What is the most common complaint against Gallatin Valley Financial?

The most common issue consumers report about Gallatin Valley Financial is "Written notification about debt", specifically "Threatened or suggested your credit would be damaged". This is based on 4 complaints filed with the CFPB.

Are complaints against Gallatin Valley Financial increasing or decreasing?

Complaints against Gallatin Valley Financial are rising. The company received 2 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Gallatin Valley Financial's reputation grade?

Gallatin Valley Financial has a reputation grade of F (score: 43.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Gallatin Valley Financial respond to consumer complaints?

Gallatin Valley Financial has a 25% timely response rate to CFPB complaints.

In how many states does Gallatin Valley Financial operate?

Gallatin Valley Financial has received CFPB complaints from consumers in 3 states, with the most complaints from Montana (2 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Gallatin Valley Financial - Debt Collector Complaint Profile

CFPB complaint profile across 3 states, reputation grade F.

Compiled by PlainCollector

Written notification about debt

1
Took or threatened to take negative or legal action

1
Communication tactics

1
Threatened to contact someone or share information improperly

1

Data updated September 2026

CFPB complaint disposition

CCDB record gallatin-valley-financial Gallatin Valley Financial

Grade F · 4 CFPB filings · 25% timely · lead issue: Written notification about debt · vol #3382 · compose #4815

VOL 4
GRADE F
12MO 2
STATES 3
TIMELY 25%
ISSUE Written notification about…
RANK #3,382
COMPOSE #4,815

Volume peers

Nearest volume peer: 90 Day Credit Experts (4 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Gallatin Valley Financial's 4 CFPB complaints sit next to 90 Day Credit Experts on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

50.0% of Gallatin Valley Financial's CFPB filings land in Montana

High volume does not equal a clean composite: Gallatin Valley Financial is volume #3,382 but composite #4,815, while Montana dominates the geography. Corpus placement method.

Dominant state: Montana 50.0%; 2 of 4 filings · 3 states touched
Spike month: 2025-01 25.0%; 2 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #3,382 volume; #4,815 composite; Cleanest-composite ladder is 1,433 places worse than volume

How does Gallatin Valley Financial compare to its peers?

How does Gallatin Valley Financial compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Gallatin Valley Financ… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

25%

50%

91%

Consumer-dispute ratelower is better

100%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-05 2025-12

Issue Detail Breakdown

Issue	Complaints
Written notification about debt	1
Took or threatened to take negative or legal action	1
Communication tactics	1
Threatened to contact someone or share information improperly	1

Where do complaints against Gallatin Valley Financial come from?

Gallatin Valley Financial's own per-state count, not a national baseline.

Montana

2
California

1
Texas

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Gallatin Valley Financial: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 4.

4 peers

Know your rights before responding to Gallatin Valley Financial: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.