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

CFPB complaint data Grade C 162 complaints

Valentine and Kebartas, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 36 states, reputation grade C.

Complaints by issue type

What consumers report about Valentine and Kebartas, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 162
  • GRADE C
  • 12MO 0
  • STATES 36
  • TIMELY 100%
  • DISPUTE 14%
  • ISSUE Communication tactics
  • RANK #629
  • COMPOSE Not ranked

Volume peers

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

Accelerated Financial Solutions, LLCAccelerated Financial Soluti…162Ascension Point Recovery Services, LLCAscension Point Recovery Ser…162Collection Receivables, Inc.Collection Receivables, Inc.162Financial Corporation of AmericaFinancial Corporation of Ame…162Valentine and Kebartas, Inc. (this)Valentine and Kebartas, Inc.…162
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 →

How the 162 complaints break down

Every complaint issue type on record for Valentine and Kebartas, Inc., not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
57.6/100
Valentine and Kebartas, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
162
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
14%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

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

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. 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
Corpus ranks
#629 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

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, Inc. National average
Complaints (last 12 mo)lower is better
0
0
268
Timely-response ratehigher is better
100%
96%
91%
Consumer-dispute ratelower is better
14%
22%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Valentine and Kebartas, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 0%50%100%150% 0%10%20%30%40%50% Timely response rate (%) Dispute rate (%) Valentine and Kebartas, Inc. vs. 8 similar-volume peers, by response speed and dispute rate Valentine and Kebartas, Inc.Financial Corporation of AmericaWLCCAscension Point Recovery Services, LLCAccelerated Financial Solutions, LLCCOLLECTIONS USA, INC.Terrill Outsourcing GroupBCA Financial Services, Inc.A & O Recovery Solutions, LLC
Source: CFPB Consumer Complaint Database

Valentine and Kebartas, Inc.'s complaint volume in context

Valentine and Kebartas, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

162 Top 12% higher than 88% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). This entry sits in this band. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Valentine and Kebartas, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
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.

Top states by complaints against Valentine and Kebartas, Inc.

Across 36 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.