Jefferson Capital Systems, LLC

January 4, 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 $1,on or around October 12, and subsequently placed the account with [redacted] ***, for collection efforts Payment has been received by [redacted] ***which has reduced the balance to $1, Although this account has been reported accurately to the credit bureaus, to resolve this matter, we are requesting the credit bureaus delete our trade line from Mr***’s 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 ###-###-####

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] Case # [redacted] Dear Mr [redacted] : We are in receipt of your correspondence sent on behalf of Ms [redacted] concerning her account referenced above Jefferson Capital Systems, LLC, purchased the [redacted] account and balance of $in September and subsequently placed the account with [redacted] (NRC) for collection effortsMs [redacted] states she did not agree to the payment of $withdrawn from her bank accountIn researching the matter with NRC, they confirmed Ms [redacted] agreed to the payment arrangementFor questions or concerns regarding the payment, please advise Ms [redacted] to contact NRC at [redacted] 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, 2015/06/22) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do NOT except there response, as I did NOT agree for them to take money, in the amount of out of my account at one time, as they stated a post dated checkI went back into my records and found were I agreed to make payments until Feb2015, which I didAt that time we would discuss how my finances were, they said they would contact me" I actually thought I was done with this debt." It says that _ _ _ confirmed that I agreed to the payment arrangementI agreed to a month until Feb 2015, not all at one timeI do not make a lot of money and I know I would not have agreed to the large amount My point is: I know they are debt collectors but they can not just go ahead and take money out of someones account with out the agreement from the person and the correct amount and not being notified by mail until a week after they took out the moneyI am sorry, but that must be illegalThe reason they could take that amount was because I was trying to take care of that debt and I trusted them with my account information and they illegally used it to take the out of my accountRemember the only mail I rec`d from them was a week after they illegally took that money out of my account If they did it to me, how many other people is this happening toI think there accounts should be investigatedThey took what little money I had, so I could not pay my other small bills, which became late and now fees have been applied, they have already damaged my credit down to worth nothingSo I want this off my Credit, all three of them!! And maybe while they are at it, they can call my slate clean!! If not so be itOh yes, I want to see proof that I agreed for them to take that out of my account all at one time Thank you for your assistance and your time and God Bless Final Business Response / [redacted] (4000, 9, 2015/06/30) */ June 30, 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 additional correspondence sent on behalf of Ms [redacted] concerning her account referenced above We are writing in response to Ms [redacted] 's continuing claim that she did not authorize [redacted] (NRC) to take a payment of $from her accountNRC has retained a recording of the call in which the authorization was providedIf Ms [redacted] would like to listen to the conversation, she can call Preston [redacted] of NRC at [redacted] 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]

July 12, 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 $on or around October 12, Electronic disputes were received from the credit bureaus which we verified Although a balance remains, based on his 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 ###-###-####

June 22, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC Account Number: [redacted] Original Creditor: [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] Direct Marketing account and balance of $on or around January 14, 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 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 ###-###-####

April 24, 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 24, 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:

January 22, 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 22, 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 ###-###-####

April 11, 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 11, 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:

February 7, Ms [redacted] Revdex.com S River 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 This letter will confirm that on February 7, we responded directly to Mr [redacted] 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: ###-###-####

Initial Business Response / [redacted] (1000, 6, 2015/11/09) */ November 9, 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 Jefferson Capital Systems, LLC, purchased the [redacted] account and balance of $in March and placed the account with [redacted] (DVS), for collection effortsWe have researched the matter with DVS and confirmed Mr***' settlement payment in the amount of $was received in their office November 2ndThe payment is being forwarded to us at which time the account will be updated to reflect the settlementAlthough it is not our policy to delete the trade lines on settled-in-full accounts, to resolve the dispute, we have notified the credit bureaus to delete our trade line from Mr***' credit bureau file Thank you for the opportunity to clarify the matter Sincerely, Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted] Initial Consumer Rebuttal / [redacted] (2000, 8, 2015/11/09) */ (The consumer indicated he/she ACCEPTED the response from the business.) Thank you very much

Initial Business Response / [redacted] (1000, 5, 2015/08/25) */ August 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 are in receipt of your correspondence sent on behalf of Mr [redacted] concerning the account referenced above According to the information provided, the account was opened in October and charged off in February Jefferson Capital Systems, LLC, purchased the [redacted] account and balance of $in June In response to Mr [redacted] 's claim of identity theft, we have closed our file and terminated collection actionWe 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 the matter Sincerely, [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted] Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/08/25) */ (The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response / [redacted] (1000, 5, 2015/10/08) */ ***response has been scanned in and converted to text below (original document is available using the online complaint system) We acknowledge receipt of your correspondence sent on behalf of Ms [redacted] concerning the account referenced above Jefferson Capital Systems, LLC, purchased the [redacted] account and balance of $in August Enclosed please find a copy of the final billing statement reflecting the balanceIn order to resolve Ms [redacted] ' dispute, this confirms we have notified the credit bureaus to delete our trade line from her credit bureau file and have closed our file and terminated collection efforts Thank you for the opportunity to be of service

May 23, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Complaint ID#: [redacted] Dear Mr***: 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 May 23, 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 service Sincerely, Kathy [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-#### Attachment:

March 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 October 12, A letter was sent to Ms [redacted] on November 3, advising Jefferson Capital Systems, LLC was the new owner of this account Ms [redacted] states she paid the [redacted] account in full Enclosed are copies of her [redacted] Wireless billing statements pertaining to her current balance As reflected on the June 2, statement, payment is full was received by [redacted] Wireless, however, monthly charges were assessed leaving a remaining balance of $ Based on her stated dispute and to resolve this matter, we have terminated collection efforts Additionally, we are requesting the credit bureaus to 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 ###-###-#### Enclosures:

April 19, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC, Account Number: [redacted] Debt Description: Fingerhut Direct Marketing ID Number: [redacted] Dear Mr [redacted] : We are in receipt of your correspondence sent on behalf of [redacted] concerning the above-referenced account The Fingerhut Direct Marketing account was opened in June and charged off in December Jefferson Capital Systems, LLC purchased the account and balance of $in December and subsequently placed the account with Rausch, Sturm, Israel, Enerson & Hornik, LLC for collection efforts and they have filed suit on our behalfIn researching the matter, we were advised there were no telephone contacts with Ms [redacted] and the Right to Dispute letter was sent to her Although we disagree with the merits of her dispute, we have instructed Rausch, Sturm, Israel, Enerson & Hornik, LLC to dismiss the suit and are awaiting confirmation of the dismissal Our file will be closed and collection action will be terminatedThis letter will confirm that Jefferson Capital Systems, LLC is requesting the credit bureaus to delete our trade line from Ms [redacted] ’s credit file Thank you for the opportunity to be of serviceSincerely, [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted]

Initial Business Response / [redacted] (1000, 5, 2015/08/14) */ August 14, 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 Mrs [redacted] concerning her credit bureau file and the account referenced above This communication confirms that based on the information Mrs [redacted] provided, 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 recordsIn the meantime, she can present this letter to her creditors as proof of the actions being taken We appreciate the opportunity to be of service Sincerely, Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted]

July 21, Revdex.com Attention: [redacted] SRiver 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 his above-referenced account Jefferson Capital Systems, LLC acquired Mr***’s [redacted] account and balance of $on or around June 5, On June 26, 2015, the right to dispute notice was sent to Mr*** We have no record of Mr [redacted] responding to the communication Although we disagree with the merits of Mr***’s dispute, to resolve the matter, 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 The account will not be sold or forwarded for further collection efforts 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 18, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC Account Number: [redacted] Debt Description: [redacted] Card Jefferson Capital Systems, LLC Account Number: [redacted] Our Client: [redacted] Debt Description: [redacted] Bankcard MasterCard Complaint ID# [redacted] Dear Ms [redacted] : We are in receipt of your correspondence sent on behalf of [redacted] concerning the above-referenced accounts Upon researching Ms [redacted] ’s dispute, we have located two accounts for Ms [redacted] in our office Jefferson Capital Systems, LLC acquired the [redacted] Card account and balance of $on or around August 21, and subsequently placed the account with Jefferson Capital Legal Solutions for collection efforts This account has been reported to the credit reporting agencies To resolve this matter, we have recalled the account, terminated collection efforts and have requested the credit bureaus to delete our trade line from Ms [redacted] ’s credit file This letter will confirm this account will not be sold or transferred The [redacted] account she referenced in her complaint was referred to us by our client in May for collection efforts Since we were servicing the account for [redacted] ***, Jefferson Capital Systems, LLC has not reported this account to the credit bureaus The account was returned to [redacted] on June 6, and our file was closed 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 13, 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] Although we disagree with the merits of Mr [redacted] ’s complaint, this letter will confirm we have terminated collection efforts Additionally, the credit reporting agencies have delete/suppressed the Jefferson Capital Systems, LLC trade line from your 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 ###-###-####

August 9, Revdex.com Attention: [redacted] SRiver Ridge Circle Burnsville, MN Re: [redacted] / ID [redacted] Jefferson Capital Systems, LLC account number: [redacted] Our Client: [redacted] Bank Debt Description: [redacted] Consumer Financial Protection Bureau case number: [redacted] Dear Ms [redacted] : We acknowledge receipt of your correspondence sent on behalf of Ms [redacted] concerning the above-referenced account We received similar correspondence from the Consumer Financial Protection Bureau Jefferson Capital Systems, LLC is fully bonded in the state of Texas through Travelers Casualty and Surety Company of America, bond number [redacted] Ms [redacted] ’s above-referenced account was placed with Jefferson Capital Systems, LLC for collections by our client in January We have no record of receiving any prior communications from Ms [redacted] or from the credit bureaus concerning the account Based on Ms [redacted] ’s dispute, we have closed our file and terminated collection action We have also notified our client regarding the dispute This letter confirms Jefferson Capital Systems, LLC has not reported any information regarding the account to the credit bureaus Thank you for the opportunity to respond Sincerely, Sharon [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector Phone: ###-###-#### C: Consumer Financial Protection Bureau

December 4, 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 December 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 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 ###-###-####