Product: Debt collection

I submitted a debt validation letter both by email and XXXX. Debt collector has not responded to either. 

Debt validation and email was sent and delivered on XX/XX/XXXX. 

A copy of their letter is below along w/ my response. 

Dear XXXX XXXX, XXXX XXXX Number : XXXX Jefferson Capital Systems , LLC ( Jefferson Capital ) is a debt collector and the owner and current creditor of your referenced account. We will use any information you give us to help collect the debt. 

Our information shows : You had a XXXX account from XXXX with account number of XXXX. Your JCS Reference Number is XXXX. 

As of XX/XX/XXXX you owed : {$2300.00} Between XX/XX/XXXX and XX/XX/XXXX You were charged this amount in interest : {$0.00} You were charged this amount in fees : {$0.00} You paid or were credited this amount toward the debt : {$0.00} Total amount of the debt now : {$2300.00} How can you dispute the debt? 
- Call or write to us by XX/XX/XXXX to dispute all or part of the debt. If you do not, we will assume that our information is correct. 

- If you write to us by XX/XX/XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may also include supporting documents. We accept such requests electronically. Reply DISPUTE and request verification of the debt or provide the reason for your dispute and include any supporting documentation. 

What else can you do? 

- Write to ask for the name and address of the original creditor, if different than the current creditor. If you write by XX/XX/XXXX, we must stop collection until we send you that information. We accept such requests electronically. Reply DISPUTE and request the name and address of the original creditor. 

- Go to www.cfpb.gov/debt-collection to learn more about your rights under federal law. For instance, you have the right to stop or limit how we contact you. 

- Contact us about your payment options. 

How to contact us : - Visit our website at XXXXJCAP.XXXX - By phone : XXXX - Hours of Operation : Mon-Thurs XXXX and Fri XXXX Central Time NOTICE : See below for important information. 


How do you want to respond? 
Reply DISPUTE and enter the reason for your dispute. Some examples below. 
__ I want to dispute the debt because I think : __ This is not my debt. 
__ The amount is wrong. 
__ I want you to send me the name and address of the original creditor. 
__ Other ( Please attach additional information ). 

Send Correspondence to : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Mail Payments to : Jefferson Capital Systems , LLC Dept # XXXX XXXX XXXX XXXX XXXX, AL XXXX Make your check payable to Jefferson Capital Systems , LLC. Include the reference number XXXX Make a payment on our website at www.MyJCAP.com PRIVACY NOTICE Jefferson Capital Systems , LLC ( also referenced herein as we and us ) is providing this notice to you as required by Federal law. We may collect nonpublic personal information about you as permitted by law from : - Your transactions with us ; - Prior owners of your account ; - Consumer reporting agencies ; - Applications or other forms that you provide to us.

We may disclose nonpublic personal information about you to the extent that it is : ( a ) specifically directed by you ; ( b ) permitted by the Gramm-Leach-Bliley Act ( such as to service and maintain your account ) ; and ( c ) not prohibited by other applicable law, including, but not limited to, the Fair Debt Collection Practices Act.

We restrict access to nonpublic personal information about you to employees who need to know that information to provide services to you. We maintain physical, electronic, and procedural safeguards that comply with Federal laws to guard your nonpublic personal infomation.

If you wish to unsubscribe ( opt-out ) from receiving collection emails about this account, click the " unsubscribe '' link below. You can also ( opt-out ) by replying STOP to this email. 
XXXX XXXX... 

[ Message clipped ] View entire message XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX to Jefferson DISPUTE ( COPY MAILED TO YOUR OFFICE AS WELL ) XXXX. For Other Reasons : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : XXXX Ref # XXXX XX/XX/XXXX Dear Jefferson Capital, I am responding to your contact about a debt you are trying to collect. You contacted me by email on XX/XX/XXXX and identified the debt as XXXX Account # XXXX for {$2300.00}. 

Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 



If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 



Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 



If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 



The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 



State the amount of the debt when you obtained it, and when that was. 



If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 



If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 


If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 



Tell me when the creditor claims this debt became due and when it became delinquent. 



Identify the date of the last payment made on this account. 



Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. ORC states the statute of limitations is 6 years. This is past that date. 



Details about your authority to collect this debt. 



I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 



If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 





I have asked for this information because I have some questions. 



I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. 





In addition to providing the information requested above, please let me know whether you are prepared to accept less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will accept to fully resolve the account. 



Thank you for your cooperation. Sincerely, XXXX XXXX