Jefferson Capital Systems, LLC

September 19, 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 $3,488.47 on or around October 7, 2015.  Based on Mr. [redacted]’s request for validation of this debt, enclosed is a copy of the final [redacted] Wireless billing statement.  Although a balance remains, based on Mr. [redacted]’s dispute, 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 ###-###-####   Enclosure:

June 15, 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 $501.44 on or around October 7, 2015.  On March 30, 2016, Jefferson Capital Systems, LLC sent a settlement letter that included the Right to Dispute notice.   Although we disagree with the merits of Mr. [redacted]’s dispute, to resolve this matter we have terminated collection efforts and requested the credit bureaus to delete our trade line from his credit file.  This letter will confirm the 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 ###-###-####

Initial Business Response /* (1000, 5, 2016/03/09) */
March 9, 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 account referenced above.
Jefferson Capital Systems, LLC, purchased the[redacted] account in May 2013 and subsequently placed the account with [redacted] for collections efforts. They have filed suit on our behalf and any further communications or questions should be directed to that firm. Mr. [redacted] should contact them by calling toll-free [redacted] and request to speak with Jana [redacted].
Thank you for the opportunity to respond to the matter.
Sincerely,
Shirley [redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
[redacted]
Initial Consumer Rebuttal /* (3000, 7, 2016/03/10) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This is absolutely ridiculous. This helps me none.. I am not being sued by [redacted]. I am being sued by Jefferson Capital Systems LLC. No where on the court summons does it mention [redacted]. If this company claims I owe them a debt, I would like to speak with them directly and have a promissory note faxed/emailed/mailed to me proving that they own a student loan of mine. Then close their lawsuit and set up a payment plan with my parents. It is that simple! I have tried contacting this place, [redacted], and every time I ask for a woman named " Jana [redacted] " they hang up on me! I also try asking any associate there about my case or the above account number given by Jefferson Capital Systems, and they have no clue what I am talking about nor can help me. Drop the Lawsuit, Prove that you own my student loan with legal documentation like the promissory note, and set up payments with my Father and I, the co-signer.
Final Business Response /* (4000, 9, 2016/03/18) */
March 18, 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 additional correspondence sent on behalf of Mr. [redacted] concerning his account referenced above.
As stated in our previous reply, Jefferson Capital Systems, LLC, purchased the[redacted] account in May 2013. We placed the account with [redacted] in October 2014 for collection efforts and they filed suit on our behalf. Jana [redacted] has made attempts to contact Mr. [redacted] via the telephone but has been unsuccessful in speaking with him and she has not received a return call. Ms. [redacted] has sent Mr. [redacted] documentation of the account which includes the Promissory Note, Bills of Sale and Proof of Ownership. As a matter of information, the initial demand letter did provide RPM's name, Jefferson Capital Systems, LLC's name and SLM Education Credit Finance.
In a subsequent telephone conversation yesterday (March 17th) between myself and Mr. [redacted] he indicated his willingness to resolve the matter, I contacted Ms. [redacted] and she was able to reach Mr. [redacted] and he will be in contact with her again with regard to getting the matter resolved. He was provided with a direct line to call Ms. [redacted] back during their conversation.
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, 2016/03/22) */
(The consumer indicated he/she ACCEPTED the response from the business.)
After phone contact with Shirley [redacted], we were able to sort everything out. She contacted her 3rd party collection agency that represents her company for my student loan debt, RPM, and had them mail out proof of loan ownership. The Promissory note and bill of sale. Which is great ! Then soon after we were able to speak with a escalations rep at RPM named Malynda [redacted](ext. [redacted]) and she was able to re set us up with a payment plan. She also assured us that an formal email would be sent out stating that the lawsuit is being dropped, now that we were able to reach a settlement. I would only ask Shirley [redacted] from Jefferson Capital Systems to please re assure that the Lawsuit towards me and my father is being dismissed and dropped 100%. She can contact RPM to confirm this and that we have came to a settlement and a payment plan. Thank You !

Initial Business Response /* (1000, 5, 2016/03/21) */
March 21, 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 Mrs. [redacted] concerning her[redacted] account.
Our records indicate the[redacted] account was opened in July 2007 and charged off in August 2010. The FTC settlement referenced in Mrs. [redacted]'s correspondence affected accounts that were opened on or before December 31, 2005. As such, the account is not included in the settlement. Jefferson Capital Systems, LLC, acquired the account in September 2010 with a balance of $1,029.22; enclosed is a copy of the Statement of Account Activity pertaining to the balance. Although we feel the balance is rightfully due, as a courtesy, we have closed our file and terminated collection efforts. We are also requesting the credit bureaus to delete our trade line from Mrs. [redacted]'s credit 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:
Initial Consumer Rebuttal /* (2000, 7, 2016/03/21) */
(The consumer indicated he/she ACCEPTED the response from the business.)
It was very generous of the company to accommodate and respond so quickly.

March 9, 2017       Ms. [redacted] Revdex.com          220 S River Ridge Circle Burnsville, MN 55337   Re:      [redacted]-[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]-[redacted].   Jefferson Capital Systems, LLC acquired the [redacted] account and balance of $602.17 on or around December 5, 2016.  Pursuant to your request for validation of this debt, enclosed is a copy of the final [redacted] billing statement.  In response to your stated dispute, we have terminated collection efforts and are requesting the credit bureaus 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 ###-###-####   Enclosure:

August 4, 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 Ms. [redacted]’ [redacted] Wireless account and balance of $437.36 on or about April 4, 2016.  Our registration number with the Office of Financial Regulation of the Financial Services Commission is CCA9901497.  Although we disagree with the merits of Ms. [redacted]’ dispute, as a courtesy, we have terminated further collection efforts and closed our file.  This letter confirms that the bureaus have been notified to delete our trade line from Ms. [redacted]’ 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

December 14, 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 Ms. [redacted] concerning the account referenced above.  We regret any difficulties she experienced in contacting us via the telephone.   Jefferson Capital Systems, LLC, acquired the [redacted] account on or around September 23, 2016.  In researching the matter with our Secured Auto Department, we were advised Ms. [redacted] spoke with a representative on December 12, 2016.  At that time, the representative advised Ms. [redacted] that her belongings would be released to her at no charge through Cars Portal and was provided with their telephone number.  If she encountered any difficulties in the process, the representative provided her a contact number to call for assistance, that number being ###-###-####.  We were also advised Ms. [redacted] made arrangements to redeem her vehicle.   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 ###-###-####

February 1, 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] 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 Ms. [redacted] on February 1, 2018.  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 ###-###-####

October 31, 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             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 $271.43 on or around February 1, 2016.  Pursuant to Ms. [redacted]’s request for validation of this debt, enclosed is a copy of the final [redacted] Wireless billing statement dated December 8, 2013.  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 ###-###-####

December 27, 2016       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 Mr. [redacted] concerning his above-referenced account.   After review of Mr. [redacted]’s collection file, including correspondence and court documents, Jefferson Capital Systems, LLC (“Jefferson”) acted lawfully and appropriately in the collection of his past due account.  A Summons and Complaint was served for this matter on August 21, 2012 for Jefferson County Case Number [redacted]. Mr. [redacted] did not appear in court nor did he file a responsive pleading with the court per the Summons. Subsequently, a judgment was entered with the court on October 4, 2012 for $4,585.11 with post-judgment interest ordered at 24% per annum pursuant to Colorado Revised Statutes, Section 5-12-101 and the underlying original account Cardmember Agreement.  A writ of garnishment was lawfully requested and issued by the court on June 9, 2016.   Upon review of the account and the court file, Jefferson has acted legally in the enforcement of its court ordered judgment. We would encourage Mr. [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

Initial Business Response /* (1000, 5, 2015/05/05) */

May 5, 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 additional correspondence sent on behalf of Ms. [redacted] concerning her[redacted] account and her credit file.
In response to your previous communication, a follow-up reply was sent as well as the initial reply on May 1, 2015, advising we have notified the credit bureaus to delete our trade line from
Ms. [redacted]'s credit bureau file. Please allow thirty days for the credit bureaus to update their records.
My apologies for any confusion caused in this matter.
Sincerely,
[redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
[redacted]
Initial Consumer Rebuttal /* (3000, 7, 2015/05/06) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept the response from the business. The response provided does not pertain to me but rather to another person and issue altogether which I feel violates their privacy rights by providing me with their personal identifiable information. This also leads me to believe that my response may have been sent to someone else.
Therefore, I have not yet received a response to my complaint and also need to be assured that my information has not been sent to someone else which may require further action.
Final Business Response /* (4000, 12, 2015/05/14) */
May 13, 2015
Revdex.com
Attention: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: [redacted]/Case No. [redacted]
Jefferson Capital Systems, LLC, Account: [redacted]
Debt Description: [redacted]
Dear Mr. [redacted]:
We are writing in response to your correspondence on behalf of Ms. [redacted] concerning the above-referenced account.
Jefferson Capital Systems, LLC purchased the [redacted] account in October of 2010 with a balance of $1,032.63. In response to a complaint we received from the Consumer Financial Protection Bureau (CFPB), we have also responded to her complaint through their office and attached is a copy of her [redacted] billing statement with that reply.
In order to resolve Ms. [redacted]'s dispute we are willing to have the case filed onour behalf by the law firm of [redacted], P.C. dismissed. As our response to the CFPB indicated, we have sent instructions to the firm of [redacted], P.C. to make arrangements for dismissal of the suit. They have sent Ms. [redacted] a dismissal document that requires her signature for the document to be filed with the court. Once Ms. [redacted] has signed and returned the Stipulation to Dismiss to the office of [redacted], P.C, the form will be filed with the Court to have the dismissal processed.
We appreciate the opportunity to respond.
Sincerely,
[redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
Final Consumer Response /* (2000, 14, 2015/05/24) */
(The consumer indicated he/she ACCEPTED the response from the business.)
The response to the complaint has been accepted contingent upon filing of Stipulation to Dismiss with the Court to have the dismissal processed. Signed form was sent to the firm of [redacted], PC for processing as indicated in the response.

October 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]             Complaint ID#: [redacted]             Dear Ms. [redacted]:   We are in receipt of your correspondence sent on behalf of [redacted].   Jefferson Capital Systems, LLC previously received correspondence from the Consumer Financial Protection Bureau (CFPB) on behalf of Mr. [redacted].  Enclosed is a copy of our response to Mr. [redacted].  We believe the actions referenced in this 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 ###-###-####   Enclosure:

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]             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 January 31, 2018.  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 ###-###-####

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is partially satisfactory to me.  I would also like confirmation from Jefferson Capital Systems that the debt will not be transferred or sold. Thank you for your assistance in this matter.

July 6, 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 Ms. [redacted] concerning the account referenced above.   Jefferson Capital Systems, LLC, acquired the [redacted] Wireless account on or around August 3, 2015, with the balance of $1,072.17.  Enclosed please find the last two billing statements provided by [redacted] Wireless.  Although we show a balance is due, to resolve this matter, we have closed our file and terminated collection action.  We are also requesting the credit bureaus to delete our trade line from Ms. [redacted]’ 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 ###-###-####   Enclosure:

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. I would also like an official letter from Jefferson Capitol and their law firm ceasing collection. Thank you

Initial Business Response /* (1000, 5, 2016/03/23) */
March 23, 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 her [redacted] account.
Our records indicate the [redacted] account was opened in January 2012 and charged off in August 2013. Jefferson Capital Systems, LLC, purchased the account in October 2015 with a balance of $923.86. According to our records, we have not received any previous written communications from Ms. [redacted]. We placed the account with [redacted] (DCI), in November 2015 for collection efforts on our behalf. We researched Ms. [redacted]'s claim that documentation was sent showing the account was paid and were advised they also have not received any communications.
Enclosed are reprints of Ms. [redacted]'s last two billing statements pertaining to the balance of $923.86. Although we disagree with the merits of her dispute, as a courtesy, the account has been recalled from DCI, our file closed and collection action terminated. We are also requesting the credit bureaus to delete our trade line from Ms. [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
[redacted]
Enclosure:
Initial Consumer Rebuttal /* (2000, 7, 2016/03/23) */
(The consumer indicated he/she ACCEPTED the response from the business.)

December 14, 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] 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 14, 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,       [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

Initial Business Response /* (1000, 5, 2015/07/16) */
July 16, 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 account referenced above.
Jefferson Capital Systems, LLC, purchased the [redacted] account and balance of $10,138.51 in March 2012. According to the information provided, the account was opened in November 2005 and charged off in August 2007. Since June 2012, the account was placed with five different agencies for collection efforts. Although we disagree with the merits of her dispute, we have closed our file and terminated collection action.
This letter confirms Jefferson Capital Systems, LLC, is not reporting any information regarding the account to the credit bureaus.
We appreciate the opportunity to reply.
Sincerely,
Shirley [redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
[redacted]
Initial Consumer Rebuttal /* (2000, 7, 2015/07/16) */
(The consumer indicated he/she ACCEPTED the response from the business.)

November 15, 2017       Ms. [redacted] Revdex.com          220 S River Ridge Circle Burnsville, MN 55337   Re:      [redacted]...

            Jefferson Capital Systems, LLC Account Number:  [redacted]1             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 Ms. [redacted] on November 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 ###-###-####