Total CFPB complaints
162
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 162 complaints
Valentine and Kebartas, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 36 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Valentine and Kebartas, Inc.
- Communication tactics
Communication tactics
36 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
31 complaints
- Attempts to collect debt not owed 13
Attempts to collect debt not owed
13 complaints
- False statements or representation 9
False statements or representation
9 complaints
- Written notification about debt 9
Written notification about debt
9 complaints
- Electronic communications 5
Electronic communications
5 complaints
C
Grade C · 60.9/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Valentine and Kebartas, Inc.?
Valentine and Kebartas, Inc. has accumulated 162 total CFPB complaints across 36 states, with 0 filed in the most recent 12 months against 162 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Frequent or repeated calls", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 14% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 36 states, led by California with 23 and New York with 20, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 60.9/100 places Valentine and Kebartas, Inc. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Falling ↓
States active
36
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
14%
After company response
Reputation grade
C
60.9/100 composite
Response-quality profile
How Valentine and Kebartas, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 29.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 64.3%
Share of US states + territories with at least one filed complaint against this collector.
How does Valentine and Kebartas, Inc. compare to its peers?
Valentine and Kebartas… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2022-03 2025-02
Top Consumer Issues
Communication tactics36 (%)
Cont'd attempts collect debt not owed31 (%)
False statements or representation9 (%)
Written notification about debt9 (%)
Attempts to collect debt not owed13 (%)
Electronic communications5 (%)
Threatened to contact someone or share information improperly4 (%)
Most common issue: Communication tactics — Frequent or repeated calls
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Communication tactics | Frequent or repeated calls | 24 |
| Cont'd attempts collect debt not owed | Debt is not mine | 19 |
| Cont'd attempts collect debt not owed | Debt was paid | 12 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 12 |
| False statements or representation | Attempted to collect wrong amount | 9 |
| Written notification about debt | Didn't receive enough information to verify debt | 9 |
| Attempts to collect debt not owed | Debt is not yours | 8 |
| Attempts to collect debt not owed | Debt was result of identity theft | 5 |
| Electronic communications | Frequent or repeated messages | 5 |
| Threatened to contact someone or share information improperly | Contacted your employer | 4 |
Where do complaints against Valentine and Kebartas, Inc. come from?
The states where consumers have filed the most CFPB complaints against Valentine and Kebartas, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Valentine and Kebartas, Inc.
Across 36 states with at least one filing
- California
California
23 complaints
- New York
New York
20 complaints
- Florida
Florida
15 complaints
- Texas
Texas
11 complaints
- Pennsylvania 8
Pennsylvania
8 complaints
- Ohio 7
Ohio
7 complaints
- Illinois 5
Illinois
5 complaints
- Washington 5
Washington
5 complaints
Frequently Asked Questions
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: 60.9/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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).
What can I do if Valentine and Kebartas, Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Valentine and Kebartas, Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |