Jefferson Capital Systems, LLC

June 1, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] L [redacted] Complaint ID: [redacted] Dear Mr [redacted] : We are in receipt of your correspondence sent on behalf of [redacted] concerning information he found on his credit file We are unable to locate an account for Mr [redacted] with the information he provided To locate the account, we need the name and address as it is reflected on the account, the digit Jefferson Capital Systems, LLC account number and/or a copy of Mr***’s credit report reflecting the Jefferson Capital Systems, LLC trade line We look forward to receiving the requested information so we may address his concerns Sincerely, Kathy [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

March 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 March 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###-###-####

January 11, 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 11, 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 ###-###-####

Initial Business Response / [redacted] (1000, 5, 2015/05/20) */ May 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 acknowledge receipt of your correspondence sent on behalf of Ms [redacted] concerning the above-referenced account Jefferson Capital Systems, LLC, purchased the [redacted] account and balance of $in February from [redacted] In response to Ms [redacted] ' stated dispute and as a courtesy, we have closed our file and terminated collection effortsWe are also 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 respond Sincerely, [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted]

March 1, 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 $on or around November 16, To resolve this matter, we have terminated collection efforts 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 ###-###-####

Initial Business Response / [redacted] (1000, 5, 2015/06/17) */ June 17, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC, Account # [redacted] Debt Description: [redacted] Checking Account Case # [redacted] Dear Mr [redacted] : We acknowledge receipt of your correspondence sent on behalf of Mr [redacted] regarding his credit file and the account referenced above Jefferson Capital Systems, LLC, purchased the [redacted] Checking Account and balance of $in February The account number provided in the communication is not listed in his name or addressIn order to research the matter, please advise Mr [redacted] to provide a copy of his credit bureau file reflecting the Jefferson Capital Systems, LLC, trade line We look forward to resolving this matter Sincerely, [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted] Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/06/19) */ (The consumer indicated he/she ACCEPTED the response from the business.) My wife and I had a merged credit reports and neither of us recognized this collection accountSince Jefferson Capital said that it wasn't on my report, they must have placed it on my wife's report I consider this case resolved on my end Since she doesn't recognized and never receive any communication regarding this account, my wife will be raising a complaint regarding this account with the Revdex.com shortly Thanks, [redacted]

March 1, 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 additional correspondence sent on behalf of [redacted] As we indicated in our response of February 17, to your office, a request was sent to the credit bureaus to delete our trade line Our research has confirmed the credit bureaus have deleted/suppressed the Jefferson Capital Systems, LLC trade line from Mr [redacted] ’s credit fileThank 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, 2015/07/22) */ July 22, 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 account referenced above According to the information provided, the [redacted] account was opened in October and charged off in September Jefferson Capital Systems, LLC, acquired the account and balance of $in October Validation of the debt was provided to Ms [redacted] in February Although we disagree with the merits of her dispute, as a courtesy, we have closed our file and terminated collection effortsWe are also notifying the credit bureaus to delete our trade line from Ms [redacted] 's credit fileThis letter confirms the account will not be sold Thank you for the opportunity to be of service Sincerely, Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted] Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/07/24) */ (The consumer indicated he/she ACCEPTED the response from the business.) I accept Jefferson capital's response to cease collection activity and update this information with the major credit bureausI am satisfied with the company's response to resolve this long over due matter

Initial Business Response / [redacted] (1000, 5, 2015/09/28) */ September 28, 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 Mr [redacted] concerning the account referenced above According to the information provided, the [redacted] account was opened in November and charged off on July 9, Jefferson Capital Systems, LLC, purchased the account and balance of $1,on July 20thOn August 6th, we sent notification to Mr [redacted] advising of the purchase and the opportunity to dispute the validity of the debt within daysWe show no written correspondence received with regard to dispute of the debtAlthough we disagree with the merits of Mr [redacted] ' dispute, we have closed our file and terminated collection actionWe are also notifying the credit bureaus to delete our trade line from his credit bureau fileThis letter confirms the account will not be sold or transferred Thank you for the opportunity to clarify our position in 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, 2015/09/28) */ (The consumer indicated he/she ACCEPTED the response from the business.) As long as all credit bureaus are notified to delete this information and Jefferson Capital Systems does not sale or transfer my information, I will be satisified I appreciate you taking care of this matter A [redacted]

August 9, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC Account Number: [redacted] Debt Description: [redacted] Wireless Dear Ms [redacted] : We are in receipt of your correspondence sent on behalf of [redacted] concerning the above-referenced account We have no record on Mr [redacted] attempting to contact us via the telephone [redacted] Wireless confirmed Mr [redacted] disputed this account and claimed he never had a [redacted] Wireless account The [redacted] Wireless Fraud Team determined the account was valid Jefferson Capital Systems, LLC acquired the [redacted] Wireless account and balance of $1,on or around February 1, and subsequently placed the account with [redacted] for collection efforts [redacted] has confirmed they have no record of receiving a written or telephonic contact from Mr [redacted] Although a balance remains on the account, to resolve this matter, we have recalled the account and terminated collection efforts We have also requested the credit bureaus to delete our trade line from his credit file This letter confirms 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 ###-###-####

August 9, 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 on or around August 4, The current balance is $9, This account is for a Pontiac Grand Prix Enclosed is a copy of the Simple Interest Retail Installment Contract Although we disagree with the merits of Ms [redacted] ’s dispute, to resolve this matter we have terminated collection efforts 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 ###-###-#### Enclosure:

Initial Business Response / [redacted] (1000, 5, 2015/11/25) */ November 25, Revdex.com Attention: [redacted] SRiver Ridge Circle Burnsville, MN Re: [redacted] / Case number [redacted] Dear Mr [redacted] : We acknowledge receipt of your correspondence sent on behalf of Mr [redacted] concerning the above-referenced account We are unable to locate a [redacted] account under Mr***'s name and the address listed on his complaintTherefore, we ask that Mr [redacted] provide us with a copy of his credit report reflecting the Jefferson Capital Systems, LLC trade lineMr [redacted] may send the information to me at [redacted] StCloud, MN or fax it to my attention at [redacted] We appreciate Mr***'s anticipated cooperation Sincerely, Sharon [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector Phone: (866) [redacted]

November 21, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] *** Jefferson Capital Systems, LLC, Account # [redacted] Debt Description: [redacted] Case ID: [redacted] Dear Ms [redacted] : We are in receipt of your correspondence sent on behalf of Mr [redacted] concerning the account referenced above Jefferson Capital Systems, LLC, acquired the [redacted] account on or around March 20, 2015, with the balance of $and subsequently placed the account with [redacted] ***, for collection efforts on our behalf In researching the matter with [redacted] ***, they confirmed the payment of $received October 30th was settlement for the balance This confirms we have requested the credit bureaus to delete our trade line from Mr***’s credit bureau file We appreciate the opportunity to address his concerns Sincerely, Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

May 30, 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 Ms [redacted] on May 30, 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 serviceSincerely, Kathy ***Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-#### e

Initial Business Response / [redacted] (1000, 5, 2015/06/09) */ June 9, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC, Account # [redacted] Debt Description: [redacted] Checking Case # [redacted] Dear Mr [redacted] : We are in receipt of your correspondence sent on behalf of Ms [redacted] concerning the account referenced above Jefferson Capital Systems, LLC, purchased the [redacted] Checking account and balance of $in February from [redacted] We received Ms [redacted] ' written request for validation of the debt on May 20, 2015, but did not have the documentation availableBased on Ms [redacted] ' claim the debt was previously disputed, we have closed our file and terminated collection actionWe are also notifying the credit bureaus to delete our trade line from Ms [redacted] ' credit bureau filePlease allow days for the credit bureaus to update their records Thank you for the opportunity to be of service Sincerely, Shirley S [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted]

January 11, 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 January 11, 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###-###-####

Initial Business Response / [redacted] (1000, 5, 2016/02/11) */ February 11, 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 account referenced above Our records indicate the [redacted] account was opened in November and charged off in July Jefferson Capital Systems, LLC, purchased the account and balance of $in December The information on his credit bureau file reflects when Jefferson Capital Systems, LLC, became the owner of the accountReprints of the last three billing statements are being sent under separate cover to Mr [redacted] along with a copy of this replyIn response to the communication received, we have closed our file and terminated collection actionWe are also notifying the credit bureaus to delete our trade line from Mr [redacted] 's 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]

August 9, 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 $1,on or around December 27, Pursuant Ms***’s request for validation of this debt, enclosed is a copy of the final [redacted] billing statement Although a balance remains, based on her dispute and 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 serviceSincerely, Kathy ***Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-#### Enclosure:

Initial Business Response / [redacted] (1000, 5, 2015/12/03) */ December 3, 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 [redacted] *** We are unable to locate an account for Ms [redacted] with the information she has providedPlease advise her to provide a copy of the Jefferson Capital Systems, LLC credit bureau trade line and we will further investigate this matterThis information can be sent to my attention via the mail at Jefferson Capital Systems, LLC, [redacted] , StCloud, MN 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] Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/12/04) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have enclosed what is showing on my Report Via Equfax and Exsperian Not sure about the other agency not able to check it from there also note the number for there business is incorrect on my report that is another Business who says he gets calls for them all the time and would like it to stop you can call him to verify JEFFCAPSYS [redacted] Aug 03, Open $1, Account Details Last Reported Oct 16, Collection Agency JEFFCAPSYS Original Creditor [redacted] Status Open Opened Date Aug 03, Closed Date -- Responsibility Individual Balance $1, High Balance $1, Remarks Placed for collection Creditor Contact Details JEFFERSON CAPITAL SYSTEM [redacted] SAINT CLOUD, MN (888) [redacted] They had my account I called and talked to a lady there about it the day before I lodged the complaint Also they can check under the name [redacted] Guy Final Business Response / [redacted] (4000, 9, 2015/12/11) */ December 11, 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 recent correspondence sent on behalf of [redacted] *** Based on the information Ms [redacted] provided, we were able to locate a [redacted] account with a balance of $1,that was purchased by Jefferson Capital Systems, LLC in August under the name of [redacted] GuyThis account was placed with [redacted] for collections and was returned to us on December 1, A Right to Dispute letter was sent to Ms [redacted] on December 3, Based on Ms, ***'s dispute, we have terminated collection efforts and are requesting the credit bureaus to delete our trade line from her credit file Thank you for the opportunity to reply Sincerely, Kathy [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted]

March 29, 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 Ms [redacted] on March 29, 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 serviceSincerely, Kathy ***Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####