What is the most common complaint against Valentine and Kebartas, Inc.?

The most common issue consumers report about Valentine and Kebartas, Inc. is "Communication tactics", specifically "Frequent or repeated calls". This is based on 162 complaints filed with the CFPB.

Are complaints against Valentine and Kebartas, Inc. increasing or decreasing?

Complaints against Valentine and Kebartas, Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Valentine and Kebartas, Inc.'s reputation grade?

Valentine and Kebartas, Inc. has a reputation grade of C (score: 57.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Valentine and Kebartas, Inc. respond to consumer complaints?

Valentine and Kebartas, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 14% of cases.

In how many states does Valentine and Kebartas, Inc. operate?

Valentine and Kebartas, Inc. has received CFPB complaints from consumers in 36 states, with the most complaints from California (23 complaints).

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

Valentine and Kebartas, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 36 states, reputation grade C.

Compiled by PlainCollector

Communication tactics

48
Cont'd attempts collect debt not owed

34
Attempts to collect debt not owed

17
Written notification about debt

12
False statements or representation

12
Took or threatened to take negative or legal action

11

Data updated September 2026

CFPB complaint disposition

CCDB record valentine-and-kebartas-inc Valentine and Kebartas, Inc.

Grade C · 162 CFPB filings · 100% timely · lead issue: Communication tactics · vol #629 · compose #2849

VOL 162
GRADE C
12MO 0
STATES 36
TIMELY 100%
DISPUTE 14%
ISSUE Communication tactics
RANK #629
COMPOSE #2,849

Volume peers

Nearest volume peer: Accelerated Financial Solutions, LLC (162 complaints)

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

Valentine and Kebartas, Inc.'s 162 CFPB complaints sit next to Accelerated Financial Solutions, LLC 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 →

Distributed filing map

Valentine and Kebartas, Inc. spreads filings across 36 states - California leads at only 14.2%

Despite a broad state map, Valentine and Kebartas, Inc. still sits volume #629 against composite #2,849 - the two RankMaps diverge by 2,220 places. Corpus placement method.

Most-even geography: Lead state under 15%; California still leads at 14.2% across 36 states
Seasonal peak: 2020-07 9.4%; 8–15% band · 3 filings
Divergent corpus ranks: #629 volume; #2,849 composite; Cleanest-composite ladder is 2,220 places worse than volume

How does Valentine and Kebartas, Inc. compare to its peers?

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

Valentine and Kebartas… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

96%

91%

Consumer-dispute ratelower is better

14%

22%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2019-07 2026-01

Issue Detail Breakdown

Issue	Complaints
Communication tactics	48
Cont'd attempts collect debt not owed	34
Attempts to collect debt not owed	17
Written notification about debt	12
False statements or representation	12
Took or threatened to take negative or legal action	11
Threatened to contact someone or share information improperly	9
Disclosure verification of debt	6
Improper contact or sharing of info	6
Electronic communications	6

Where do complaints against Valentine and Kebartas, Inc. come from?

Valentine and Kebartas, Inc.'s own per-state count, not a national baseline.

California

23
New York

20
Florida

15
Texas

11
Pennsylvania

8
Ohio

7
Illinois

5
Louisiana

5

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Valentine and Kebartas, Inc.: 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: 162.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 100%.

4 peers

Know your rights before responding to Valentine and Kebartas, Inc.: 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.