Jefferson Capital Systems, LLC

Revdex.com: The response that the report is accurate is wrong. I have attached my fico report which clearly shows three seperat accounts. However they have deleted the other two accounts so I am satisfied. 
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 /* (1000, 5, 2015/09/22) */
September 22, 2015
Mr. [redacted]
Revdex.com
220 S River Ridge Circle
Burnsville, MN 55337
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 Miss [redacted] concerning her above-referenced account.
According to the information provided, the [redacted] student loan account was opened in April 2013 and charged off in February 2014. Jefferson Capital Systems LLC, purchased the account in February 2014 with a balance of $1,180.00. The Right to Dispute letter was sent to her in April 2014. Although Miss [redacted] states she sent a certified letter in July 2014, we do not show any prior written communications received regarding the account. However, our records reflect a telephone conversation between Miss [redacted] and a representative on May 21, 2015, wherein she wanted to know if she made payment of $600.00 as settlement if we would delete our trade line. She was advised we would update her credit file.
Pursuant to her request, enclosed please find the Enrollment Agreement and the Student Ledger reflecting the balance of $1,180.00. Although we disagree with the merits of her dispute, as a courtesy, we are notifying the credit bureaus to delete our trade line from her credit bureau file. This also confirms the account will not be sold or transferred.
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]
Enclosure:
Initial Consumer Rebuttal /* (2000, 7, 2015/09/23) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I accept the agreement to have the collection removed. However, the dispute over the phone was only to have it removed as it was affecting my credit score. It was not to acknowledge that it was supposed to be there because it wasn't. Thanks for your convenience!

March 15, 2018       Mr. [redacted] Revdex.com  220 S River Ridge Circle Burnsville, MN 55337   Re:          [redacted] / ID [redacted]...

                Jefferson Capital Systems, LLC account number: [redacted]                 Debt Description: [redacted] Wireless   Dear Mr. [redacted]:   We acknowledge receipt of your correspondence sent on behalf of Ms. [redacted] concerning the above-referenced account.   This letter will confirm that on March 15, 2018 we responded directly to Ms. [redacted].  She should allow 7-10 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:

August 31, 2017   Revdex.com Attention: [redacted] 220 S. River Ridge Circle Burnsville, MN 55337   Re:          [redacted]                ...

Jefferson Capital Systems, LLC account number: [redacted]                 Debt Description: [redacted]        Dear Ms. [redacted]:   We acknowledge receipt of your correspondence sent on behalf of Ms. [redacted] concerning his above-referenced account. After review of Ms. [redacted]’s collection file, including correspondence and court documents, Jefferson Capital Systems, LLC (“Jefferson”) acted lawfully and appropriately in the collection of her past due account.    Pursuant to the Florida Debt Buyer statute FCCPA 559.715, a Notice of Assignment was sent to Ms. [redacted]’s current address on or about October 20, 2016.  See attached Notice of Assignment Letter. A validation notice was sent to Ms. [redacted]’s current address on or about November 22, 2016. See attached Validation Notice. There was no response from Ms. [redacted] or request for verification of her debt pursuant to the Fair Debt Collection Practices Act.    Upon review of the account Jefferson has acted legally and properly regarding this account. In response to Complaint, we will also provide Ms. [redacted] with Verification of the Account. We would encourage Ms. [redacted] to contact our offices at ###-###-####.   Thank you for the opportunity to respond.                                          ...⇄ Sincerely,   Katherine R. [redacted], Esq. Compliance Officer On behalf of Jefferson Capital Systems, LLC, A Debt Collector

August 4, 2017   Ms. [redacted]Revdex.com          220 S River Ridge CircleBurnsville, MN 55337 Re:      [redacted]           ...

Jefferson Capital Systems, LLC Account Number:  [redacted]            Our Client:  [redacted]            Debt Description:  [redacted]            Complaint ID#: [redacted]            Dear Ms. [redacted]: We are in receipt of your correspondence sent on behalf of [redacted].  This account was placed with Jefferson Capital Systems, LLC for collections by our client in July 2017.  Based on your correspondence, we have closed our file and returned the account to our client.  We are also forwarding your correspondence to them for review. This letter will confirm Jefferson Capital Systems, LLC has not reported this account to the credit reporting agencies. Thank you for the opportunity to be of service. Sincerely,   Kathy [redacted]Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####

January 9, 2017       Ms. [redacted] Revdex.com          220 S River Ridge Circle Burnsville, MN 55337   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 $975.41 on or around December 1, 2015.  We have no record of receiving a prior written dispute from Mr. [redacted].  Based on his dispute, we have terminated collections.    Additionally we are requesting the credit bureaus delete our trade line from Mr. [redacted]’s credit file.  This letter will confirm the 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 ###-###-####

August 4, 2017   Ms. [redacted]Revdex.com          220 S River Ridge CircleBurnsville, MN 55337 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 $768.76 on or around February 13, 2017.  Jefferson Capital has no record of received a previous request for validation of this debt.  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 StaffOn 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.Very Respectfully,[redacted]

November 27, 2017       Ms. [redacted] Revdex.com          220 S River Ridge Circle Burnsville, MN 55337   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 November 27, 2017.  Mr. [redacted] should allow 7-10 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 ###-###-####

September 1, 2017   Ms. [redacted]Revdex.com          220 S River Ridge CircleBurnsville, MN 55337 Re:      [redacted]...

[redacted]            Jefferson Capital Systems, LLC Account Number:  [redacted]            Debt Description:  [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 Independent account and balance of $4,524.34 on or around December 12, 2014.  We have no record of receiving a previous dispute from Ms. [redacted] for either account.  This account is for a 1999 Mercedes-B.   The [redacted] Wireless account was acquired and balance of $335.80 was acquired on or around December 5, 2016.  Although a balance remains on both accounts, to resolve this matter we have terminated collection efforts on both accounts and have requested the credit bureaus to delete our trade line.  Thank you for the opportunity to be of service. Sincerely,   Kathy [redacted]Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####

[redacted] October 18, 2017   Ms. [redacted]Revdex.com          220 S River Ridge CircleBurnsville, 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].  This letter will confirm we have responded directly to Ms. [redacted] on October 18, 2017.  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 StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####

September 1, 2017       Ms. [redacted] Revdex.com          220 S River Ridge Circle Burnsville, MN 55337   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 $446.14 on or around June 5, 2015.  Correspondence was received from Mr. [redacted] dated July 8, 2017 offering to pay for delete. Jefferson Capital Systems replied to his request advising we are reporting to the bureaus acutely.    We have no record of receiving a request for validation of the debt.  Enclosed are copies of the last 4 [redacted] Wireless billing statements. Please note the address and telephone number on the statements matches the address and phone number Mr. [redacted] provided in his correspondence.  However, based on his dispute and to resolve this matter, we have terminated collection efforts and have requested the bureaus delete our trade line.  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:

Initial Business Response /* (1000, 5, 2015/05/01) */
May 1, 2015
Mr. [redacted]
Revdex.com
220 S River Ridge Circle
Burnsville, MN 55337
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 [redacted] account. Prior to April 28, 2015, we show no prior written requests for validation of the debt.
Jefferson Capital Systems, LLC, purchased the [redacted] account and balance of $680.16 in February 2012. Although we disagree with the merits of Mr. [redacted]'s dispute, we have closed our file and terminated collection action. We are also notifying the credit bureaus to delete our trade line from Mr. [redacted]'s 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 /* (2000, 7, 2015/05/01) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Satisfied if the debt is to be removed within the next 30 -45 days

Initial Business Response /* (1000, 5, 2015/08/04) */
August 4, 2015
Mr. [redacted]
Revdex.com
220 S River Ridge Circle
Burnsville, MN 55337
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 credit bureau file and the account referenced above.
Jefferson Capital Systems, LLC, purchased the [redacted] account with a balance of $596.07 and sent the Right to Dispute letter to Ms. [redacted] on April 8, 2015. There is no record of receiving any previous written disputes regarding the account. Although we disagree with the merits of her dispute, we are notifying the credit bureaus to delete our trade line from her credit bureau file. Please allow the credit bureaus 30 days to update their records.
We appreciate the opportunity to respond.
Sincerely,
Shirley [redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
[redacted]
Initial Consumer Rebuttal /* (2000, 7, 2015/08/04) */
(The consumer indicated he/she ACCEPTED the response from the business.)

December 4, 2017       Ms. [redacted] Revdex.com          220 S River Ridge Circle Burnsville, MN 55337   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, 2017.  Mr. [redacted] should allow 7-10 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 20, 2016       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].    We are unable to locate a [redacted] account in our office that is being reported to the credit reporting agencies in Ms. [redacted]’ name.  We would appreciate if she provided us a copy of her credit report reflecting the Jefferson Capital Systems, LLC trade line and we will further investigate this matter.    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 8, 2016       Mr. [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 Mr. [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] account and balance of $841.87 on or around April 4, 2016 and subsequently placed the account with [redacted] for collection efforts.  To resolve this matter, we have terminated collection efforts and are requesting the credit bureaus to delete our trade line from Mr. [redacted]’s credit file.  If there is a trade line reflected on his credit file other than Jefferson Capital Systems, LLC in regard to this account, he will need to dispute that trade line with the credit bureaus.   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 7, 2017       Revdex.com Attention: [redacted] 220 S. River Ridge Circle Burnsville, MN 55337   Re:          [redacted] / Your 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 Ms. [redacted] concerning the above-referenced account.   Jefferson Capital Systems, LLC acquired the [redacted] account with a balance of $1,426.37 on or about April 14, 2015.  In order to resolve Ms. [redacted]’s’ dispute, we have terminated further collection efforts and closed our file.  We have also notified the bureaus to delete our trade line.   This letter will confirm this account will not be sold or transferred.    Thank you for the opportunity to respond.   Sincerely,       Kathy [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector Phone: ###-###-####

August 9, 2016       Ms. [redacted] Revdex.com          220 S River Ridge Circle Burnsville, MN 55337   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 $1,022.09 on or around February 1, 2016 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 ###-###-####

January 25, 2017       Ms. [redacted] Revdex.com          220 S River Ridge Circle Burnsville, MN 55337   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].   As our letter of January 18, 2017 indicated, a request was submitted to the credit bureaus to delete our trade line.  This letter will confirm the credit bureaus have delete/suppressed the Jefferson Capital Systems, LLC trade line from Ms. [redacted]’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 ###-###-####