Jefferson Capital Systems, LLC

February 15, 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] Bank Checking             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 15, 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 ###-###-####

Initial Business Response /* (1000, 5, 2015/11/20) */
November 20, 2015
Mr. [redacted]
Revdex.com
220 S River Ridge Circle
Burnsville, MN 55337
Re: [redacted]
Jefferson Capital Systems, LLC, Account Number: [redacted]
Debt Description: [redacted]
Case...

#[redacted]
Dear Mr. [redacted]:
We are in receipt of your correspondence sent on behalf of [redacted] concerning the above-referenced account.
Jefferson Capital Systems, LLC, purchased the [redacted] account and balance on $8,782.06 in August 2015. This account is for a 2005 Dodge Grand Caravan and was opened in June 2009 and charged off for collections in April 2010. The opened date of August 2015 reflects the date Jefferson Capital Systems, LLC started reporting the account to the credit bureaus.
According to our records a Right to Dispute Letter was sent and Mr. [redacted] was advised of the credit reporting information when he spoke to our representatives on two separate occasions. In his communication Mr. [redacted] alleges this account was previously reported as fraud. Enclosed is a copy of the Credit Application and Simple Interest Retail Installment Contact for his review. If Mr. [redacted] maintains that this account is fraudulent, please advise him to complete and return the enclosed ID Theft Affirmation form and we will further investigate his concerns.
The Statute of Limitations does not absolve a debtor from payment of a debt. It does, however, provide for limitations during which a creditor or debt collector may commence legal action for payment of a debt. Pursuant to his dispute, we have requested the credit bureaus delete our trade line from his credit file. This letter confirms 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
[redacted]
Enclosures:
Initial Consumer Rebuttal /* (3000, 7, 2015/11/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I will like a writing statement from jefferson staying this account will be closed and deleted from all credit agencies and it will not be sold or transfer to any other collection agency.
Final Business Response /* (4000, 9, 2015/11/25) */
November 25, 2015
Mr. [redacted]
Revdex.com
220 S River Ridge Circle
Burnsville, MN 55337
Re: [redacted]
Jefferson Capital Systems, LLC, Account Number: [redacted]
Debt Description: [redacted]
Case #[redacted]
Dear Mr. [redacted]:
We are in receipt of your additional correspondence sent on behalf of [redacted] concerning the above-referenced account.
This letter will confirm we have terminated collection efforts and requested the credit bureaus delete our trade line from Mr. [redacted]'s credit file. 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
[redacted]
Final Consumer Response /* (2000, 11, 2015/12/02) */
(The consumer indicated he/she ACCEPTED the response from the business.)

January 16, 2018       Ms. [redacted] Revdex.com          220 S River Ridge Circle Burnsville, MN 55337   Re:      [redacted]...

            Jefferson Capital Systems, LLC Account Number:  [redacted]7             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 16, 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 ###-###-####

June 7, 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 $447.03 on or around February 24, 2015.  According to our records, no telephone attempts were made to Mr. [redacted] in regard to this account.  Based on his stated dispute, we have closed our file, terminated collection efforts.    This letter will confirm Jefferson Capital Systems, LLC is not reporting this account to the credit bureaus.  If Mr. [redacted] has documentation of this account being reported, he will need to provide a copy of the trade line found on his credit file and we will further investigate this matter.  Also, 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 ###-###-####

October 18, 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 October 18, 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, 2015/05/07) */
May 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]
Case...

#[redacted]
Dear Mr. [redacted]:
We are in receipt of your correspondence sent on behalf of Mr. [redacted] concerning the above-referenced account.
Jefferson Capital Systems, LLC, purchased the [redacted] account and balance of $88.68 in December 2014 and placed the account with Capital Management Services for collection action. This letter will confirm that we have recalled the account, terminated further collection efforts and have placed the account in a protected bankruptcy status. This also confirms the account will not be sold and that Jefferson Capital Systems, LLC, has not reported any information regarding the account to the credit bureaus.
We appreciate the opportunity to resolve this matter.
Sincerely,
[redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
[redacted]
Initial Consumer Rebuttal /* (2000, 7, 2015/05/07) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Results are just as I asked.
Final Consumer Response /* (3000, 15, 2015/07/22) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The account has most definitely been placed on my credit report. I have made my credit score drop drastically and this still needs to be addressed. Requested information will be faxed to the number provided.
Final Business Response /* (4000, 17, 2015/07/24) */
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 Mr. [redacted] as well as a facsimile concerning the above-referenced account.
We appreciate receiving a copy of the credit report in order to respond to Mr. [redacted]'s concerns regarding his credit bureau file. As reflected on the Experian report, [redacted] is reporting the information, not Jefferson Capital Systems, LLC. As Jefferson Capital Systems, LLC has no control over their reporting decisions, Mr. [redacted] will need to contact [redacted] directly with his dispute.
We regret we are unable to be of further assistance.
Sincerely,
[redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
[redacted]

March 27, 2017   Ms. [redacted]Revdex.com          220 S River Ridge CircleBurnsville, 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].   Jefferson Capital Systems, LLC acquired the [redacted] account on or around January 14, 2014.  Settlement payment was received on March 7, 2017.  This letter will confirm Jefferson Capital Systems, LLC is no longer reporting the account to the credit bureaus.  If the account is being reported to the bureaus by [redacted], we suggest Ms. [redacted] dispute the trade line with the bureaus. Thank you for the opportunity to be of service. Sincerely,   Kathy [redacted]Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-####  e...

Initial Business Response /* (1000, 5, 2015/12/09) */
December 9, 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 [redacted] account.
Jefferson Capital Systems, LLC, purchased the [redacted] account and balance of $933.95 in August 2015. In researching the matter with [redacted], they advised Ms. [redacted] did make settlement arrangements. However, the payment was made later than the date specified making the settlement arrangement no longer valid. [redacted] has forwarded the payment of $335.00 to our office and we are accepting the payment made as satisfaction of the account. We are also notifying the credit bureaus to delete our trade line from Ms. [redacted]' 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]
Initial Consumer Rebuttal /* (2000, 7, 2015/12/09) */
(The consumer indicated he/she ACCEPTED the response from the business.)
That is all I ever wanted. Thank you for the prompt response.

April 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 $62.53 on or around February 1, 2016.  Based on Ms. [redacted]’s dispute that she previously paid this account in full before we acquired it, we have terminated collection efforts and requested the credit bureaus delete our trade line from her credit file. This letter will confirm the 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 ###-###-####

October 20, 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 additional correspondence sent on behalf of [redacted].  This letter will confirm we have responded directly to Mr. [redacted] on October 20, 2017 and trust he has received our correspondence.  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###-###-####

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 for being understanding.

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]             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 here is the info on my credit line

April 18, 2016 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: HSBC CONSUMER LENDING (USA) INC. Dear Mr. [redacted]: We acknowledge receipt of your correspondence sent on behalf of Ms. [redacted] concerning her above-referenced account. After review of Ms. [redacted]’s collection file, including correspondence and account statements, Jefferson Capital Systems, LLC (“Jefferson”) acted lawfully and appropriately in the collection of her past due account.  Ms. [redacted] was served with a Summons and Complaint for this matter on September 11, 2013 for Weld County Case Number [redacted]. On or about September 12, 2013, Ms. [redacted] executed a Non-Judgment Stipulation agreement to pay $14,450.00 to resolve this account.  On or about August 24, 2015, Ms. [redacted] defaulted on this agreement by failing to make the monthly payment as promised. Subsequently, per the terms of the Non Judgment Stipulation, a judgment was entered with the court on February 25, 2016 for the remaining balance owed of $3,702.55.  A writ of garnishment was lawfully requested and issued by the court on March 24, 2016. However, on April 13, 2016, Ms. [redacted] contacted our offices to settle the account in full and made the payment as agreed.  The account, therefore, has been satisfied and closed. The writ of garnishment has been released. Thank you for the opportunity to respond.  Sincerely, [redacted] Compliance Officer On behalf of Jefferson Capital Systems, LLC, A Debt Collector

June 8, 2016       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]   Dear Mr. [redacted]:   We acknowledge receipt of your correspondence sent on behalf of Mr. [redacted] concerning his above-referenced account.   Jefferson Capital Systems, LLC acquired Mr. [redacted]’s [redacted] account and balance of $347.86 in or around October 2015 and placed the account with [redacted]. (“[redacted]”) for collection purposes.  On February 1, 2016, a payment for $173.93 posted to the account.  We were unaware that Mr. [redacted] had settled the account with [redacted] until March 15, 2016, at which time we recalled the account, terminated further collection efforts and notified the bureaus to delete the trade line.  This letter confirms that all collection efforts have ceased and that we have again notified the bureaus to delete our trade line from Mr. [redacted]’s 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: ###-###-####

September 1, 2017    Revdex.comAttention: [redacted]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 acknowledge receipt of your correspondence sent on behalf of [redacted].   Jefferson Capital Systems, LLC acquired the [redacted] account and balance of $1,272.97 on or about October 7, 2015. Although we disagree with the merits of Mr. [redacted]’s dispute, to resolve this matter, we have terminated collection efforts and have requested the credit bureaus delete our trade line from his credit file. Thank you for the opportunity to respond. Sincerely,   Kathy [redacted]Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt CollectorPhone: ###-###-####  ere...

Initial Business Response /* (1000, 5, 2015/06/29) */
June 29, 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.
The [redacted] account was opened in June 2010 and charged off in January 2013. In April 2015, Jefferson Capital Systems, LLC, purchased the account with a balance of $304.88. The Right to Dispute letter was sent to Ms. [redacted] on June 23rd. Ms. [redacted] states in her communication she wants the trade line removed from her credit file and would be willing to negotiate payment arrangements. It is our policy not to make any deletion of a trade line conditional upon receipt of payment. As a courtesy, however, we are notifying the bureaus to delete our trade line from Ms. [redacted]'s credit file. Her cooperation in remitting payment would be appreciated. Our toll-free number to make payment arrangements is[redacted].
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, 2015/07/01) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I called on 07-01-2015 to discuss payment arrangements and they no longer had my account as of 06-30-2015

March 9, 2018       Mr. [redacted] Revdex.com  220 S River Ridge Circle Burnsville, MN 55337   Re:          [redacted] / ID [redacted]                 Jefferson Capital Systems, LLC account number: [redacted] & [redacted]                 Debt Description: [redacted] Wireless   Dear Mr. [redacted]:   We acknowledge receipt of your additional correspondence sent on behalf of Mr. [redacted] concerning the above-referenced accounts.   This letter will confirm that on March 6, 2018, we responded directly to Mr. [redacted]. Attached is a copy of 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: ###-###-####   Attachment:

Initial Business Response /* (1000, 5, 2015/06/12) */
June 12, 2015
Mr. [redacted]
Revdex.com
220 S River Ridge Circle
Burnsville, MN 55337
Re: [redacted]
Jefferson Capital Systems, LLC, Account #[redacted]
Debt Description: [redacted] Consumer...

USA
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 Mr. [redacted] concerning the above-referenced accounts.
Jefferson Capital Systems, LLC, purchased the [redacted] Consumer USA account and balance of $16,430.88 in August 2014. The debt is for a 2001 GMC Yukon. The [redacted] Checking account and balance of $437.39 was purchased in February 2015 from [redacted]. In response to Mr. [redacted]'s communication, we have closed our files and terminated collection actions. We are also notifying the credit bureaus to delete our trade lines from his credit bureau file and this confirms the accounts will not be sold.
Thank you for the opportunity to respond to this matter.
Sincerely,
[redacted]
Consumer Relations Staff
On behalf of Jefferson Capital Systems, LLC, A Debt Collector
[redacted]
Initial Consumer Rebuttal /* (2000, 7, 2015/06/15) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I am satisfied with their response.
Thank you for your help in resolving this matter.

January 13, 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 $123.42 on or around June 5, 2015.  We subsequently placed the account with [redacted] for collection efforts and they received payment for the balance.  In regards to Mr. [redacted]’s claim he was advised the account would be deleted from his credit bureau file, we researched the matter with [redacted], and were advised he was informed Jefferson Capital Systems, LLC would update the account accordingly.  However, to resolve his dispute, we have requested the credit bureaus delete our trade line from his credit bureau 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 ###-###-####