Jefferson Capital Systems, LLC

Initial Business Response /* (1000, 5, 2016/02/25) */
February 25, 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 Ms. [redacted] concerning the [redacted] account.
Our records indicate the [redacted] account was opened in November 2008 and charged off in October 2011. Jefferson Capital Systems, LLC, purchased the account with a balance of $4,751.98 in August 2015. A letter was sent on October 9th advising Ms. [redacted] we were the current owners of the account. In December 2015, the account was placed with [redacted], for collection efforts on our behalf. They have provided information indicating they sent Ms. [redacted] the Right to Dispute letter on January 5th and 7th. Enclosed is the Arbitration Agreement, the Redemption and Reinstatement Form and two letters from [redacted]. In response to the communication received and as a courtesy, we have recalled the account, closed our file, and terminated collection action. This confirms the account will not be sold or transferred and we have requested the credit bureaus to delete our trade line from her credit bureau file.
We appreciate the opportunity to clarify the matter.
Sincerely,
Shirley [redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
[redacted]
Enclosure:

June 8, 2016       Revdex.com Attention: [redacted] 220 S. River Ridge Circle Burnsville, MN 55337   Re:          [redacted] / [redacted]...

                Jefferson Capital Systems, LLC account number: [redacted]                 Debt Description: [redacted]   Dear Mr. [redacted]:   We acknowledge receipt of your correspondence sent on behalf of Ms. [redacted] concerning the above-referenced account.  We appreciate Ms. [redacted] providing documentation of the account in question.   Jefferson Capital Systems, LLC acquired the [redacted] account and balance of $590.46 in or around November 2014.  The notice of assignment, which included the Right to Dispute notice, was sent on December 3, 2014.  The account was subsequently placed with [redacted] for collection purposes.  To resolve Ms. [redacted]’s dispute, we have recalled the account, 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: ###-###-####

Initial Business Response /* (1000, 5, 2015/09/04) */
September 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] -...

[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] student loan account and balance of $2,577.00 in November 2012. The Right to Dispute letter was sent to Ms. [redacted] in July 2013 and we show no previous correspondence received regarding this matter. Although we disagree with the merits of her dispute, as a courtesy, we have closed our file and terminated collection efforts. We are also notifying the credit bureaus to delete our trade line from her 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, 2015/09/08) */
Yes sir and thank you for the records. I am satisified with their response. Thank you and the Revdex.com so very much.

March 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].   Jefferson Capital Systems, LLC acquired the [redacted] Wireless account and balance of $753.76 on or around August 1, 2016.  Pursuant to Mr. [redacted]’ request for additional information, enclosed is a copy of the final [redacted] Wireless billing statement.  Based on his stated dispute, we have terminated collection efforts and are requesting the bureaus delete our trade line from his credit file.  This letter will also 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 ###-###-####   Enclosure:

April 12, 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] Direct Marketing             Complaint ID:  [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 November 2009 and charged off in November 2014.  Jefferson Capital Systems, LLC acquired the account and balance of $127.95 in December 2014.  Although the account still reflects a balance due, in order 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. Thank you for the opportunity to be of service. Sincerely, [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted]

October 17, 2016       Ms. [redacted] Revdex.com           220 S River Ridge Circle Burnsville, MN 55337   Re:      [redacted]...

            Jefferson Capital Systems, LLC, Account #[redacted]             Debt Description:  [redacted] Financial             Case ID:  [redacted]   Dear Ms. [redacted]:   We are in receipt of your correspondence sent on behalf of Mr. [redacted] regarding the account referenced above.   Jefferson Capital Systems, LLC, acquired the [redacted] account on or around September 30, 2015, with the remaining balance of $3,499.64.  According to our records, we have not received any prior written disputes or any telephone calls regarding the account.  Enclosed are copies of the Bill of Sale and the Application for Credit with regard to the loan for the vehicle.  Although we feel the balance is rightfully 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 address the matter.   Sincerely,       Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####   Enclosure:

December 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] Direct Marketing             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 18, 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, 5, 2015/08/18) */
August 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]
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 $218.35 in June 2015. According to our records, Mr. [redacted] telephoned on three separate occasions; July 30th, August 11th, and August 12th. In the initial call, Mr. [redacted] was provided with the fax number to request written validation of the debt and in the second call, he stated he would remit payment if the account was removed from his credit bureau file. During the August 12th call, he again requested the trade line be deleted and was also advised to send his request for validation of the debt in writing. Enclosed please find reprints of Mr. [redacted]'s billing statements from July 2012 to January 2013. Although we disagree with the merits of his dispute, as a courtesy, we have closed our file and terminated collection efforts. Additionally, we are notifying the credit bureaus to delete our trade line from his credit bureau file. Please allow the credit bureaus 30 days to update their records.
We appreciate 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]
Enclosure:
Initial Consumer Rebuttal /* (3000, 7, 2015/08/25) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I am asking that this debt not be sold or transferred in addition to the above. Please advise. Thank you.
Final Consumer Response /* (2000, 11, 2015/08/27) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I accept the response. Thank you.
Final Business Response /* (4000, 9, 2015/08/27) */
August 27, 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 Mr. [redacted] concerning the account referenced above.
This communication confirms the[redacted] account will not be sold or transferred and our file is closed and collection terminated.
Thank you for the opportunity to reply.
Sincerely,
Shirley [redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
[redacted]

August 17, 2017       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 an account for [redacted] with the information she has provided.  To locate the account Ms. [redacted] should provide a copy of her credit report reflecting the Jefferson Capital Systems, LLC trade line and/or the Jefferson Capital Systems, LLC reference number.   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 7, 2018   Mr. [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 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 7, 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 StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####

December 4, 2017       Ms. [redacted] Revdex.com          220 S River Ridge Circle Burnsville, MN 55337   Re:      [redacted]...

            Jefferson Capital Systems, LLC Account Number:  [redacted] & [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 ###-###-####

February 9, 2018       Revdex.com Attention: [redacted] 220 S. River Ridge Circle Burnsville, MN 55337   Re:          [redacted] / ID [redacted]   Dear Ms. [redacted]:   We acknowledge receipt of your...

correspondence sent on behalf of Ms. [redacted].   We are unable to verify the account Ms. [redacted] writing about based on the information provided in the correspondence.  To enable us to identify the account, we ask that Ms. [redacted] provide us with a copy of the credit bureau report she referenced in her complaint, reflecting a Jefferson Capital Systems, LLC trade line.  We also ask that she provide us with the last four digits of her social security number.  This information can be mailed to the following address: Jefferson Capital Systems, LLC, Attn: Consumer Relations, [redacted] St. Cloud, MN 56303.   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 4, 2016       Ms. [redacted] Revdex.com           220 S River Ridge Circle Burnsville, MN 55337   Re:      [redacted]...

            Jefferson Capital Systems, LLC, Account #[redacted]             Debt Description:  [redacted]             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] account on or around April 4, 2016, with a balance of $2,145.27.  We do not show any calls were received and in response to his previous correspondence, a reply was sent on September 23rd. In researching the matter with [redacted], we were advised there were no disputes received on the account and that Mr. [redacted] called in often to make payment arrangements.  Enclosed is documentation provided by [redacted] which includes the last three billing statements, the contract, and the confirmation letter.  Although we feel the balance is rightfully 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 and this confirms the account will not be sold or transferred.   We appreciate the opportunity to address the matter.   Sincerely,       [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####   Enclosures:

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 ###-###-####

April 12, 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 on or around June 7, 2016.  The balance is $295.53.  Based on Ms. [redacted]’s stated dispute 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 ###-###-####

May 17, 2017   Ms. [redacted]Revdex.com          220 S River Ridge CircleBurnsville, 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 $245.89 on or around August 3, 2015.  Based on Mr. [redacted]’s 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 StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####

April 8, 2016 Mr. [redacted] Revdex.com          220 S River Ridge Circle Burnsville, MN 55337 Re:      [redacted]             Jefferson Capital...

Systems, LLC, Account #[redacted]             Debt Description:  [redacted]             Complaint ID:  [redacted] Dear Mr. [redacted]: We are in receipt of your correspondence sent on behalf of Mr. [redacted] concerning his [redacted] account. Our records indicate the [redacted] account was opened in September 2012 and charged off in August 2013.  Jefferson Capital Systems, LLC, purchased the account in February 2016 with the remaining balance of $1,770.47 and placed the account with [redacted]).  Enclosed are reprints of the last two billing statements pertaining to the balance.  We have researched Mr. [redacted]’ claims the representative did not provide the disclosure that it was an attempt to collect a debt.  In reviewing the telephone conversation, the disclosure was provided to Mr. [redacted]. However, the representative did provide the incorrect telephone number for Mr. [redacted] to reach [redacted].  We regret the telephone number provided was ###-###-#### rather than ###-###-####.  Although a balance remains on the account, as a courtesy, we have recalled the account from [redacted], closed our file, and terminated collection action.  We are also requesting the credit bureaus delete our trade line from Mr. [redacted]’ credit file.  This confirms the account will not be sold. We appreciate the opportunity to address the matter. Sincerely, Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-#### Enclosure:

Initial Business Response /* (1000, 5, 2015/04/27) */
April 27, 2015

Mr. [redacted]
Revdex.com
220 S River Ridge Circle
Burnsville, MN 55337
Re: [redacted]
Jefferson Capital Systems, LLC, Account #[redacted]
Our Client: [redacted]
Debt...

Description: [redacted]
Dear Mr. [redacted]:
We are in receipt of your correspondence sent on behalf of Mr. [redacted] concerning the above-referenced account.
The account was placed with Jefferson Capital Systems, LLC, for collections by our client in November 2014. Our records indicate Mr. [redacted] was sent the Right to Dispute Notice. Based on Mr. [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,
[redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
[redacted]

Initial Business Response /* (1000, 5, 2015/07/07) */
July 7, 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 acknowledge 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 $334.79 in February 2015 from [redacted]. The account was subsequently placed with Allied Interstate, LLC, for collection efforts and they sent Ms. [redacted] the Right to Dispute letter on May 16, 2015. In response to her claim she has no knowledge of the debt, we have recalled the account and terminated collection action. We are also notifying the credit bureaus to delete our trade line from Ms. [redacted]'s credit file and this letter confirms the account will not be sold.
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 /* (3000, 7, 2015/07/10) */
(The consumer indicated he/she DID NOT accept the response from the business.)
until it has been deleted from each tradeline on my credit report and not sold then I will be satisfied.
Final Business Response /* (4000, 9, 2015/07/17) */
July 17, 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 acknowledge receipt of your additional correspondence sent on behalf of Ms. [redacted] concerning the account referenced above.
We have confirmed that the credit bureaus have deleted/suppressed our trade line from Ms. [redacted]'s credit bureau file. We have closed our file and terminated collection; therefore, the account will not be sold.
We appreciate the opportunity to respond.
Sincerely,
Shirley [redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
[redacted]
Final Consumer Response /* (2000, 11, 2015/07/20) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I will verify with all 3 agencies. Thank you for you response and your help.

June 2, 2016       Mr. [redacted] Revdex.com          220 S River Ridge Circle Burnsville, MN 55337   Re:      [redacted]            ...

Jefferson Capital Systems, LLC, Account #’s:  [redacted] and [redacted]             Debt Description:  [redacted]             Complaint ID:  [redacted]   Dear Mr. [redacted]:   We are in receipt of your correspondence sent on behalf of Mr. [redacted] concerning his credit bureau file and the accounts referenced above.   Jefferson Capital Systems, LLC, acquired the [redacted] accounts on or around June 5, 2015, with balances of $1,045.10 and $697.53, respectively.  In researching the matter with [redacted], they provided the enclosed confirmation letters for the accounts and advised they have no record of the accounts being disputed.  Although we show the balances are still due, in order to resolve this matter, we have closed our files and terminated collection action.  We have also requested the credit bureaus to delete our trade lines from Mr. [redacted]’s credit bureau 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 ###-###-####   Enclosure: