Jefferson Capital Systems, LLC

November 1, 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 November 1, 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 ###-###-####

September 12, 2017   Ms. [redacted]Revdex.com          220 S River Ridge CircleBurnsville, MN 55337 Re:      [redacted]...

[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 placed Ms. [redacted]’s telephone numbers of ###-###-#### and ###-###-#### on our Do-Not-Call list.  If Ms. [redacted] is receiving calls at any other telephone numbers, she will need to provide that number to us to have placed on our Do-Not-Call list. Thank you for the opportunity to be of service. Sincerely,   Kathy [redacted]Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####

February 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].   Jefferson Capital Systems, LLS acquired the [redacted] Wireless account and balance of $977.88 on or around June 7, 2016.  Although a balance remains on the account, to resolve this matter 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 ###-###-####

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]
Case...

#[redacted]
Dear Mr. [redacted]:
We are in receipt of your correspondence sent on behalf of Mr. [redacted] concerning his above-referenced account.
Jefferson Capital Systems, LLC, purchased the [redacted] account and balance of $1,063.76 in March 2015. The account was subsequently placed with Receivable Performance Management in May 2015 and they sent the Right to Dispute letter on May 7, 2015. On May 26, 2015, Mr. [redacted] spoke with a representative at Jefferson Capital Systems, LLC, stating he did not feel the balance was correct and asked if he paid the balance if the trade line would be deleted. He was advised his trade line information would be updated to reflect payment but not deleted.
As a courtesy and to resolve this matter, we have recalled the account, closed our file and terminated collection efforts. Additionally, we are notifying the credit bureaus to delete our trade line from his 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]

February 7, 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 Ms. [redacted] on February 7, 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 StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####

I am rejecting this response because: I sent a Validation letter to that business over 30 days ago with no response from them.  I asked for Validation and they did not provide it.  I appreciate them ceasing collection efforts on their part.  I would also request that if this is on any credit reports, that it be removed and that this account not be "resold" to someone else for continued collections. Thank you[redacted]

February 5, 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 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 February 5, 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###-###-####

April 6, 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.  We apologize for any confusion that occurred when Ms. [redacted] spoke to a representative from Jefferson Capital Systems, LLC. Jefferson Capital Systems, LLC purchased the [redacted] account and balance of $9,484.37 in August 2015.  This letter will confirm we have agreed to accept monthly payments of $100.00 through January 29, 2020, totaling $4,720.00, as settlement on her account. As long as payments are made each month when they come due, 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 ###-###-####

August 25, 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 $2,041.08 on or around June 7, 2016.  Enclosed is a copy of the final [redacted] Wireless statement.  Please note the address on the statement matches the address Ms. [redacted] provided in her correspondence.   Although we disagree with the merits of her dispute, 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 ###-###-####   Enclosure:

July 31, 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 $1,661.97 on or around March 20, 2015.  Pursuant to Ms. [redacted]’ request for validation of this debt, enclosed is a copy of the final [redacted] Wireless billing statement.  Based on her 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 ###-###-####   Enclosure:

December 8, 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 $218.93 on or around October 7, 2015.  In researching the matter with [redacted] Wireless, they advised their Fraud Department researched this matter and found the social security number and address matched on the account, and confirmed payments were also made. Based on this information they concluded the account is valid.  However, to resolve this matter, we have terminated collection efforts.  Additionally we have requested 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 ###-###-####

Initial Business Response /* (1000, 6, 2015/06/15) */
[redacted]response has been scanned in and converted to text below (original document is available using the online complaint system).
I am in receipt of your recent request to Jefferson Capital Systems, LLC for information and a response to the...

complaint of[redacted] (the "Complainant"). I have reviewed the Complaint and offer the following response:
This case arises from Jefferson Capital Systems, LLC's efforts to collect a debt that originally related to a defaulted credit card account assigned from [redacted] with the last four account digits of [redacted]. The account was opened on April 04, 1994 and charged off on April 28, 2006 with a delinquent balance of $1,587.36.
Account records show that Jefferson Capital's predecessor-in-interest, [redacted] Acquisitions Servicing, LLC ("[redacted]"), mailed a validation notice on September 15, 2011, as required by the Federal and Colorado Fair Debt Collection Practices Acts, see 15 U.S.C. 1692g and COLO. REV. STAT. 12-14-109. See [redacted]'s Validation Letter, attached as Exhibit A.
When [redacted] did not receive any response, [redacted] had your served on your behalf with a summons and complaint for breach of contract on November 27, 2011. Noticeably, you were served at the same address to which [redacted] mailed its validation notice and which you listed as your address on this Complaint. See Affidavit of Service, attached as Exhibit B. Unfortunately, you did not respond or file an answer so the court entered judgment against you on December 14, 2011 in the amount of $2,787.19. See Docket, attached as Exhibit C.
Account records show that [redacted] sent multiple letters about the judgment to your address in 2013 but did not receive a response. See Letters, attached as Exhibit D.
On December 19, 2014, Jefferson Capital purchased this judgment debt from [redacted]. On December 30, 2014, Jefferson Capital mailed a validation notice, as required by the Federal and Colorado Fair Debt Collection Practice Acts, See 15 U.S.C. 1692g and COLO. REV. STAT. 12-14-109. See Jefferson Capital's Validation Letter, attached as Exhibit E.
On January 23, 2015, Jefferson Capital filed a Notice of Assignment Judgment with the El Paso County Court, attached the Assignment, and mailed you copies. See Notice and Assignment, attached as Exhibit F. On May 14, 2015, Jefferson Capital filed a proposed Writ of Continuing Garnishment with court, which was granted. See Docket, attached as Exhibit C.
Although you allege that you made "several phone calls in attempt to verify the validity of the debt with no response," account records do not show a single call made to Jefferson Capital. Account records similarly do not show a single attempt made by Jefferson Capital to you. In further support, searches of all caller ID records show the same thing. In a good-faith effort, however, upon receiving this Complaint, Jefferson Capital verified the debt and mailed it the same day, including the name of the original creditor, your full social security number received in connection with the account, the original account number, the date the account was opened, the date the account was charged off, the amount charged off, and the corresponding interest rate. In addition, Jefferson Capital sent documentation regarding the chain of title, demonstrating valid ownership of the debt, and a copy of the judgment information.
Next, although you allege that Jefferson did not provide any notification that such debt was being submitted for garnishment, this allegation is a misunderstanding of Colorado law. Colorado County Court Rule of Civil Procedure 403(1)(d) required the judgment creditor to serve two writs of garnishment upon the business employer and for the employer to serve a copy on the person to be garnished.
Here, Jefferson Capital sent the court-issued Writ for service of process with instructions to serve two copies on your employer, as well as instructions for your employer to serve a copy of the Writ of Continuing Garnishment on you, in conformity with Colorado rules. If you did not receive a copy of the Writ, the fault lies with your employer.
We invite you to call our Collections Manager, Andre [redacted], at [redacted] X [redacted] to discuss resolution of the judgment debt.
Initial Consumer Rebuttal /* (3000, 8, 2015/06/25) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept the response provided by JCS. My wife, [redacted], made several attempts to contact Mr. [redacted]. Voice mail messages requesting Mr. [redacted] call us back to further discuss the alleged debt were ignored and calls were not returned. My wife also attempted to contact Mr. [redacted] personally, and did not receive a call back or response. Further, Mr. [redacted] stated that upon receipt of this complaint, he mailed correspondence containing the full account number, social security number received in connection with the account, the name of the original creditor, the date the account was opened and charged off, and the corresponding interest rate, however, I have received no such correspondence to date. Due to the fact that this information was not provided to me, I have serious questions regarding the credibility of this alleged debt. Mr. [redacted] stated in his response that this CREDIT CARD account was opened in April 1994. I was 16 years of aged in April 1994, and my wife (also listed on the alleged account) was 14 years old. By Colorado state law, neither one of us would have legally been able to open a credit card account at that time. Both my wife, and myself have also checked our credit reports dating back to 2011, and there is no such debt or judgment listed on either of our reports. Due to the fact that JCS was unable to provide me with adequate information to research further into the validity of this debt, I assume that it is invalid and therefore, unlawful to collect on it. To date, JCS has received $801.89 through garnishment of my wages. Due to the fact that I believe JCS is collecting on an invalid debt, I would like the full $801.89 returned to me, in conjunction with the settlement I sought in my original complaint.
Final Business Response /* (4000, 10, 2015/07/02) */
Dear Mr. [redacted]:
I am in receipt of your recent request to Jefferson Capital Systems, LLC for information
and a response to your previous complaint submitted to the Revdex.com. I have
reviewed the Complaint and offer the following response:
Although I received one voicemail from your wife to discuss the debt, it was late on a
Friday afternoon and I was out of the office. As I also had business meetings scheduled for the
beginning of the next week, I passed along her name and number to Andre [redacted] and asked
him to return the call.
As stated in our previous response, Jefferson Capital previously mailed correspondence
with the name of the original creditor, your full social security number received in connection
with the account, the original account number, the date the account was opened, the date the
account was charged off, the amount charged off, and the corresponding interest rate. In
addition, Jefferson Capital sent documentation regarding the chain of title, demonstrating valid
ownership of the debt, and a copy of the judgment information. Keep in mind, however, that
you requested this information in June 2015 and that the court entered judgment against you on
December 14, 2011, which is approximately 3.5 years ago. I am attaching a copy of the court
docket for your review.The court has further granted Jefferson Capital's request to garnish your wages to execute
on this judgment debt. For your reference, Jefferson Capital is not reporting this judgment debt
to any credit reporting agencies, although the credit reporting agencies could report it as a public
record of their own volition at any time.
We invite you to call our Collections Manager, Andre [redacted], at [redacted] x [redacted]
to discuss resolution of the judgment debt. Mr. [redacted] has authority to resolve the matter to
both party's satisfaction. If he is unavailable because he is on the other line, please leave a
message and he will return your call at his earliest convenience.

November 1, 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 Ms. [redacted] on November 1, 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, 2016/02/29) */
February 29, 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 the account referenced above.
Our records indicate the [redacted] account was opened in September 2012 and charged off in August 2013. Jefferson Capital Systems, LLC, purchased the account with a balance of $630.76 in October 2015. A request for validation of the debt was received on February 24th and Mr. [redacted] telephoned on February 25th stating he never had a [redacted] account. 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 his credit bureau file. The account will not be sold or transferred.
Thank you 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, 2016/03/02) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank you, I appreciate the quick response. when is this going to get removed, or when do you usually send the request to delete off of the reports?

April 19, 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].  Jefferson Capital Systems, LLC acquired the [redacted] Wireless account and balance of $1,356.71 on or around August 1, 2016.  In researching the matter with [redacted] Wireless, we were informed there were no prior disputes received regarding the account.  We also have no record of receiving a dispute from Mr. [redacted]. Pursuant to his request for validation of this debt, enclosed is a copy of the final [redacted] Wireless bill statement.  Based on Mr. [redacted]’s stated dispute and to resolve this matter, we have terminated collection efforts and requested 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 StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-#### Enclosure:

I am rejecting this response because:
I have no idea what the letter that was sent says. I would like to be advised asap as to the resolution of this matter. I will not accept anything less than the reporting to be removed from all 3 agencies, and for my information to not be sold or transferred. Thank You.

July 19, 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].  Jefferson Capital Systems, LLC acquired the [redacted] Wireless account and balance of $2,669.68 on or around August 1, 2016.  Although we disagree with the merits of her dispute, 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 StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####

Initial Business Response /* (1000, 6, 2015/04/24) */
April 24, 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 regard to your correspondence on behalf of Ms. [redacted] and correspondence we received directly from her concerning the above-referenced account.
Our records show that Ms. [redacted] has previously been sent validation of debt for the above- referenced account. However, in response to her claim that she has no knowledge of the debt and in order to resolve this matter, we will have the court case filed against her dismissed and terminate collection action on the debt. We anticipate that dismissal of the case can be completed within the next 30 days.
We appreciate the opportunity to respond.
Sincerely,
[redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
Ph: [redacted]

February 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].   Jefferson Capital Systems, LLC acquired the [redacted] Wireless account and balance of $922.25 on or around February 1, 2016.  A letter was sent to Ms. [redacted] on February 25, 2016 introducing Jefferson Capital Systems, LLC as the owner and current creditor of the debt.  Although a balance remains on the account, 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 ###-###-####

June 6, 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 $1,164.83 on or around March 31, 2017.  Based on Ms. [redacted]’s previous correspondence requesting validation of this debt, a letter was sent May 31, 2017.  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 ###-###-####