Jefferson Capital Systems, LLC

Initial Business Response / [redacted] (1000, 5, 2015/10/02) */ October 2, Revdex.com Attention: [redacted] SRiver Ridge Circle Burnsville, MN Re: [redacted] / Case No [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 the above-referenced account Jefferson Capital Systems, LLC purchased the [redacted] account and balance of $in April We have no record of receiving a prior written dispute from Mr [redacted] Although we disagree with the merits of Mr [redacted] ' dispute, we have terminated further collection efforts and closed our fileWe are also notifying 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: (866) [redacted] Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/10/02) */ (The consumer indicated he/she ACCEPTED the response from the business.)

October 17, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] *** Jefferson Capital Systems, LLC, Account # [redacted] Debt Description: [redacted] Financial Case ID: [redacted] Dear Ms [redacted] : We are in receipt of your correspondence sent on behalf of Mr [redacted] regarding the account referenced above Jefferson Capital Systems, LLC, acquired the [redacted] account on or around September 30, 2015, with the remaining balance of $3, According to our records, we have not received any prior written disputes or any telephone calls regarding the account Enclosed are copies of the Bill of Sale and the Application for Credit with regard to the loan for the vehicle Although we feel the balance is rightfully due, in order to resolve the matter, we have closed our file and terminated collection action We are also requesting the credit bureaus to delete our trade line from Mr***’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 ###-###-#### Enclosure:

Initial Business Response / [redacted] (1000, 5, 2015/05/15) */ May 15, Revdex.com Attention: [redacted] SRiver Ridge Circle Burnsville, MN Re: [redacted] / Case number [redacted] Jefferson Capital Systems, LLC account number: [redacted] Debt Description: [redacted] Checking Dear Mr [redacted] : We acknowledge receipt of your correspondence sent on behalf of Mr [redacted] concerning the above-referenced account Jefferson Capital Systems, LLC purchased the [redacted] Checking account, reflecting a balance of $1,in February On April 22, 2015, Mr [redacted] settled the account for $Pending verification of funds, the account was updated to a settled in full status on May 7, The credit bureaus are notified accordingly of the updated statusWe allow days for the bureaus to update their recordsAlthough it is not our policy to delete the trade line of a settled-in-full account, this letter confirms that the bureaus have been notified to delete our trade line from Mr***'s credit fileThe account will not be sold or forwarded to another agency Thank you for the opportunity to respond Sincerely, [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector Phone: (320) [redacted]

August 31, Revdex.com Attention: [redacted] SRiver Ridge Circle Burnsville, MN Re: [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 his above-referenced accountAfter review of Ms [redacted] ’s collection file, including correspondence and court documents, Jefferson Capital Systems, LLC (“Jefferson”) acted lawfully and appropriately in the collection of her past due account Pursuant to the Florida Debt Buyer statute FCCPA 559.715, a Notice of Assignment was sent to Ms [redacted] ’s current address on or about October 20, See attached Notice of Assignment LetterA validation notice was sent to Ms [redacted] ’s current address on or about November 22, See attached Validation NoticeThere was no response from Ms [redacted] or request for verification of her debt pursuant to the Fair Debt Collection Practices Act Upon review of the account Jefferson has acted legally and properly regarding this accountIn response to Complaint, we will also provide Ms [redacted] with Verification of the AccountWe would encourage Ms [redacted] to contact our offices at ###-###-#### Thank you for the opportunity to respond Sincerely, Katherine R [redacted] , EsqCompliance Officer On behalf of Jefferson Capital Systems, LLC, A Debt Collector

February 21, Ms [redacted] Revdex.com S River 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 Mr [redacted] concerning the above-referenced account This letter will confirm that on February 21, we responded directly to Mr*** Mr [redacted] should allow 7-days to receive our response We believe the actions referenced in that letter have resolved the matter satisfactorily Thank you for the opportunity to respond Sincerely, Sharon [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector Phone: ###-###-####

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 I want to ensure that this will be deleted, and the debt will not be added back to my credit reports at any time

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]

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 [redacted] 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:

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , I also received the attached letter from this business confirming the account is closed and deleted and find that this resolution is satisfactory to me

December 27, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN 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 October 12, 2016, with a balance of $and the account was placed the [redacted] Outsourcing, Inc., on December 3, In reviewing our records, Jefferson Capital Systems, LLC, has not received a previous written request for validation of the debt Pursuant to Ms [redacted] ’s request, enclosed are reprints of three billing statements provided by [redacted] Wireless pertaining to the debt Although we show a balance is due, to resolve the matter, we have recalled the account from [redacted] Outsourcing, Inc., 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 and she should allow the bureaus days to update their records We appreciate the opportunity to respond Sincerely, Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-#### Enclosure:

December 7, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC, Account # [redacted] Debt Description: [redacted] Wireless Case ID: [redacted] Dear Ms [redacted] : We acknowledge 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 1, 2016, with a balance of $ In response to her claim the account was paid in full, we researched the matter with [redacted] Wireless They provided the enclosed statements which reflect the last payment received on October 26, 2013, the charges for usage of the telephone, and the early termination fees They also advised they did not receive any disputes with regard to the account Although we show a balance is due, as a courtesy, we have closed our file and terminated collection efforts We are also notifying the credit bureaus to delete our 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 ###-###-#### Enclosure:

Initial Business Response / [redacted] (1000, 5, 2015/08/26) */ August 26, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC, Account #'s: [redacted] and [redacted] Debt Descriptions: [redacted] Bank/ [redacted] and [redacted] Bank/ [redacted] Case # [redacted] Dear Mr [redacted] : We acknowledge receipt of your correspondence sent on behalf of Mrs [redacted] concerning the accounts referenced above According to the information provided, the [redacted] Bank/ [redacted] account was opened in April and charged off in June and the [redacted] Bank/ [redacted] account was opened in September and charged off in April Jefferson Capital Systems, LLC, purchased both accounts in December and the accounts were subsequently placed with [redacted] , formally known as Morgan & PottingerMedia for both accounts has been requested and will be provided to Mrs [redacted] upon receiptIn the meantime, Mrs [redacted] should contact [redacted] toll-free at [redacted] for any questions or concerns Thank you for the opportunity to address the matter for your office and Mrs [redacted] Sincerely, Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted]

March 27, 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] Based on the information provided in Ms [redacted] ’s correspondence, we are unable to locate an account in her name and/or address To locate and account, we need the name and address exactly as it is appeared on the account, the Jefferson Capital System, LLC account number or a copy of Ms [redacted] ’s credit report reflecting our 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 ###-###-####

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 February 1, Pursuant to Mr***’s 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 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:

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 thank Jefferson Capital Systems for addressing this matter in a timely manner

[redacted] September 6, 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] Jefferson Capital Systems, LLC is unable to locate account for Mr [redacted] with the information he provided To locate an account, Mr [redacted] will need to provide us with the name and addresses exactly as it is reflected on the account and/or the Jefferson Capital Systems, LLC referenced number Mr [redacted] may send this information to my attention at [redacted] StCloud, MN Upon receipt of this information, we will further research his concernsThank 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, 2015/05/20) */ May 19, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Misdirected Calls Case # [redacted] Dear Mr [redacted] : We appreciate your contacting us on behalf of Mr [redacted] regarding the calls he received for one of our customers In our efforts to locate our customer, we were inadvertently directed to Mr [redacted] This letter confirms that the telephone number of [redacted] has been removed from our files and that the necessary precautions have been taken to ensure Mr [redacted] is not contacted again regarding the matter We apologize for any inconvenience Mr [redacted] experienced and for the opportunity to respond Sincerely, [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted]

July 19, 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 $1,on or around March 20, Although we disagree with the merits of Ms***’s dispute, to resolve this matter we have terminated collection efforts and requested the credit bureaus delete our trade line from her credit fileThank you for the opportunity to be of serviceSincerely, Kathy ***Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####

September 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] Jefferson Capital Systems, LLC acquired the [redacted] Wireless account and balance of $on or around March 20, Electronic dispute were received from the credit bureaus which we verified Based on Mr [redacted] ’s dispute and 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 ###-###-####

Initial Business Response / [redacted] (1000, 5, 2015/10/21) */ October 21, 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 acquired the [redacted] account and balance of $1,in May A Right to Dispute letter was sent to Mrs [redacted] on June 28, Mrs [redacted] states she sent several requests for validation of this debt and has not received a replyAccording to our records, the Statement of Account Activity was sent to her on July 16, However, this letter was returned to us from the Post Office as undeliverable Based on Mrs***'s dispute that this account was previously paid, we have terminated collection efforts and requested the credit bureaus to 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 [redacted] Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/10/22) */ (The consumer indicated he/she DID NOT accept the response from the business.) I accept the attempt to resolve thisI will in fact accept the resolution, BUT unfortunately only of the credit bureaus have taken this negative mark offI called Transunion and they have informed me that no one has made them aware of removal of the negative tradeIf Transunion removes this negative mark, I will absolutely accept this resolution, and cease further attempts to have it removedPlease ensure that all credit bureaus have been made aware of this removalPlease see the screenshot that was taken on 10/22/Please also enlarge if neededThe negative trade is still listedThank you Final Business Response / [redacted] (4000, 9, 2015/10/27) */ October 27, 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 additional correspondence sent on behalf of [redacted] concerning the above-referenced account This letter will confirm that all three credit bureaus have deleted/suppressed the Jefferson Capital Systems, LLC 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 [redacted]