Jefferson Capital Systems, LLC

November 29, 2016       Ms. [redacted] Revdex.com          220 S River Ridge Circle Burnsville, MN 55337   Re:      [redacted]...

            Jefferson Capital Systems, LLC, Account #[redacted]             Debt Description:  [redacted] Wireless             Case ID:  [redacted]   Dear Ms. [redacted]:   We acknowledge receipt of your correspondence sent on behalf of Mr. [redacted] concerning the account referenced above.   Jefferson Capital Systems, LLC, acquired the [redacted] Wireless account on or around August 1, 2016, with a balance of $1,706.60.  In response to his claim he had no knowledge of the account, we researched the matter with [redacted] Wireless.  Enclosed is a copy of the Customer Agreement as well as reprints of three billing statements pertaining to the balance.  They also advised they did not receive any disputes regarding the account.  Although we show a balance is due, as a courtesy, we have closed our file and terminated collection action.  We are also requesting the credit bureaus to delete our trade line from Mr. [redacted]’s credit bureau file.  This communication confirms the account will not be sold or transferred.   Thank you for the opportunity to address the matter.   Sincerely,       Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####   Enclosures:

Initial Business Response /* (1000, 5, 2015/06/26) */
June 26, 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 his [redacted] account and his request for a refund.
In his communication, Mr. [redacted] contends he has not received a refund for his overpayment in the amount of $1,468.09. In researching the matter, it was determined that a refund was issued to Mr. [redacted] on April 2, 2014, and that the check was cashed on April 15, 2014. Enclosed please find a copy of the cashed check signed "[redacted]".
We appreciate the opportunity to address this matter.
Sincerely,
Shirley [redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
[redacted]
Enclosure:

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]             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 ###-###-####

Initial Business Response /* (1000, 7, 2015/04/28) */
April 28, 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 Mrs. [redacted] concerning the above-referenced account.
Jefferson Capital Systems, LLC, purchased the [redacted] account and balance of $2,066.76 in July 2014 and subsequently placed the account with [redacted]) for collection efforts. According to [redacted], Mrs. [redacted] has been in contact via the telephone and was provided the details regarding the debt. Any further questions or concerns regarding the account should be direct to [redacted] at [redacted].
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 /* (3000, 9, 2015/04/28) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have never been contacted by [redacted]. But I have been contacted by [redacted]. I have also made a complaint against them since it took me 2 written requests. And it took the complaint to get anything about Jefferson from them. The letter I received from BBVA stated that they were still getting details from their client. That letter just came last week after I contacted them in February. Jefferson or [redacted] should had sent something that Jefferson was taking over the account.
Final Business Response /* (4000, 11, 2015/05/06) */
May 6, 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 additional correspondence sent on behalf of Mrs. [redacted] concerning the above-referenced account.
We appreciate the opportunity to clarify the information provided in our previous reply. Jefferson Capital Systems, LLC, placed the account with [redacted]. The account was referred by them to their co-counsel, [redacted]. Their contact number is [redacted] and any questions/concerns should be directed to that number.
We regret any confusion caused to your office and Mrs. [redacted].
Sincerely,
[redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
[redacted]

Initial Business Response /* (1000, 5, 2015/06/25) */
June 25, 2015
Mr. [redacted]
Revdex.com
220 S River Ridge Circle
Burnsville, MN 55337
Re: [redacted]
Jefferson Capital Systems, LLC, Account #'s: [redacted] and [redacted]
Case #[redacted]
Dear Mr....

[redacted]:
We are in receipt of your correspondence sent on behalf of Mr. [redacted] concerning his credit file and the accounts referenced above.
In researching this matter with our client, we find no connection to the accounts listed above with Mr. [redacted]. It appears there may be some confusion with the credit bureaus due to the similarity in the account name. This letter confirms we have contacted the credit bureaus to delete our trade lines from Mr. [redacted]'s credit file. Please allow thirty days for the credit bureaus to update their records. In the meantime, Mr. [redacted] can present this letter to his creditors as proof of the actions being taken.
We appreciate Mr. [redacted] bringing this matter to our attention and for 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, 2015/06/26) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I am satisfied with the quick response from Jefferson Capital Systems. I hope the credit bureaus will do the same in a timely manner.
Thank you.

January 16, 2018   Ms. [redacted]Revdex.com          220 S River Ridge CircleBurnsville, MN 55337 Re:      [redacted]            Complaint ID#: [redacted]            Dear Ms. [redacted]: We are in receipt of your additional correspondence sent on behalf of [redacted].  This letter will confirm our previous response to Mr. [redacted] was mailed to the address he provided on his correspondence of [redacted], St. Johns, MI.  We trust Mr. [redacted] as received our letter. Thank you for the opportunity to be of service. Sincerely,   Kathy [redacted]Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####    ...

Initial Business Response /* (1000, 5, 2015/05/20) */
May 20, 2015
Mr. [redacted]
Revdex.com
220 S River Ridge Circle
Burnsville, MN 55337
Re: [redacted]
Jefferson Capital Systems, LLC, Account #[redacted]
Original Creditor:...

[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, purchased the[redacted] account in January 2014 and subsequently placed the account with [redacted] (RSE), for collection efforts. In order to resolve Ms. [redacted]' dispute, we have recalled the account from RSE and have requested the firm to dismiss the law suit and are awaiting confirmation of the dismissal. Information regarding the law suit would not be reported to the credit bureaus and this confirms Jefferson Capital Systems, LLC, is not reporting any information regarding the account to the credit bureaus.
Thank you for the opportunity to resolve this matter.
Sincerely,
[redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
[redacted]
Initial Consumer Rebuttal /* (2000, 7, 2015/05/22) */
(The consumer indicated he/she ACCEPTED the response from the business.)

March 14, 2018       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].   This letter will confirm we have responded directly to Mr. [redacted] on March 14, 2018.  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.  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 ###-###-####

Initial Business Response /* (1000, 5, 2015/10/08) */
[redacted]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 $973.40 in August 2015. Enclosed please find a copy of the final billing statement reflecting the balance. In 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.

Tell us why here... March 30, 2016Mr. [redacted]Revdex.com          220 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 2012 and charged off in April 2013.  Jefferson Capital Systems, LLC, purchased the account in October 2015 with a balance of $1,871.34.  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 line. The 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 [redacted]Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####Enclosure:

Initial Business Response /* (1000, 7, 2016/03/08) */
March 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]
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 2013 and charged off in December 2014. Jefferson Capital Systems, LLC purchased the account and balance of $1,539.57 in December 2014 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, 2015. On February 1, 2016 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, 2016. Any further communications or questions should be directed to that firm via telephone at [redacted] or by mail at [redacted], Bingham Farms, MI 48025.
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]

June 13, 2017       Ms. [redacted] Revdex.com          220 S River Ridge Circle Burnsville, MN 55337   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 $650.14 on or around March 31, 2017.  We have no record of receiving a written request for validation of this debt.  However, based on a recent dispute we received via email from Mr. [redacted]’s, 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 ###-###-####

I am rejecting this response because:
They can respond through email on this page not a letter sent in the mail !

July 5, 2017       Ms. [redacted] Revdex.com          220 S River Ridge Circle Burnsville, MN 55337   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 $203.86 on or around February 13, 2017.  A Right to Dispute letter was sent to Mr. [redacted] on March 8, 2017.  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 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 ###-###-####

I am rejecting this response because:The provided response is the first time I have been informed of any other alleged debts purchased by Jefferson Capitol Systems, LLC.  I again want to request that if any other lawsuits or courts cases have been filed against me in regards to either of these alleged debts, that they be dropped immediately!Jefferson Capitol Systems, LLC has also neglected to provide any original proof of purchase documentation for these alleged debts.  As there are numerous recent Revdex.com and online complaints against this company and their practices, I request this documentation be provided to further guard against possible fraud.

May 25, 2017       Revdex.com Attention: [redacted] 220 S. River Ridge Circle Burnsville, MN 55337   Re:          [redacted] / ID [redacted]...

                Jefferson Capital Systems, LLC account number: [redacted]                 Debt Description: [redacted] Wireless                 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 acquired the [redacted] Wireless account and balance of $1,484.28 on or about March 31, 2017.  To resolve Ms. [redacted]’ dispute, we have terminated further collection efforts and closed our file.  We have also notified the bureaus to delete our trade line from her 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: ###-###-####   C:            Consumer Financial Protection Bureau

I am rejecting this response because: I want a representative from Jefferson Capital LLC to contact me and explain to me why there was never an attempt to reach out to me to discuss this collection item prior to reporting it to the major credit bureaus.  I understand that Ms. [redacted]'s response to the Revdex.com states that they are confident that the correspondence they sent me will resolve this case in a satisfactory matter (which it should because I sent an abundance of information to prove that this was identity fraud), but that still does not negate the fact that Jefferson Capital had my correct cell phone number as well as my correct physical address and not one attempt was made, since they obtained the account on October 1, 2017, to reach out to me.  Instead they arbitrarily report to the major credit bureaus and demolished my impeccable credit.  That could have been avoided had they made one phone call or sent one letter.  And it could not have come at a worse time considering that my wife and I were beginning the process of purchasing a new home, but now have to put that on hold until this negative item is removed from my credit report (since my score went from 810 down to 672.  We have already missed out on the home we intended to purchase as it sold to another buyer.  You cannot tell me that how they handled my case was done in a legal manner based on collection policies and practices.

August 18, 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 Ms. [redacted] on August 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 Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

Initial Business Response /* (1000, 5, 2015/08/10) */
August 10, 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 the [redacted] account.
Jefferson Capital Systems, LLC, purchased the [redacted] account and balance of $2,667.02 in June 2015. In researching the matter with [redacted], we were advised the account was confirmed as fraud and we have closed our file. This communication confirms the account is being placed back with [redacted] and the credit bureaus have been notified to delete our trade line from Ms. [redacted]' credit bureau file.
We appreciate the opportunity to resolve this matter.
Sincerely,
Shirley [redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
[redacted]
Initial Consumer Rebuttal /* (2000, 7, 2015/08/10) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank you for assisting on this matter. This was exactly the response I was expecting.

Initial Business Response /* (1000, 5, 2015/09/28) */
September 28, 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 Mr. [redacted] concerning the account referenced above.
According to the information provided, the [redacted] account was opened in November 2012 and charged off on July 9, 2015. Jefferson Capital Systems, LLC, purchased the account and balance of $1,920.70 on July 20th. On August 6th, we sent notification to Mr. [redacted] advising of the purchase and the opportunity to dispute the validity of the debt within 30 days. We show no written correspondence received with regard to dispute of the debt. Although we disagree with the merits of Mr. [redacted]' dispute, we have closed our file and terminated collection action. We are also notifying the credit bureaus to delete our trade line from his credit bureau file. This letter confirms the account will not be sold or transferred.
Thank you for the opportunity to clarify our position in this matter.
Sincerely,
Shirley [redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
[redacted]
Initial Consumer Rebuttal /* (2000, 7, 2015/09/28) */
(The consumer indicated he/she ACCEPTED the response from the business.)
As long as all 3 credit bureaus are notified to delete this information and Jefferson Capital Systems does not sale or transfer my information, I will be satisified.
I appreciate you taking care of this matter.
A. [redacted]