Jefferson Capital Systems, LLC

Initial Business Response / [redacted] (1000, 5, 2015/05/12) */ May 12, 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 the account referenced above Jefferson Capital Systems, LLC, acquired the [redacted] account and balance of $in June According to the information provided, the account was opened in August and charged off in May The Statute of Limitations does not absolve a debtor from payment of a debtIt does, however, provide for limitations during which time a creditor or debt collector may commence legal action for payment of a debtTo resolve Ms***' dispute and as a courtesy, we have closed our file and terminated collection effortsWe are also notifying the credit bureaus to delete our trade line from her credit filePlease allow thirty days for the bureaus to update their records We appreciate 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, 2015/05/12) */ (The consumer indicated he/she ACCEPTED the response from the business.) Thank you for your assistance in this matter Ms***

February 27, Ms [redacted] Revdex.com S River 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 the above-referenced account This letter will confirm that on February 27, 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: ###-###-####

I am rejecting this response because: I have a collections on my credit reportLast four of social is [redacted] opened 12/1/

February 26, 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] Jefferson Capital Systems, LLC acquired the [redacted] account and balance of $3,on or around March 24, and subsequently placed the account with [redacted] *** In researching the matter with the law firm, they have advised they sent a letter providing validation of this debt on February 21, Also, numerous attempts were made to contact her Ms [redacted] may contact the firm at ###-###-#### regarding this account 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, 7, 2016/03/08) */ March 8, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC, Account Number: [redacted] Debt Description: [redacted] Case # [redacted] Dear Mr [redacted] : We are in receipt of your correspondence sent on behalf of [redacted] concerning the above-referenced account The [redacted] account was opened in April and charged off in December Jefferson Capital Systems, LLC purchased the account and balance of $1,in December and subsequently placed the account with [redacted] for collections After further research with [redacted] , they advises us a Right to Dispute letter was sent to Ms [redacted] on July 27, On February 1, a second letter was sent offering her a settlement [redacted] has filed suit with the 67th District Court Mount Morris and the suit was received by the courts on February 1, Any further communications or questions should be directed to that firm via telephone at [redacted] or by mail at [redacted] , Bingham Farms, MI 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]

Initial Business Response / [redacted] (1000, 5, 2015/12/14) */ December 14, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC, Account Number: [redacted] Debt Description: [redacted] Case # [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, purchased the [redacted] account and balance on $3,in August This account is for a Ford Taurus and was opened in April and charged off for collections in June We have no record of previously receiving a written request for validation of this debtHowever, to resolve this dispute, we have terminated collection efforts and requested the credit bureaus to delete our trade line from Ms [redacted] ' 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 [redacted] Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/12/14) */ (The consumer indicated he/she ACCEPTED the response from the business.) I accept this resolution because this will be deleted from all credit bureaus and not sold or transferredI appreciate Revdex.com assistance in this matter

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is in the process of being fixedThis ding to my credit is actually under the name [redacted] o' [redacted] It was a fraud account that was opened with [redacted] wireless in July of [redacted] is in the process of fixing this and having this account removed from the debt collector (Jefferson capital)I was unaware of this situation when I made my complaint on Revdex.comThe account is under my social security number but had someone else's name, this is why they could not found an account under my nameI received an email from [redacted] saying that the account has be reviewed and will be removedThat is all the information I have at this timeAgain, I was not aware that this was a fraud account that was sold to a debt collectorI never received any information from the debt collector in regards to this matterThank you for your help durning this matter, [redacted] ***

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 Mr [redacted] on January 22, 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 ###-###-####

Tell us why hereMarch 30, 2016Mr [redacted] Revdex.com S River Ridge CircleBurnsville, MN 55337Re: [redacted] Jefferson Capital Systems, LLC, Account # [redacted] Debt Description: [redacted] Complaint # [redacted] Dear Mr [redacted] :We are in receipt of your correspondence sent on behalf of Mr [redacted] concerning the account referenced above.Our records indicate the [redacted] account was opened in October and charged off in April Jefferson Capital Systems, LLC, purchased the account in October with a balance of $1, Enclosed please find two billing statements provided by [redacted] regarding the debt We received Mr [redacted] ’s previous communication on March 7th and responded on March 9th advising we ceased collection of the account and requested the credit bureaus to delete our trade lineThe Right to Dispute letter was sent on March 11th but there were no collection efforts being made This confirms collection action has been terminated and the request sent to the credit bureaus to delete our trade line This also confirms the account will not be sold or transferred.We appreciate the opportunity to address the matter.Sincerely,Shirley ***Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####Enclosure:

March 6, 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 Ms [redacted] concerning the above-referenced account This letter will confirm that on March 6, 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 Thank you for the opportunity to respond Sincerely, Sharon [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector Phone: ###-###-####

October 24, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] *** Jefferson Capital Systems, LLC Account Number: [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] Wireless account and balance of $on or around June 7, Based on Ms***’s dispute that she never had a [redacted] Wireless account, and to resolve this matter, we have terminated collection efforts and requested the credit bureaus delete our trade line from her 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 ###-###-####

March 15, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] / ID [redacted] Jefferson Capital Systems, LLC account number: [redacted] Debt Description: [redacted] Direct Marketing Dear Mr***: We acknowledge receipt of your correspondence sent on behalf of Mr [redacted] concerning the above-referenced account The above-referenced account is currently in active litigation To further discuss this matter, Mr [redacted] may contact the firm of [redacted] at ###-###-#### Thank you for the opportunity to respond Sincerely, Sharon [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector Phone: ###-###-####

October 28, Ms [redacted] Revdex.com S River Ridge CircleBurnsville, MN Re: *** [redacted] Jefferson Capital Systems, LLC, Account # [redacted] Debt Description: [redacted] Wireless Case ID: [redacted] Dear Ms [redacted] : We are in receipt of your correspondence sent on behalf of Mr [redacted] concerning the account referenced aboveJefferson Capital Systems, LLC, acquired the [redacted] Wireless account on or around June 7, 2016, with a balance of $ We show no previous written communications were received regarding the account Enclosed are reprints of the last three billing statements provided by [redacted] Wireless pertaining to the balance Although we show a balance is due, in order to resolve the matter, 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 fileWe trust we have addressed the matterSincerely, Shirley ***Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-#### Enclosure:

December 14, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC Account Number: [redacted] Debt Description: [redacted] LLC Complaint ID#: [redacted] Dear Ms [redacted] : We are in receipt of your additional correspondence sent on behalf of [redacted] This letter will confirm when payment in full is received, Jefferson Capital Systems, LLC will forward the lien release and/or title for the Toyota Corolla to American Family Insurance even if the payment is received past the 10-day period mentioned on our letter to American Family Insurance 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, 2015/10/23) */ October 23, 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 $1,in December We placed the account with [redacted] in January and the account was returned in May The account was subsequently placed with [redacted] (RSE) on May 13thThe Right to Dispute Letter was sent to Mr [redacted] on January 13th and July 31stOn September 10th, RSE filed suit on our behalf regarding this debtTo resolve the matter, however, we have instructed RSE to dismiss the suit and are awaiting confirmation of the dismissalWe are recalling the account, terminating further collection efforts and closing our fileWe are also notifying the credit bureaus to delete our trade line from Mr [redacted] 's credit file 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] (2000, 7, 2015/10/24) */ (The consumer indicated he/she ACCEPTED the response from the business.) as long as the suit is dismissed as promised this is acceptable and the trade line is deleted from any credit bureau reportThank you

Initial Business Response / [redacted] (1000, 5, 2015/07/14) */ July 14, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC, Account # [redacted] Our Client: [redacted] Debt Description: [redacted] Case # [redacted] Dear Mr [redacted] : We acknowledge receipt of your correspondence sent on behalf of Ms [redacted] concerning the above-referenced account The account was placed with Jefferson Capital Systems, LLC, by our client in April for collection effortsIn response to Ms [redacted] 's communication, we have closed our file and terminated collection actionWe 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, [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted] Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/07/15) */ (The consumer indicated he/she ACCEPTED the response from the business.)

February 21, 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] concerning the above-referenced account Enclosed is a copy of the letter that was sent to Mr [redacted] dated February 15, which clarified the actions we have taken to resolve this matter We have not sent any correspondence attempting collections since Mr***’s payment of $was received on February 9, Thank you for the opportunity to be of serviceSincerely, Kathy ***Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-#### Enclosure:

April 7, Revdex.com Attention: [redacted] SRiver Ridge Circle Burnsville, MN Re: [redacted] ( [redacted] ) [redacted] / ID [redacted] Jefferson Capital Systems, LLC account number: [redacted] 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 On January 15, 2017, Ms [redacted] accepted an opportunity to satisfy her [redacted] account and become eligible to receive an unsecured Emblem MasterCard On March 17, 2017, Ms [redacted] satisfied the eligibility requirements However, [redacted] forwarded to us a letter in which Ms [redacted] disputed the [redacted] account In response to the dispute letter we received on March 30, 2017, we removed Ms [redacted] from the program However, based on a March 31, phone conversation Ms [redacted] had with one of our representatives, she was re-instated in the program The [redacted] account is in the name of [redacted] If Ms [redacted] would like to finalize her participation in the program, she will need to provide evidence of her change of name by providing documentation to Jefferson Capital Systems, LLC, [redacted] ***, StCloud, MN Jefferson Capital Systems, LLC has not reported any information to the credit bureaus If the trade line for the reported account reflects a company other than Jefferson Capital Systems, LLC, such as a prior account owner, we suggest Ms [redacted] dispute the trade line with the credit bureaus, as Jefferson Capital Systems, LLC has no control over their reporting decisions 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

Initial Business Response / [redacted] (1000, 5, 2015/05/01) */ [redacted] 1, Mr [redacted] Revdex.com [redacted] S [redacted] XXXXX Re: [redacted] Jefferson Capital Systems, LLC, Account #XXXXXXXXXX Debt Description: Action Card Case #XXXXXXXX Dear Mr [redacted] We are in receipt of your correspondence sent on behalf of Ms [redacted] concerning her Action Card account Jefferson Capital Systems, LLC, acquired the Action Card account and balance of $1,in March Based on the information provided, the account was opened in November and charged off in February The information reflected on her credit file is regarding the previous owner payment informationAlthough we disagree with the merits of her dispute, as a courtesy, we have closed our file and terminated collection efforts Thank you for the opportunity to respond Sincerely, [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector XXX-XXX-XXXX Initial Consumer Rebuttal / [redacted] (3000, 8, 2015/05/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have read Jefferson Capital response but they did not mention anything about deleting the trade linePlease remove the trade line from TransUnion, Experian and Eqifax Thank you Final Consumer Response / [redacted] (4200, 26, 2015/05/26) */ Jefferson Capital has removed two of the three but has not removed this one JEFFERSON CAPITAL SY Show Details XXXXXXXXXX 09/27/$04/29/$COLLECTION ACCOUNT Final Business Response / [redacted] (4000, 28, 2015/05/27) */ [redacted] 27, Mr [redacted] Revdex.com [redacted] S [redacted] XXXXX Re: [redacted] Jefferson Capital Systems, LLC, Account #XXXXXXXXXX Debt Description: Action Card Jefferson Capital Systems, LLC, Account #XXXXXXXXXX Debt Description: Salute Gold Card Jefferson Capital Systems, LLC, Account #XXXXXXXXXX Debt Description: Fingerhut Direct Marketing Case #XXXXXXXX Dear Mr [redacted] We are in receipt of your additional correspondence sent on behalf of Ms [redacted] concerning her credit bureau file In Ms [redacted] 's previous communications, she mentioned the Action Card account and made no reference to the additional two accounts reflected aboveAlthough we disagree with the merits of her dispute, to resolve the matter, we have closed our files and terminated collection effortsThis confirms the credit bureaus have been notified to delete our trade line for the Fingerhut Direct Marketing account and that the bureaus have deleted/suppressed the trade lines for the other two accountsMs [redacted] needs to allow the credit bureaus days to update their records Thank you for the opportunity to clarify the matter Sincerely, [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector XXX-XXX-XXXX