Jefferson Capital Systems, LLC

January 31, 2018       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]             Consumer Financial Protection Bureau case number: [redacted]             Dear Ms. [redacted]:   We are in receipt of your correspondence sent on behalf of [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, reflecting a balance of $1,089.47, on or about June 5, 2015.  Automated Consumer Dispute Verification requests were received from the credit bureaus.  We responded directly to the credit bureaus.  Based on Mr. [redacted]’s dispute and to resolve this matter, we have terminated collection efforts.  Additionally, we have notified the credit bureaus to delete our trade line from his 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 /* (1000, 5, 2016/03/15) */
March 15, 2016
Revdex.com
Attention: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: [redacted] / Case number [redacted]
Jefferson Capital Systems, LLC account number: [redacted]
Debt Description:...

[redacted]
Dear Mr. [redacted]:
We acknowledge receipt of your correspondence sent on behalf of Mr. [redacted] concerning his above-referenced account.
Jefferson Capital Systems, LLC purchased Mr. [redacted]'s [redacted] account and balance of $953.18 in December 2015. Per his request, enclosed is verification of the debt. In response to Mr. [redacted]'s previous communication, a letter was sent on March 3, 2016 informing him that we ceased collection of the account. In addition, we requested that the consumer reporting agencies delete the trade line from his credit file. This letter confirms that collection efforts have been terminated and that the account will not be sold or transferred.
Thank you for the opportunity to respond.
Sincerely,
Sharon [redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
Phone: (866) [redacted]
Enclosure:
Initial Consumer Rebuttal /* (2000, 7, 2016/03/16) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank you for your prompt reply in this matter and resolution.

Initial Business Response /* (1000, 5, 2016/01/27) */
January 27, 2016
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 his [redacted] account.
Our records indicate the [redacted] account was opened in December 2004 and charged off in March 2013. Jefferson Capital Systems, LLC, purchased the account with a balance of $490.60 in October 2015. In November 2015, the account was placed with Diversified for collections on our behalf. On November 12th, they sent the Right to Dispute letter to Mr. [redacted].
To resolve the dispute and as a courtesy, we have recalled the account, closed our file, and terminated collection efforts.

The information on Mr. [redacted]'s credit bureau file reflects when Jefferson Capital Systems, LLC, became the owner of the account. We are, however, requesting the credit bureaus to delete our trade line from Mr. [redacted]'s credit bureau file. Mr. [redacted] can present this letter to his creditors as proof of the actions being taken.
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 /* (2000, 7, 2016/01/30) */
(The consumer indicated he/she ACCEPTED the response from the business.)

January 16, 2018   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].  This letter will confirm we have responded directly to Mr. [redacted] on January 16, 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.     Thank you for the opportunity to be of service. Sincerely,   Kathy [redacted]Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####

November 16, 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].  This letter will confirm we have responded directly to Ms. [redacted] on November 16, 2017.  Ms. [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 StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####

Initial Business Response /* (1000, 5, 2015/10/02) */
October 2, 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.
According to the information provided, the[redacted] account was opened in July 2011 and charged off in January 2013. Jefferson Capital Systems, LLC, purchased the[redacted] account and balance of $247.64 in August 2015. The account was subsequently placed with Diversified on September 4th for collection efforts and on September 10th, the Right to Dispute letter was sent. In researching the matter with[redacted], we were advised Mr. [redacted] was charged an early termination fee for not completing the two year contract plus charges for the final bill and that the charges are valid. To resolve the dispute, however, we have recalled the account from Diversified, closed our file, and terminated collection action. Additionally, we are notifying the credit bureaus to delete our trade line from his credit bureau file.
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
[redacted]
Initial Consumer Rebuttal /* (2000, 7, 2015/10/02) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I accept Jefferson Capital System's offer to terminate all collection action and notify all of the credit bureaus that this should be removed from my credit report. I will be monitoring my credit report to ensure that this is accomplished in a timely manner.
Best Regards,
[redacted]

January 11, 2018       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 January 11, 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.       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 23, 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 $2,011.13 on or around February 13, 2017.  Although we disagree with the merits of Ms. [redacted]’ dispute, 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 ###-###-####

Initial Business Response /* (1000, 11, 2016/01/04) */
January 4, 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 Mr. [redacted] concerning his [redacted] account.
Jefferson Capital Systems, LLC, purchased the [redacted] account in October 2015 with a balance of $56.94. This communication confirms [redacted] forwarded Mr. [redacted]'s payment of $56.94 to our office in December. This also confirms we have notified the credit bureaus to delete our trade line from Mr. [redacted]'s credit bureau file.
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
[redacted]
Initial Consumer Rebuttal /* (3000, 14, 2016/01/04) */
As long as these [redacted] remove it, then fine, The POINT here IS this was paid in OCT to ANOTHER COMPANY who had the debt and these 'people' didn't even take the time to verify with the company they bought the debt from IF ANY PAYMENTS HAD BEEN MADE!!!
AND THEN REPORTED IT ILLEGALLY,,,,,,,, the ONLY reason they are removing it is because they got CAUGHT doing [redacted] they shouldn't do therefore the Revdex.com should report this company as a shady company and should make EVERYONE aware to watch what these people do and say!!!!!
Final Consumer Response /* (3000, 21, 2016/01/12) */
Ok the company Jefferson capital removed it from equifax but NOW they just reported this same debt to Transunion and is on my credit report!!!!
Final Business Response /* (4000, 23, 2016/01/14) */
January 14, 2016


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 additional correspondence sent on behalf of Mr. [redacted] concerning his [redacted] account.
At the time we reported Mr. [redacted]'s account to the credit bureaus, we had not received payment on the account. However, as our response of January 4th indicated, we have requested the bureaus to delete our trade line. We regret to hear our trade line for the above-referenced account is still reflected on Mr. [redacted]'s credit bureau file Mr. [redacted] can present this letter to his creditors as proof of the actions being taken.
We apologize for the inconvenience experienced by Mr. [redacted].
Sincerely,
Shirley [redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
[redacted]

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. Thank you

Initial Business Response /* (1000, 5, 2016/01/14) */
January 14, 2016


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 account referenced above.
Our records indicate the account was opened in April 2013 and charged off in November 2014. Jefferson Capital Systems, LLC, purchased the account and balance of $457.54 in December 2014. The account was subsequently placed with different agencies for collections and Ms. [redacted] was sent the Right to Dispute letter by [redacted] To resolve her dispute, we have closed our file and terminated collection action. We have also notified the credit bureaus to delete our trade line from Ms. [redacted]'s credit bureau file.
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, 2016/01/18) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I am happy with their rapid response, just waiting to see this removed from my credit report.

December 15, 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 December 15, 2017.  Ms. [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 ###-###-####

December 14, 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 December 14, 2017.  Ms. [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, 5, 2015/07/29) */
July 29, 2015
Revdex.com
Attention: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: [redacted] / Case number [redacted]
Jefferson Capital Systems, LLC account number: [redacted]
Debt Description:...

[redacted] N.A. Checking Account
Dear Mr. [redacted]:
We acknowledge receipt of your correspondence sent on behalf of Mr. [redacted] concerning the above-referenced account.
Jefferson Capital Systems, LLC purchased the [redacted] N.A. Checking Account, listed in Mr. [redacted]'s name, in February 2015. To resolve Mr. [redacted]'s dispute, we have terminated collection efforts and closed our file. We are also notifying the bureaus to delete the trade line.
Thank you for the opportunity to respond.
Sincerely,
Sharon [redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
Phone: (866) [redacted]
Initial Consumer Rebuttal /* (2000, 7, 2015/07/29) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I accept their response and want to know if the action on their part is immediate or will they take their time to remove it from my credit report

February 20, 2018       Ms. [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 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 20, 2018 we responded directly to Mr. [redacted].  Mr. [redacted] should allow 7-10 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 /* (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 Ms. [redacted] concerning her above-referenced account.
Jefferson Capital Systems, LLC, purchased the [redacted] account in July 2013 and the account was subsequently placed with[redacted] for collection. In researching the matter with[redacted], we were advised Ms. [redacted] did file for disability discharge for her federal loans but never applied for a review of her private loans to see if they were eligible for any type of discharge or partial discharge. To resolve the matter, however, we have instructed [redacted] to dismiss the suit. We are recalling the account, terminating further collection efforts and closing our file. We are also notifying the credit bureaus to delete our trade line from Ms. [redacted]'s credit file.
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]
Initial Consumer Rebuttal /* (2000, 7, 2015/07/01) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank for acknowledging that the school loan was discharged. I have enough things to worry about with my cancer and do/did not need this headache on top of it and my disability.

April 25, 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.  The [redacted] account was opened in November 2011 and charged off in January 2013. Jefferson Capital Systems, LLC acquired the account and balance of $420.90 in June 2015.  We have no record of a receiving a written or telephonic request for information from Ms. [redacted].  To 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 [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

Initial Business Response /* (1000, 5, 2015/06/18) */
June 18, 2015
Mr. [redacted]
Revdex.com
220 S River Ridge Circle
Burnsville, MN 55337
Re: [redacted]
Jefferson Capital Systems, LLC, Account #[redacted]
Debt Description: [redacted] Checking
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] Checking account and balance of $441.20 in February 2015 from [redacted]. We subsequently placed the account with Allied Interstate, LLC, for collection efforts. In researching the matter with Allied Interstate, LLC, they advised Ms. [redacted] spoke with them on June 16th and she questioned if she paid the account if the trade line would be deleted. She was advised the account would be reported as paid. Although we disagree with the merits of her dispute, as a courtesy, we have recalled the account and terminated collection action. In addition, we are notifying the credit bureaus to delete our trade line from her 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, 2015/06/18) */
(The consumer indicated he/she ACCEPTED the response from the business.)

December 27, 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 are in 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 October 12, 2016, with a balance of $100.48.  In reviewing our records, there have been no prior requests for validation of the debt.  We do, however, show Mr. [redacted] attempted to contact us via the telephone on December 23rd but our office was closed due to the holiday.  Enclosed are reprints of 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 action.  We are also requesting the credit bureaus to delete our trade line from Mr. [redacted]’s credit bureau file.   We appreciate the opportunity to respond.   Sincerely,       Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####   Enclosure:

October 3, 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] concerning the telephone calls he alleges he has been receiving at his place of employment.   We are unable to locate an account in Mr. Small’s name with the information he has provided.   However, we have placed the telephone number of ###-###-#### that he provided on our Do Not Call List.  If Mr. [redacted]’ is receiving calls at another telephone number, please provide us with that number and we will further investigate this matter.   We appreciate the opportunity to be of service.   Sincerely,       Kathy [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####