incwill no longer contact me regarding the account in question and that their trademark will be removed from all three credit bureaus in my credit reports

January 4, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN 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, Mr [redacted] should allow 7-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 ###-###-####

May 31, Ms [redacted] Revdex.com S River Ridge CircleBurnsville, MN 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 $1,on or around March 31, 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 transferredThank you for the opportunity to be of serviceSincerely, Kathy ***Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####

Initial Business Response / [redacted] (1000, 5, 2016/02/15) */ February 15, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [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 complaintIn 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 numberWhen 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 / [redacted] (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 Final Consumer Response / [redacted] (2000, 11, 2016/02/19) */ (The consumer indicated he/she ACCEPTED the response from the business.) Final Business Response / [redacted] (4000, 9, 2016/02/19) */ February 19, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN 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 communicationOur records indicate the [redacted] account was opened in May and charged off in January Jefferson Capital Systems, LLC, purchased the account and balance of $in April We show no previous written requests for validation of the debt were receivedEnclosed are reprints of Mr [redacted] 's last three billing statements representing the balance of $In response to his dispute and as a courtesy, we have closed our file and terminated collection effortsWe 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:

January 8, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN 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 8, Ms [redacted] should allow 7-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 ###-###-####

October 20, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN 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 a [redacted] account in our office that is being reported to the credit reporting agencies in Ms [redacted] ’ name We would appreciate if she provided us a copy of her credit report reflecting the Jefferson Capital Systems, LLC 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 ###-###-####

January 8, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN 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 8, Ms [redacted] should allow 7-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 ###-###-####

February 17, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN 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,on or around February 1, Pursuant to Ms***’ 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 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 ###-###-#### Enclosure:

Initial Business Response / [redacted] (1000, 5, 2015/05/01) */ May 1, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN 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 $in April Based on Mr [redacted] 's claim the account is not his, we have closed our file and terminated collection actionWe are also notifying the credit bureaus to delete our trade line from his credit bureau file We appreciate the opportunity to respond Sincerely, [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted]

Initial Business Response / [redacted] (1000, 5, 2015/07/01) */ July 1, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN 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 $in November According to the information provided, the account was opened in October and charged off in October It is our responsibility as a furnisher of information to the credit reporting agencies to provide accurate informationAlthough we disagree with the merits of Mrs [redacted] ' dispute, we are notifying the credit bureaus to delete our trade line from her credit bureau filePlease allow the credit bureaus days to update their records 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 / [redacted] (2000, 7, 2015/07/01) */ (The consumer indicated he/she ACCEPTED the response from the business.) I am glad that Jefferson Capital System has confirmed that they will be deleting the trade line within days

March 27, Ms [redacted] Revdex.com S River Ridge CircleBurnsville, MN 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 on or around January 14, Settlement payment was received on March 7, This letter will confirm Jefferson Capital Systems, LLC is no longer reporting the account to the credit bureaus If the account is being reported to the bureaus by [redacted] , we suggest Ms [redacted] dispute the trade line with the bureausThank you for the opportunity to be of serviceSincerely, Kathy ***Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-#### e

April 2, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] / ID [redacted] Dear Mr***: We acknowledge receipt of your correspondence sent on behalf of Ms [redacted] concerning the above-referenced account This letter will confirm that on April 2, 2018, we responded directly to Ms*** She should allow 7-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:

January 25, Revdex.com Attention: [redacted] SRiver Ridge Circle Burnsville, MN 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 $on or about June 7, On June 30, 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***’ dispute, we have terminated further collection efforts and closed our file We have also notified the bureaus to delete our trade line from Mr***’ 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]

March 27, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN 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 $on or around August 1, Pursuant to Mr [redacted] ’ request for additional information, enclosed is a copy of the final [redacted] Wireless billing statement Based on his stated dispute, we have terminated collection efforts and are requesting the bureaus delete our trade line from his credit file This letter will also 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: