Jefferson Capital Systems, LLC

March 28, 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 Mr [redacted] concerning the above-referenced account This letter will confirm that on March 28, 2018, we responded directly to Mr*** He 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] , and find that this resolution is satisfactory to meThank you very much also could my co-signer and I, [redacted] T [redacted] get letters stating the deletion sent to our homes for future reference just in case this comes up again so we can have them on fileThanks

January 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] This letter will confirm we have responded directly to Ms [redacted] on January 16, 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 ###-###-####

[redacted] October 18, 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] *** This letter will confirm we have responded directly to Ms [redacted] on October 18, 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###-###-####

June 4, 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 June 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 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 ###-###-####

August 10, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] *** Jefferson Capital Systems, LLC Account Number: [redacted] Debt Description: [redacted] Card Complaint ID# [redacted] Dear Ms [redacted] : We are in receipt of your correspondence sent on behalf of [redacted] concerning the above-referenced account We regret the problems Ms [redacted] encountered when attempting to reach us by telephone Jefferson Capital Systems, LLC acquired the [redacted] account and balance of $on or around December 22, This account was not included in the ruling mentioned in Ms***’s correspondence Although the balance remains on the account, to resolve this matter, we have terminated collection efforts We are also requesting the credit bureaus delete our trade line from Ms***’s 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 ###-###-####

August 31, 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 According to our records, the [redacted] Wireless account was opened on July 2, and was charged off on March 27, with a balance of $ Jefferson Capital Systems, LLC acquired the [redacted] Wireless account on or about June 7, To resolve Mr [redacted] ’s dispute, we have terminated further collection efforts and closed our file We have also notified 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: ###-###-####

Initial Business Response / [redacted] (1000, 5, 2015/07/07) */ July 7, 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 acknowledge 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] The account was subsequently placed with Allied Interstate, LLC, for collection efforts and they sent Ms [redacted] the Right to Dispute letter on May 16, In response to her claim she has no knowledge of the debt, we have recalled the account and terminated collection actionWe are also notifying the credit bureaus to delete our trade line from Ms [redacted] 's credit file and this letter confirms the account will not be sold 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] (3000, 7, 2015/07/10) */ (The consumer indicated he/she DID NOT accept the response from the business.) until it has been deleted from each tradeline on my credit report and not sold then I will be satisfied Final Business Response / [redacted] (4000, 9, 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] Checking Case # [redacted] Dear Mr [redacted] : We acknowledge receipt of your additional correspondence sent on behalf of Ms [redacted] concerning the account referenced above We have confirmed that the credit bureaus have deleted/suppressed our trade line from Ms [redacted] 's credit bureau fileWe have closed our file and terminated collection; therefore, the account will not be sold We appreciate the opportunity to respond Sincerely, Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted] Final Consumer Response / [redacted] (2000, 11, 2015/07/20) */ (The consumer indicated he/she ACCEPTED the response from the business.) I will verify with all agenciesThank you for you response and your help

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 9, 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 ###-###-####

Revdex.com: I do not acknowledge in any way that this is my debtAll of my student loans are federal and consolidatedThe college that I went to has since been shut down due to fraudulent activity.However I appreciate Jeff Capital removing this from my credit reportI will call the phone number given and discuss possible options I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me

Initial Business Response / [redacted] (1000, 5, 2015/06/18) */ June 18, 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 subsequently placed the account with Allied Interstate, LLC, for collection effortsIn researching the matter with Allied Interstate, LLC, they advised Ms [redacted] spoke with them on June 16th and she questioned if she paid the account if the trade line would be deletedShe was advised the account would be reported as paidAlthough we disagree with the merits of her dispute, as a courtesy, we have recalled the account and terminated collection actionIn addition, we are notifying the credit bureaus to delete our trade line from her credit bureau file Thank you for the opportunity to respond Sincerely, [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted] Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/06/18) */ (The consumer indicated he/she ACCEPTED the response from the business.)

September 19, 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 $2,on or around August 1, Electronic disputes were received from the credit bureaus which were verified Although we disagree with the merits of Ms [redacted] ’s dispute, 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 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 ###-###-####

May 4, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] / [redacted] Dear Mr***: We acknowledge receipt of your correspondence sent on behalf of Ms [redacted] This letter will confirm that on May 4, 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:

April 3, 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 Mr [redacted] This letter will confirm that on April 3, 2018, we responded directly to Mr [redacted] He 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:

Initial Business Response / [redacted] (1000, 5, 2016/02/25) */ February 25, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC, Account #'s: [redacted] and [redacted] Debt Description: [redacted] and [redacted] Case # [redacted] Dear Mr [redacted] : We are in receipt of your correspondence sent on behalf of Miss [redacted] concerning the accounts referenced above Our records indicate the [redacted] account was opened in October and charged off in April The [redacted] account was opened in September and also charged off in April Jefferson Capital Systems, LLC, purchased both accounts in January with balances of $1,and $1,024.10, respectivelyThe accounts are within the applicable credit reporting periodAccording to our files, Miss [redacted] contacted us via the telephone in January stating she felt the accounts were included in her bankruptcy filing and offered to pay if we deleted the trade linesShe was advised at that time that we report accurately and do not accept payment for deletionIn response to her stated dispute and as a courtesy, we have closed our files and terminated collection effortsWe have also requested the credit bureaus to delete our trade lines from her credit bureau file and the account will not be sold or transferred We appreciate the opportunity to respond Sincerely, Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted]

September 8, 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 Ms [redacted] concerning a garnishment Based on the information provided in the communication, we did not locate an account for Ms*** In order to investigate the matter and properly respond, we will need the account number, information with regard to a change in name or information regarding a change in address We look forward to receiving the requested information and the opportunity to respond to the matter Sincerely, Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

June 15, 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 $1,on or around March 31, Although a balance remains, 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 fileThis 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 ###-###-####

July 12, 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 additional correspondence sent on behalf of [redacted] Jefferson Capital Systems, LLC acquired the [redacted] Wireless account and balance of $1,on or around February 13, Based on Ms [redacted] ’s previous request to cease collection efforts on her account, no correspondence has been sentPursuant to her request for validation of this debt, enclosed is a copy of the final [redacted] Wireless billing statementThis letter will confirm we have terminated collection efforts Additionally, the credit reporting agencies 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###-###-#### Enclosure:

Initial Business Response / [redacted] (1000, 5, 2015/06/26) */ June 26, 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 her above-referenced account Jefferson Capital Systems, LLC, purchased the [redacted] account in July and the account was subsequently placed with [redacted] for collectionIn researching the matter with [redacted] , we were advised Ms [redacted] did file for disability discharge for her federal loans but never applied for a review of her private loans to see if they were eligible for any type of discharge or partial dischargeTo resolve the matter, however, we have instructed [redacted] to dismiss the suitWe are recalling the account, terminating further collection efforts and closing our fileWe are also notifying the credit bureaus to delete our trade line from Ms***'s credit file 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, 2015/07/01) */ (The consumer indicated he/she ACCEPTED the response from the business.) Thank for acknowledging that the school loan was dischargedI have enough things to worry about with my cancer and do/did not need this headache on top of it and my disability

Initial Business Response / [redacted] (1000, 5, 2016/02/25) */ February 25, 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 [redacted] account Our records indicate the [redacted] account was opened in November and charged off in October Jefferson Capital Systems, LLC, purchased the account with a balance of $4,in August A letter was sent on October 9th advising Ms [redacted] we were the current owners of the accountIn December 2015, the account was placed with [redacted] , for collection efforts on our behalfThey have provided information indicating they sent Ms [redacted] the Right to Dispute letter on January 5th and 7thEnclosed is the Arbitration Agreement, the Redemption and Reinstatement Form and two letters from [redacted] In response to the communication received and as a courtesy, we have recalled the account, closed our file, and terminated collection actionThis confirms the account will not be sold or transferred and we have requested the credit bureaus to delete our trade line from her credit bureau 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: