CFPB Debt Collection Complaint Ranking*:

#51 of 2,458 Companies

Lawsuits, Penalties, or Sanctions:

FOSNIGHT v. CONVERGENT OUTSOURCING, INC. (January 27, 2016.) United States District Court, S.D. Indiana, Indianapolis Division. No. 1:15-cv-00606-LJM-DML.

CHAMINEAK v. JEFFERSON CAPITAL SYSTEMS, LLC (July 10, 2015.) United States District Court, E.D. Missouri, Eastern Division. Case No. 4:15-CV-419 (CEJ).

BAZEMORE v. JEFFERSON CAPITAL SYSTEMS, LLC (May 11, 2015.) United States District Court, S.D. Georgia, Dublin Division. No. CV 314-115.

Location and Contact Details:

16 McLeland Road
St. Cloud, MN 56303
Phone: (320) 229-8517
Fax: (320) 229-8582
David M. Burton, CEO
Matt Pfohl, Ethics Contact

Business Model: 

CL Holdings, Inc. is the parent company of debt-buyer Jefferson Capital Systems, LLC, (JCAP). In a 2012 merger/acquisition CL Holdings acquired JPAC from CompuCredit Corporation.   

JCAP was originally founded in 2002 in Minnesota. It is an industry-leader in recovery services for consumer charged-off accounts. Clients include creditors and national debt buyers. Jefferson Capital offers services such as balance transfer credit card programs, purchasing and servicing of secured and unsecured bankruptcies, as well as traditional purchasing of distressed portfolios.

CL Holdings and JCAP headquarters are located in St. Cloud, Minnesota, with offices in Minneapolis, Phoenix, Atlanta, and London, England.

* Ranking determined by the overall number of debt collection complaints to the Consumer Financial Protection Bureau (CFPB) as of year-end 2015 and should be considered in context of company size and/or market share. See the CFPB debt collection complaint database in real-time here

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Michael F. Cardoza, Esq.
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U.S. Marine & Consumer Financial Protection Attorney helping victims of ID theft and Credit Reporting errors.