Jefferson Capital Systems, LLC

Initial Business Response / [redacted] (1000, 5, 2016/03/21) */ March 21, 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 acknowledge receipt of your correspondence sent on behalf of Mrs [redacted] concerning her [redacted] account Our records indicate the [redacted] account was opened in July and charged off in August The FTC settlement referenced in Mrs [redacted] 's correspondence affected accounts that were opened on or before December 31, As such, the account is not included in the settlementJefferson Capital Systems, LLC, acquired the account in September with a balance of $1,029.22; enclosed is a copy of the Statement of Account Activity pertaining to the balanceAlthough we feel the balance is rightfully due, as a courtesy, we have closed our file and terminated collection effortsWe are also requesting the credit bureaus to delete our trade line from Mrs [redacted] 's credit file We appreciate the opportunity to clarify the matter Sincerely, Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted] Enclosure: Initial Consumer Rebuttal / [redacted] (2000, 7, 2016/03/21) */ (The consumer indicated he/she ACCEPTED the response from the business.) It was very generous of the company to accommodate and respond so quickly

Revdex.com: The response that the report is accurate is wrongI have attached my fico report which clearly shows three seperat accountsHowever they have deleted the other two accounts so I am satisfied I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me

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 regardless of t [redacted] says nothing is owed

July 31, 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] *** Jefferson Capital Systems, LLC acquired the [redacted] Wireless account and balance of $on or around June 5, Based on Ms***’ 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###-###-#### hy here

March 22, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC Account Number: [redacted] & [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 accounts on or around October 12, with the balances of $and $606.22, respectively Jefferson Capital Systems, LLC has no record of receiving payment or previously being contacted by Mr [redacted] From the correspondence we received from your office, it appears Mr [redacted] may have been communicating with [redacted] Wireless concerning the accounts Although balance remains on both accounts, in response to Mr [redacted] ’s dispute, we have terminated collection efforts Additionally, we are requesting the credit bureaus to 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 ###-###-####

April 15, Revdex.com Attention: [redacted] SRiver Ridge Circle Burnsville, MN Re: [redacted] / ID [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 the above-referenced accountOur records indicate the [redacted] account was opened on August 18, and charged off on May 8, Jefferson Capital Systems, LLC acquired the account, reflecting a balance of $1,in August In consideration of Ms***’s claim that the account is unknown to her, we have terminated further collection efforts and closed our file We are also notifying the bureaus to delete our trade line from her credit fileThank you for the opportunity to respondSincerely, [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector Phone: ###-###-####

January 4, Ms [redacted] Revdex.com S River Ridge CircleBurnsville, MN Re: [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 serviceSincerely, Kathy ***Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-#### ere

March 16, 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 $4,on or around June 7, We have no record of receiving a written dispute from Mr [redacted] Although a balance remains on the account, to resolve this matter, we have terminated collection efforts Additionally, we are requesting the credit bureaus to 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 ###-###-####

May 23, Mr [redacted] ***Revdex.com S River Ridge CircleBurnsville, MN Re: [redacted] Complaint ID#: [redacted] Dear Mr***: We are in receipt of your correspondence sent on behalf of [redacted] This letter will confirm we have responded directly to Mr [redacted] on May 23, 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 Attached is a copy of our response Thank you for the opportunity to be of serviceSincerely, Kathy ***Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-#### hy here

June 30, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN 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 $ 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:

July 31, 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] *** Jefferson Capital Systems, LLC acquired the [redacted] account and balance of $8,on or around August 4, This account is for a Chrysler PT Cruiser Enclosed is a copy of the Simple Interest Retail Installment Contract Although we disagree with the merits of Mr***’s dispute, to resolve this matter, 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 ###-###-#### Enclosure:

April 25, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, 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 $on or around April 14, and began reporting this account to the credit bureaus at that time Although the balance on his account is accurate, based on his dispute to resolve this matter, we have terminated collection efforts and have requested the credit bureaus delete our trade line from his credit file This letter will confirm the 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 4, 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 and balance of $on or around July 14, 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 transferredThank you for the opportunity to be of serviceSincerely, Kathy ***Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-#### Enclosure: ***

Initial Business Response / [redacted] (1000, 5, 2016/02/18) */ February 18, 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 account The [redacted] account was opened in July and charged off in July Jefferson Capital Systems, LLC purchased the account and balance of $in December and subsequently placed the account with Receivables Performance Management, Inc(RPM), for collectionsA Right to Dispute letter was sent to Mr [redacted] from RPM on January 11, Pursuant to his request for validation of this debt, enclosed is the final [redacted] statement dated July 4, Although we disagree with the merits of Mr [redacted] 's dispute, we have recalled the account, terminated collection efforts and are requesting the credit bureaus to delete our trade line from his credit filesThis letter will confirm the 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] Enclosure: Initial Consumer Rebuttal / [redacted] (2000, 9, 2016/02/22) */ (The consumer indicated he/she ACCEPTED the response from the business.) Dear Sir or Madam, I am happy to see the result provided The debt is not my debt, and further I was sent a notice of ownership of the debtThe letter was dated February well AFTER they placed a notice on my credit bureau reports and obviously against Fair Debt Collection practices Sincerely, [redacted]

Initial Business Response / [redacted] (1000, 5, 2015/06/17) */ June 17, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Case # [redacted] Dear Mr [redacted] : We are in receipt of your correspondence sent on behalf of Ms [redacted] concerning a summons she received Based on the information Ms [redacted] provided in the communication, we did not locate an account in her name or addressTo obtain additional information or for answers to any questions or concerns Ms [redacted] has regarding the summons she received, she should contact the firm referenced in the correspondence We regret we could not be of further assistance Sincerely, [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted] Initial Consumer Rebuttal / [redacted] (3000, 11, 2015/07/08) */ I need help contacting these people to try and set up payment plans,and can't find contact number Final Business Response / [redacted] (4000, 13, 2015/07/17) */ July 17, 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 Ms [redacted] concerning the account referenced aboveWe regret any confusion which may have resulted in our previous reply stating an account was not located in her name Jefferson Capital Systems, LLC, purchased the [redacted] account in December and subsequently placed the account with Jefferson Capital Direct Legal Solutions in January for collection effortsWe have obtained the documentation regarding the debt and are providing that information to Ms [redacted] under separate coverWith regard to Ms***'s desire to make payment arrangements, please advise her to call Jefferson Capital Direct Legal Solutions at [redacted] 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:

March 27, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Complaint ID#: [redacted] Dear Mr***: We are in receipt of your correspondence sent on behalf of [redacted] *** This letter will confirm we have responded directly to Ms [redacted] on March 27, 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 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 ###-###-####

December 8, Revdex.com Attention: [redacted] SRiver Ridge Circle Burnsville, MN Re: [redacted] / ID [redacted] Jefferson Capital Systems, LLC account number: [redacted] Debt Description: [redacted] Dear Ms [redacted] : We acknowledge receipt of your correspondence sent on behalf of Ms [redacted] concerning her above-referenced account Jefferson Capital Systems, LLC acquired Ms [redacted] ’s [redacted] account on or about April 9, In February 2014, Ms [redacted] ’s account was placed with [redacted] (“***”) for collection purposes In September 2016, Ms [redacted] notified [redacted] that she received approval for disability student loan forgiveness in March for her federal student loans, and recently notified them the forgiveness was effective in August The [redacted] student loan account that Jefferson Capital Systems, LLC acquired in April is a private student loan and is not covered under the disability student loan forgiveness However, as a courtesy, we have terminated further collection efforts and closed our file [redacted] has also been authorized to issue a refund of the payments made from August to September totaling $ Thank you for the opportunity to respond Sincerely, Sharon [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector Phone: ###-###-####

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 $on or around April 4, Based on Ms, [redacted] ’s claim of fraud and 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 ###-###-####

July 13, 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] Jefferson Capital Systems, LLC acquired the [redacted] Wireless account and balance of $on or around June 5, Based on Ms [redacted] ’s dispute and to resolve this matter, we have terminated collection efforts and requested the credit bureaus to 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 serviceSincerely, Kathy ***Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####

Initial Business Response / [redacted] (1000, 5, 2015/08/10) */ August 10, 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 Ms [redacted] concerning the [redacted] account Jefferson Capital Systems, LLC, purchased the [redacted] account and balance of $2,in June In researching the matter with [redacted] , we were advised the account was confirmed as fraud and we have closed our fileThis 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 / [redacted] (2000, 7, 2015/08/10) */ (The consumer indicated he/she ACCEPTED the response from the business.) Thank you for assisting on this matterThis was exactly the response I was expecting