Jefferson Capital Systems, LLC

June 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 Mr [redacted] : We acknowledge receipt of your correspondence sent on behalf of Mr [redacted] concerning his above-referenced account Jefferson Capital Systems, LLC acquired Mr [redacted] ’s [redacted] account and balance of $in or around October and placed the account with [redacted] ***(“***”) for collection purposes On February 1, 2016, a payment for $posted to the account We were unaware that Mr [redacted] had settled the account with [redacted] until March 15, 2016, at which time we recalled the account, terminated further collection efforts and notified the bureaus to delete the trade line This letter confirms that all collection efforts have ceased and that we have again notified the bureaus to delete our trade line from Mr [redacted] ’s 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: ###-###-####

August 24, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC Account Number: [redacted] Debt Description: [redacted] Wireless 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 ending in [redacted] and balance of $1,on or around March 20, A Right to Dispute letter was sent to Ms [redacted] on April 8, The [redacted] Wireless account ending in [redacted] and balance of $was acquired on or around February 1, A Right to Dispute letter was sent on this account on February 25, Although balances remain on both accounts, to resolve this matter, we have terminated collection efforts We are also requesting the credit bureaus delete our trade lines from Ms***’ credit files We appreciate the opportunity to be of service Sincerely, Kathy [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

June 16, 2016 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] Dear Mr. [redacted] : We acknowledge receipt of your correspondence sent on behalf of Mr. [redacted] concerning his above-referenced account. Jefferson Capital Systems, LLC acquired the [redacted] account in or around August 2015. Payment in full posted to the account on October 29, 2015 and we notified the bureaus accordingly of the paid-in-full status. Based on your correspondence and to resolve this matter, we have notified the bureaus to delete our trade line from Mr. [redacted] ’s 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: ###-###-####

I am rejecting this response because:The company is lying, they have not responded to the consumer financial protection bureau complaintsSecondly they had more then days to respond yet no responseYes want this removed from my creator file

January 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] *** This letter will confirm we have responded directly to Mr [redacted] on January 31, 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 ###-###-####

April 25, 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 Mr [redacted] on April 25, 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 service Sincerely, Kathy [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

Initial Business Response / [redacted] (1000, 5, 2015/05/06) */ May 6, 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] concerning his above-referenced account The [redacted] Checking account was placed with us for collections by [redacted] , in February It is our policy not to make any deletion of a trade line conditional upon receipt of paymentAs a courtesy, we are notifying the bureaus to delete our trade line from Mr [redacted] 's credit fileThis communication confirms we are willing to accept the payment arrangements previously made with [redacted] Based on the agreement to settle the account for $171.88, this confirms the remaining balance is $with the posting of the $payments received in March and April Please advise Mr [redacted] to call [redacted] to schedule his payments with us We appreciate the opportunity to be of service to your office and Mr [redacted] Sincerely, Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted] Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/05/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) Ms***, I only haven't accepted the resolution yet because I haven't been able to get through to [redacted] to confirm that they sold the account yet (they are still sending me bills)I'll be trying to contact them again on monday Assuming they do confirm it was sold, would you be willing to accept a lump sum of at the end of June rather than a month until the is paid off? I'd love to get this whole thing behind me, but I'm getting married in June and won't have the hundred dollars to pay until thenI can continue the plan I set up with [redacted] if the lump sum isn't an acceptable alternative to you Thanks, [redacted] Final Consumer Response / [redacted] (3000, 16, 2015/07/08) */ Sorry to do this through Revdex.com, but I have no other way of contacting you and getting a responseI have called multiple times, but every time (after being put on hold for an extended period of time) a machine tells me "at this time, no representatives are available to take your call, please try again later." I do think it's a little silly that it's this hard for me to give you moneyIs there another way I can make the payment besides the number that seems to just be a waste of my time? Thanks Final Business Response / [redacted] (4000, 18, 2015/07/10) */ July 10, 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 are in receipt of your additional correspondence sent on behalf of Mr [redacted] concerning his above-referenced account We regret the difficulties Mr [redacted] experienced in his attempts to contact our Account Support team and appreciate the opportunity to address the matterPlease advise Mr [redacted] to call the Consumer Relations toll-free number shown below at which time we will coordinate his call with a representative who will assist him with making payment We look forward to resolving this matter for Mr [redacted] 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] Complaint ID#: [redacted] Dear Ms [redacted] : We are in receipt of your correspondence sent on behalf of [redacted] We are unable to locate an account under the name of [redacted] with the information he has provided To locate an account, we would need a copy of his credit report reflecting our trade line and/or the Jefferson Capital Systems, LC referenced numberThank you for the opportunity to be of serviceSincerely, Kathy ***Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####

July 19, Ms [redacted] Revdex.com S River Ridge CircleBurnsville, MN Re: [redacted] *** Jefferson Capital Systems, LLC Account Number: [redacted] Debt Description: P [redacted] Jefferson Capital Systems, LLC Account Number: [redacted] Debt Description: [redacted] Wireless Complaint ID#: [redacted] Dear Ms [redacted] : We are in receipt of your additional correspondence sent on behalf of [redacted] *** As we advise in our previous correspondence, the P [redacted] account has been returned to our client Jefferson Capital Systems, LLC has not reported this account to the bureaus and we have no control of the reporting done by other companies We have forwarded the additional correspondence to P [redacted] This letter will confirm we have terminated collection efforts on the [redacted] Wireless account and the credit bureaus have deleted/suppressed 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###-###-#### e

Initial Business Response / [redacted] (1000, 6, 2015/07/24) */ July 24, 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 Jefferson Capital Systems, LLC, purchased the [redacted] account and balance of $in February from [redacted] On June 20, 2015, a communication was received from Mr [redacted] stating he was willing to make payment for the debt if we were willing to remove the account from his credit bureau fileOn June 21, 2015, he called and spoke with a representative then stating the account was not his and would send a dispute letter to that effectTo bring closure to this matter, we have closed our file and terminated collection effortsWe are also notifying the credit bureaus to delete our trade line from his credit bureau filePlease allow the credit bureaus days to update their records We appreciate the opportunity to address this matter Sincerely, Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted] Initial Consumer Rebuttal / [redacted] (2000, 8, 2015/07/25) */ (The consumer indicated he/she ACCEPTED the response from the business.)

I am rejecting this response because: I owe Jefferson Capital Systems no money and what they are doing is illegal on all levelsI have been working constantly with [redacted] the original creditor Jefferson Capital Systems report sold them the debtThey continue to deny ever having anything to do with Jefferson Capital Systems and have no records of the said transaction ever taking placeI have written a dispute letter to Jefferson Capital Systems, requesting Jefferson Capital Systems to provide: As I already requested in the dispute letter sent to Jefferson Capital Systems LLC, If Jefferson Capital system is unable to provide a full debt validation documents to the above identifying accounts information within days (3/20/18) from the date of their receipt (2/20/2018), I will have no recourse but to presume the debt(s) invalid and/or fraudulent and request account deletion from all credit reporting agencies (Transunion, Equifax, and Experian) immediately without further discussion of payment in full or partial settlement.Please I remind Jefferson capital Systems LLC to conduct all communication through written correspondence to the following address only:Mr [redacted] aka ( [redacted] ) [redacted] New Britain, CT 06053Absolutely no phone calls will be accepted from Jefferson Capital Systems LLCIf correspondence is initiated by JCS in any manner other than permitted, I will cease all communication (invoking my legal right to request JCS cease communication) with the presumption that the debt is invalid and that I own zero responsibility (in part or whole) for the repayment of said debt.Thank you Revdex.com for your assistance.- [redacted] ***

I am rejecting this response because: Jefferson Capitals said that I could pay the original debt for for cents on the dollar and call it paid offThat was Nov2016, which I have a bank statement that I paid them dollars .And then they say that I owe dollars more that I will not payI paid them once but I will not pay them penny moreI dont care if they sold off to another debt collector its still the same company Jefferson Capitals.And Ive seen over a complaints on their website so they must be doing something wrongThat is debt gouging and something has to be done to stop itThank you for Your response to my reply

November 1, 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 November 1, 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 ###-###-####

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 will refile my complaint if the actions promised by Jefferson Capital Systems are not completed

February 9, 2018 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 additional correspondence sent on behalf of [redacted] . Based on our previous correspondence sent to Mr. [redacted] on February 5, 2018 and our subsequent telephone conversation with his we believe our actions have resolved this matter to his 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 ###-###-####

August 17, 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 October 12, Based on his dispute and 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 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###-###-####

October 14, 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] concerning the above-referenced accountJefferson Capital Systems, LLC acquired the [redacted] Wireless account and balance of $on or around June 7, and subsequently placed the account with [redacted] ***, for collection efforts To resolve this matter, we have recalled the account, terminated collection efforts and are requesting the credit bureaus delete our trade line from Ms [redacted] ’s credit file This letter will confirm the account will not be sold or transferredWe appreciate the opportunity to be of serviceSincerely, Kathy ***Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####

April 25, 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 an account, we request Ms. [redacted] provide us with a copy of the letter she received reflecting the Jefferson Capital Systems, LLC referenced number and we will address her concerns. 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 Mr [redacted] on January 8, 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 ###-###-####

October 18, 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] & [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 18, 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 serviceSincerely, Kathy ***Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####