Jefferson Capital Systems, LLC

December 15, Ms*** *** Revdex.com S River Ridge Circle Burnsville, MN Re: *** ***
Jefferson Capital Systems, LLC Account Number: *** Debt Description: *** Wireless Complaint ID#: *** Dear Ms***: We are in receipt of your correspondence sent on behalf of *** ***. Jefferson Capital Systems, LLC acquired the *** Wireless account and balance of $on or around April 14, 2015. A Right to Dispute letter was sent on January 8, 2016. Pursuant to Mr***’ request for validation of this debt, we have enclosed a copy of the final *** Wireless billing statement dated January 1, Although a balance remains on the account, to resolve this matter, we have terminated collection efforts. Additionally we 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 service Sincerely, Kathy *** Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-#### Enclosure:

April 17, Mr*** *** Revdex.com S River Ridge Circle Burnsville, MN Re: *** *** / ID *** Dear Mr***: We acknowledge receipt of your correspondence
sent on behalf of Ms*** This letter will confirm that on April 17, 2018, we responded directly to Ms***. 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 *** Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector Phone: ###-###-#### Attachment:

April 6, Ms*** *** Revdex.com S River Ridge Circle Burnsville, MN Re: *** ***
Jefferson Capital Systems, LLC Account Number: *** Debt Description: *** Wireless Complaint ID#: *** Dear Ms***: We are in receipt of your correspondence sent on behalf of *** *** Jefferson Capital Systems, LLC acquired the *** Wireless account and balance of $on or around October 12, 2016. The required California Notice of Assignment was sent to Mr*** on November 3, 2016. We have no record of receiving a written request for validation of this debt. However, enclosed is a copy of the final *** Wireless billing statement. Although a balance remains on the account, based on his stated dispute, we have terminated collection efforts and are requesting the 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 *** Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-#### Enclosure:

Initial Business Response /* (1000, 5, 2016/01/04) */
January 4,
Mr*** ***
Revdex.com
S River Ridge Circle
Burnsville, MN
Re: ***
Jefferson Capital Systems, LLC, Account Number: ***
Debt Description: ***
Case
#***
Dear Mr***:
We are in receipt of your correspondence sent on behalf of *** concerning the above-referenced account
This letter will confirm that Jefferson Capital Systems, LLC has requested the credit bureaus delete our trade line from Ms***'s credit file
Thank you for the opportunity to be of service
Sincerely,
Kathy ***
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
***
Initial Consumer Rebuttal /* (2000, 7, 2016/01/04) */
(The consumer indicated he/she ACCEPTED the response from the business.)

October 14, *** *** *** Revdex.com S River Ridge Circle Burnsville, MN Re: *** ***
Jefferson Capital Systems, LLC Account Number: *** Debt Description: *** Wireless Complaint ID#: *** Dear Ms***: We are in receipt of your correspondence sent on behalf of *** *** concerning the above-referenced account. We regret that Mr*** feels he received unsatisfactory serviceOur representatives are trained to provide exceptional service to all of our customers and we appreciate him bringing this matter to our attention Jefferson Capital Systems, LLC acquired the *** Wireless account and balance of $on or around December 1, 2015. Mr***’s payment of $satisfied this balanceTo resolve this matter, we have requested the credit bureaus delete our trade line from his credit file. We appreciate the opportunity to be of service Sincerely, Kathy *** Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

June 12, Ms*** *** Revdex.com S River Ridge Circle Burnsville, MN Re: *** ***
Jefferson Capital Systems, LLC Account Number: *** Original Creditor: *** Wireless Complaint ID#: *** Dear Ms***: We are in receipt of your correspondence sent on behalf of *** *** Jefferson Capital Systems, LLC acquired the *** Wireless account and balance of $on or around August 1, 2016. Payment was received on May 4, which paid the account in full. Based on your dispute, we have requested the credit bureaus delete our trade line from your credit file. Thank you for the opportunity to be of service Sincerely, Kathy *** Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

I am rejecting this response because: Fax was sent within one hour of phone callJefferson Capital never followed up saying it was not receivedI have to jump through hoops calling their general phone line getting someone new each phone callI need a direct contactThis is outrageous they accepted payments from *** *** without any issues they addressed me as *** *** now all the sudden its s problemThey are doing everything to not hold their end of the agreementI'm mailing personal information that can cause identity theft to random people this is very unprofessionalI need one primary contact

May 10, Mr*** *** Revdex.com S River Ridge Circle Burnsville, MN Re: *** *** Jefferson Capital Systems, LLC Account Complaint ID#: *** Dear Mr***: We are in receipt of your additional correspondence sent on behalf of *** ***. This letter confirms we are licensed to collect in the state of Michigan under ID #*** Thank you for the opportunity to be of service Sincerely, Kathy *** Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

February 15, Ms*** *** Revdex.com S River Ridge Circle Burnsville, MN Re: *** ***
Jefferson Capital Systems, LLC Account Number: *** Debt Description: *** Complaint ID#: *** Dear Ms***: We are in receipt of your correspondence sent on behalf of *** *** Jefferson Capital Systems, LLC acquired the *** account and balance of $4,on or around August 4, and subsequently placed the account with an agency to collect on our behalf. Although a balance remains on the account, based on Ms***’s stated hardship and to resolve this matter, we have recalled the account, 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 *** Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

March 8, Ms*** *** Revdex.com S River Ridge Circle Burnsville, MN Re: *** ***-***
Jefferson Capital Systems, LLC Account Number: *** Debt Description: *** Wireless Complaint ID#: *** Dear Ms***: We are in receipt of your correspondence sent on behalf of *** ***-*** Jefferson Capital Systems, LLC acquired the *** Wireless account and balance of $on or around April 14, 2015. Based on Ms***-***’ dispute, and to resolve this matter, we have terminated collection efforts and are requesting the credit bureaus delete our trade line from her credit file. Thank you for the opportunity to be of service Sincerely, Kathy *** Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

November 23, Ms*** *** Revdex.com S River Ridge Circle Burnsville, MN Re: *** ***
Jefferson Capital Systems, LLC, Account #*** Debt Description: *** *** *** Case ID: *** Dear Ms***: We are in receipt of your correspondence sent on behalf of Mr*** concerning the account referenced above Jefferson Capital Systems, LLC, acquired the *** *** *** account on or around July 20, 2015, with a balance of $673.02. In researching the matter with *** *** ***, we were advised the account was processed on-line and provided the enclosed statement pertaining to the balance. In response to Mr***’s communication, we have closed our file and terminated collection efforts. We are also requesting the credit bureaus to delete our trade line from his credit bureau file We appreciate the opportunity to respond Sincerely, Shirley *** Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-#### Enclosure:

January 23, 2018 Revdex.comAttention: *** ***SRiver Ridge CircleBurnsville, MN 55337 Re: *** *** / ID ***Jefferson Capital Systems, LLC account number:
*** Debt Description: *** Wireless Consumer Financial Protection Bureau case number: *** Dear Ms***: We acknowledge receipt of your correspondence sent on behalf of Mr*** concerning the above-referenced account. We received similar correspondence from the Consumer Financial Protection Bureau. Jefferson Capital Systems, LLC acquired the *** Wireless account and balance of $2,on or about August 3, 2015. Notice of Assignment was sent on or about August 25, to the address on file. In June 26, 2017, Mr*** called and we agreed to settle the debt for $1,200.00. Payment was not received. On January 10, 2018, we contacted Mr*** regarding the debt. During the call, Mr*** stated he was not going to pay the debt and disconnected the call. Although we disagree with the merits of his 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 ***Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt CollectorPhone: ###-###-#### C: Consumer Financial Protection Bureau

I am rejecting this response because:
Jefferson City says they can't find me in their system, but I am attaching a copy of the file in my credit reportI guarantee you I did not open a case with *** last yearThank You, *** ***

April 12, Ms*** *** Revdex.com S River Ridge Circle Burnsville, MN Re: *** *** Jefferson Capital Systems, LLC Account Number: *** Debt Description: *** Wireless Complaint ID#: *** Dear Ms***: We are in receipt of your additional correspondence sent on behalf of *** *** This letter will confirm we have terminated collection efforts and the credit bureaus have deleted/suppressed the Jefferson Capital System, LLC trade line from Ms***’s credit file. This account will not be sold or transferred Thank you for the opportunity to be of service Sincerely, Kathy *** Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

April 25, Mr*** *** Revdex.com S River Ridge Circle Burnsville, MN Re: *** *** / ID *** Dear Mr***: We acknowledge receipt of your
correspondence sent on behalf of Ms*** This letter will confirm that on April 25, 2018, we responded directly to Ms***. 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 *** Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector Phone: ###-###-#### Attachment:

Initial Business Response /* (1000, 5, 2016/02/04) */
February 4,
Mr*** ***
Revdex.com
S River Ridge Circle
Burnsville, MN
Re: *** ***
Jefferson Capital Systems, LLC, Account Number: ***
Debt Description:
***
Case #***
Dear Mr***:
We are in receipt of your correspondence sent on behalf of *** *** concerning the above-referenced account
The *** account was opened in March and charged off in August Jefferson Capital Systems, LLC, purchased the account and balance of $in March Based on Ms*** correspondence, we have contacted *** and they have confirmed they have had no contact with Ms*** and that this debt is validTo resolve this matter, 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 be of service
Sincerely,
Kathy ***
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
***
Initial Consumer Rebuttal /* (2000, 7, 2016/02/08) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I accept the offerPlease remove this from my credit

Initial Business Response /* (1000, 5, 2015/12/22) */
December 22,
Mr*** ***
Revdex.com
S River Ridge Circle
Burnsville, MN
Re: *** ***
Jefferson Capital Systems, LLC, Account Number: ***
Debt Description:
***
Case #***
Dear Mr***:
We are in receipt of your correspondence sent on behalf of *** *** concerning the above-referenced account
Jefferson Capital Systems, LLC, purchased the*** account and balance of $in April This account was opened in May and charged off for collections in January We have no record of receiving a written request for validation of this debtHowever, Mr*** did contact us via telephone on June 25, and again on December 16, stating he never had a*** accountA Fraud Letter and Affidavit was sent to him on June 26, and we did not receive the return of the completed documentIn order 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 ***
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
***
Initial Consumer Rebuttal /* (2000, 7, 2015/12/26) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response /* (1000, 5, 2015/12/30) */
December 30,
Revdex.com
Attention: *** ***
SRiver Ridge Circle
Burnsville, MN
Re: *** / Case number ***
Jefferson Capital Systems, LLC account number: ***
Debt Description:
***
Dear Mr***:
We acknowledge receipt of your correspondence sent on behalf of Ms*** concerning her above-referenced account
After review of Ms***'s collection file, including correspondence, account statements, default notices, payment reminders, and her entire court case, Jefferson Capital Systems, LLC acted lawfully and appropriately in the collection of her past due accountIn particular, Ms*** was personally served with the lawsuit at her home address and the case subsequently went to trial where the court entered judgment against her based on the evidence, including her monthly statements which showed her use of the accountLater, Ms*** entered into an affordable monthly payment arrangement but she defaulted from it, despite multiple payment reminder letters, calls, and default notices being sent to herAlthough she subsequently paid $1,000, she made the payment online without speaking to anyone and without entering into any revised settlement agreementAs a result, this payment was applied to her balance owedFurthermore, the wage garnishments and the bank levy referenced in her complaint were properly issued by the court and were processed in accordance with the lawMs*** even agreed in writing for the court to have her bank funds applied as a credit on the judgment she owed
In the complaint, Ms*** asserted that a company called "Delta" got her information from Jefferson Capital Systems, LLC, but this assertion is simply not trueJefferson Capital Systems, LLC does not sell consumer information to any other companies
Thank you for the opportunity to respond
Sincerely,
Jonathan ***, Esq
Chief Compliance Officer, Legal Solutions
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
Initial Consumer Rebuttal /* (3000, 7, 2015/12/30) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept the response from Jefferson capitalFor one, they did not send anything to my houseI have never ever lived on DukeI do not know how they got this informationI did go to court because the people that do live on Duke found me on facebook, and told me I had court papersI did call Jefferson capital about the $payment I had madeLetters were not sent to my home, nor were calls made after the $was paidThey accepted the payment just fine, but did not accept the payment arrangement madeIf proper records were not kept, I should not be penalizedRegarding signing the paper work, I was most certainly bullied into signing itI was told they were going to charge me more moneyThey then still ended up taking money out of my pay checkIn regards to "Delta," after this complaint was filed, they have oddly enough stopped calling me
Final Business Response /* (4000, 9, 2016/01/15) */
January 15,
Revdex.com
Attention: *** ***
SRiver Ridge Circle
Burnsville, MN
Re: *** / Case number 2009C
Jefferson Capital Systems, LLC account number: ***
Debt Description: ***
Dear Mr***:
We acknowledge receipt of the additional correspondence sent on behalf of Ms*** concerning her above-referenced account
Upon review of the additional information submitted by Ms*** and her entire collection file and court case again, none of the additional assertions presented are accurateFor instance, Ms*** was personally served with a summons and complaint at her home address - different from the address on Duke Street - where she personally identified herself to the process serverSee Affidavit of Service, attached as Exhibit AIt appears that the only reason any court documents were sent to an address on Duke Street after she was personally served was because she listed it as her home address on the answer she filed with the courtSee Answer, Page 2, attached as Exhibit BAccordingly, on June 27, 2009, Ms*** attended her trial and presented testimony, but the court held that she owed the debt and entered judgment against herSee Court Docket, attached as Exhibit C
Second, almost five years later in May of 2014, the file shows that there were no settlement offers to pay the debt in full for $1,By contrast, the collection activity notes, which detail all interactions with Ms***, do not reflect any $1,settlement conversationsIn addition, the correspondence in her file does not have any such written offers by either partyBy contrast, the file shows that Liberty Acquisitions Servicing, LLC, the predecessor-in-interest to Jefferson Capital Systems, LLC ("Jefferson Capital"), received a $1,payment on her judgment debt via its payment websiteBecause her entire judgment balance was due and payable immediately at that time, acceptance of this partial payment on the balance owed did not entitle Ms*** to "months of payments" offNor did a voluntary partial payment from Ms*** somehow settle the account in fullBy contrast, she still owed the remaining balance due
Third, despite Ms***'s assertion that Jefferson Capital Systems, LLC "stole" money from her bank account and did so without notice to her, the bank levy was issued by the court and served upon Ms***'s bank in accordance with the Colorado Rules of Civil ProcedureUpon learning of the bank levy and importantly, before the bank released those funds to Jefferson Capital, Ms*** filed a claim of exemption and the court held a hearing to determine if there was a legal reason that the funds should not be subject to its previously issued levyOn March 19, 2015, the court had a hearing on the matter and held that Ms***'s claim of exemption was not validMs*** agreed and signed a waiver for the funds to be paid to Jefferson CapitalSee Waiver and Acceptance of Service for Notice of Levy, attached as Exhibit D, and Court Docket, attached as Exhibit CAlthough Ms*** asserts that she "was most certainly bullied into signing it," she signed it at court as a result of her fair and impartial court hearingLikewise, her subsequent wage garnishment was issued by the court to pay the remaining balance owed on her judgment debt after her bank funds were received, which did not satisfy the outstanding balanceAs a result, Ms*** settled the debt in full
Finally, although Ms*** alleges that a company called "Delta" was calling her on behalf of Jefferson Capital and it has recently ceased such communications, Jefferson Capital has no knowledge of any third party called "Delta" nor has it authorized any other company, including one called "Delta," to call Ms*** for any reason whatsoever
Thank you for the opportunity to respond
Sincerely,
Jonathan ***, Esq
Chief Compliance Officer, Legal Solutions
On behalf of Jefferson Capital Systems, LLC, A Debt Collector

December 15, Ms*** *** Revdex.com S River Ridge Circle Burnsville, MN Re: *** ***
Jefferson Capital Systems, LLC, Account #*** Debt Description: *** Wireless Case ID: *** Dear Ms***: We are in receipt of your correspondence sent on behalf of Mr*** concerning the account referenced above Jefferson Capital Systems, LLC, acquired the *** Wireless account on or around August 1, 2016, with the balance of $474.45. In researching the matter with *** Wireless, they advised they did not receive any disputes regarding the account and have provided the enclosed copy of the Contract, the Confirmation Letter, and four statements. Although we show a balance is 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 *** Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-#### Enclosure:

January 31, Ms*** *** Revdex.com S River Ridge Circle Burnsville, MN Re: *** ***
Jefferson Capital Systems, LLC Account Number: *** Debt Description: *** *** Complaint ID#: *** Dear Ms***: We are in receipt of your correspondence sent on behalf of *** *** This letter will confirm we have responded directly to Mr*** on January 31, 2018. Mr*** 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 *** Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####