Jefferson Capital
What does this mean?
Grade B (good: mostly official pages; check the flagged values before relying on them). 100% of 7 sources are the organization's own pages or government sites; only 7 sourced values, so the entry is thin.
Get help with (2)
- Sent to collectionsDispute in writing at the address on the validation notice before the validation period ends.
- Error on a credit reportDispute the entry with each credit bureau and directly with Jefferson Capital at the address on your credit report.
Contacts (3)
Phone
- Jefferson Capital consumer phone Account holder only
The site lists no hours.
Use for: Sent to collections, Error on a credit report
Source: jcap.com, verified 2026-10-13
Online tools and accounts
- Consumer Account Support Department (account portal)
Linked from jcap.com's contact page. The portal needs JavaScript.
Use for: Sent to collections, Error on a credit report
Source: jcap.com, verified 2026-10-13
- Jefferson Capital company addressJefferson Capital, 200 14th Ave E, Sartell, MN 56377
General company address on jcap.com, not labeled for disputes. Send a written dispute to the address on your validation notice first.
Use for: Sent to collections
Source: jcap.com, verified 2026-10-13
Escalation path
Go up one step at a time. Keep the reference numbers and dates from each contact.
Written complaint
MailJefferson Capital company address Jefferson Capital, 200 14th Ave E, Sartell, MN 56377Dispute in writing within the validation period, at the address on the validation notice.
Federal regulator
Federal regulator
State agency
Your state’s attorney general. Find it in the list of state agencies (also as JSON:
states/<code>.json, for example states/ny.json).Small claims court
Known blockers
- Jefferson Capital publishes no dispute address or hours on its site.
- The consumer portal needs JavaScript and sign-in.
Scam warnings
Official domains
jcap.commyjcap.com
Real links and emails from Jefferson Capital end in one of these.
For the whole industry, read Debt collectors and debt buyers — how disputes and complaints work.
Verification notes
Jefferson Capital buys and collects consumer debts. Its SEC filing lists subsidiaries including Jefferson Capital Systems, LLC and CL Holdings, LLC (both Georgia). The CFPB complaint database has no company named Jefferson Capital; it lists complaints under "CL Holdings LLC", which we could not confirm is the same business, so treat that count as probable, not certain. Jefferson Capital publishes no dispute mailing address on its site; use the address on your validation notice.
Let your AI agent handle this
Escalate Anything is a free, open-source MCP server for Claude, Cursor, VS Code, Gemini CLI, Codex and other AI apps. Your agent gets this playbook, keeps a case log with reference numbers and follow-up dates, and drafts each message for you to approve.
1. Set it up (needs uv):
uvx escalate-anything setup2. Ask your agent:
My problem with Jefferson Capital: [what happened, with dates and amounts]. Use Escalate Anything to get it resolved.Source code, other install options and the Claude Code plugin