Who Is CL Holdings? Why Are They Calling Me?
Most commonly for attempts to collect debt not owed
Contact CL Holdings
- Address to send a debt validation letter
- Jefferson Capital Systems, LLC 200 14th Ave E Sartell, MN 56377
- Phone
- 1-833-851-5552
- Official website
- https://www.jcap.com
As of 2026-07-15 — verify before mailing anything important, since collectors do change addresses.
CL Holdings is the parent company of Jefferson Capital Systems, LLC — a debt buyer that purchases charged-off accounts from banks, card issuers, and other lenders, then collects on them directly. If CL Holdings or Jefferson Capital Systems is contacting you, it almost always means your account was sold after you stopped paying the original lender, and Jefferson Capital is now the one trying to collect on it. Since debt gets resold and paperwork can get lost along the way, it’s worth asking them to validate the debt before agreeing to anything.
Questions & Answers
Is CL Holdings a legitimate debt collector?
CL Holdings shows up in the CFPB consumer complaint database, which tracks real complaints filed against real companies — so it is a legitimate, registered entity, not a scam name. That doesn't mean every call claiming to be from them is real; scammers impersonate real collectors. Verify what they're collecting before paying anything — see what to do the first time a collector contacts you.
— US Debt Compass Editorial Team
How do I stop CL Holdings from calling me?
Under the FDCPA, you can send CL Holdings a written cease-and-desist letter and they must stop contacting you except to confirm they've received it or to notify you of specific legal action. This doesn't erase the debt — it only stops the calls. See the cease-and-desist letter glossary entry for how to send one.
— US Debt Compass Editorial Team
How do I dispute a debt with CL Holdings?
Send a written debt validation request to CL Holdings's dispute address within 30 days of first contact — they must then verify the debt before continuing collection. See the contact details above for the current mailing address.
— US Debt Compass Editorial Team
Is CL Holdings on my credit report?
If CL Holdings is collecting on an account, it can appear on your credit report as a collection tradeline, separate from the original creditor's listing. Check your credit report directly to confirm, and see the credit report dispute guide if anything about the listing looks wrong.
— US Debt Compass Editorial Team
Sources
- Jefferson Capital Systems — Contact Us— jcap.com