Jefferson Capital: sent to collections

Collect

• validation notice with the end date of the validation period
• Jefferson Capital and original account numbers
• proof of payment or identity theft report
• copies of what you send

Steps

1. Find the date the validation notice gives as the end of the validation period, and the dispute address on the notice.

2. Before that date, send a written dispute by certified mail asking for verification and the original creditor's name and address. Keep a copy.

3. If the notice gives no address, send it to the company address too.

   MailJefferson Capital company address Jefferson Capital, 200 14th Ave E, Sartell, MN 56377

4. If Jefferson Capital keeps collecting without sending verification, file a CFPB complaint.

   RegulatorConsumer Financial Protection Bureau +1-855-411-2372

More contacts for this issue

Facts you can cite

• Process

  If you dispute in writing within the validation period, a debt collector must stop collecting the debt, or the disputed part, until it sends verification of the debt or a copy of a judgment (Regulation F, 12 CFR 1006.38).

  Source: consumerfinance.gov, verified 2026-10-13

• Policy

  Jefferson Capital, Inc.'s list of subsidiaries filed with the SEC (June 2025) includes Jefferson Capital Holdings, LLC, CL Holdings, LLC and Jefferson Capital Systems, LLC.

  Source: sec.gov, verified 2026-10-13

• The CFPB received 25,014 complaints about "CL Holdings LLC" from July 1, 2025 to June 30, 2026 (debt collection 20,377; credit reporting 4,439). 20,052 were closed with explanation and 4,961 with non-monetary relief. The CFPB does not say this is Jefferson Capital; the name matches a Jefferson Capital subsidiary.

  Source: consumerfinance.gov, verified 2026-10-13

Rules in force

• Debt validation notice and dispute period (FDCPA, Regulation F)
  12 CFR 1006.34; 12 CFR 1006.38 (Regulation F)

  A third-party debt collector must give the consumer validation information, including an itemization of the debt and the date the validation period ends. If the consumer disputes the debt in writing within the validation period (30 days after the consumer receives or is assumed to receive the information), the collector must stop collecting until it sends verification of the debt.

  Source: consumerfinance.gov, verified 2026-10-12

  7 citable points

  • Policy

    Regulation F covers a debt collector: a person whose principal business purpose is collecting debts, or who regularly collects debts owed or asserted to be owed to another. It generally does not cover a creditor's own employees collecting in the creditor's name, or a person who got a debt before it was in default. A debt is a consumer obligation primarily for personal, family or household purposes.

    Source: consumerfinance.gov, verified 2026-10-12

  • Deadline

    The collector must give the validation information in the initial communication, or within five days after it, or orally in the initial communication.

    Source: consumerfinance.gov, verified 2026-10-12

  • Deadline

    The validation period ends "30 days after the consumer receives or is assumed to receive the validation information". The collector may assume receipt on any date "at least five days (excluding legal public holidays identified in 5 U.S.C. 6103(a), Saturdays, and Sundays)" after it provides the information. The notice must state the date the collector will treat as the end of the validation period.

    Source: consumerfinance.gov, verified 2026-10-12

  • Policy

    The validation information includes the itemization date, the amount of the debt on that date, an itemization of interest, fees, payments and credits since then, the current amount, and a consumer response section with dispute prompts.

    Source: consumerfinance.gov, verified 2026-10-12

  • Process

    "Upon receipt of a dispute submitted by the consumer in writing within the validation period, a debt collector must cease collection of the debt, or any disputed portion of the debt," until it sends the consumer a copy of verification of the debt or of a judgment, in writing or electronically. A dispute sent through an electronic medium the collector accepts, such as its email address or website portal, counts as written.

    Source: consumerfinance.gov, verified 2026-10-12

  • Process

    If the consumer asks in writing within the validation period for the name and address of the original creditor, the collector must stop collection until it provides that information.

    Source: consumerfinance.gov, verified 2026-10-12

  • Policy

    During the validation period the collector may not use collection activities or communications that overshadow or are inconsistent with the consumer's dispute rights. Failure to dispute does not count as a legal admission that the consumer owes the debt.

    Source: consumerfinance.gov, verified 2026-10-12

If that fails, escalate

Go up one step at a time. Keep the reference numbers and dates from each contact.

1. Written complaint

   MailJefferson Capital company address Jefferson Capital, 200 14th Ave E, Sartell, MN 56377

   Dispute in writing within the validation period, at the address on the validation notice.

2. Federal regulator

   RegulatorConsumer Financial Protection Bureau +1-855-411-2372

3. Federal regulator

   RegulatorFederal Trade Commission +1-877-382-4357

4. 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).

5. Small claims court

Watch out

Related

• Sent to collections at other companies
• Debt collectors and debt buyers — how disputes and complaints work
• Jefferson Capital: error on a credit report