What is the most common complaint against Valley Collection Service, LLC?

The most common issue consumers report about Valley Collection Service, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 74 complaints filed with the CFPB.

Are complaints against Valley Collection Service, LLC increasing or decreasing?

Complaints against Valley Collection Service, LLC are rising. The company received 24 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Valley Collection Service, LLC's reputation grade?

Valley Collection Service, LLC has a reputation grade of C (score: 58.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Valley Collection Service, LLC respond to consumer complaints?

Valley Collection Service, LLC has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 25% of cases.

In how many states does Valley Collection Service, LLC operate?

Valley Collection Service, LLC has received CFPB complaints from consumers in 19 states, with the most complaints from Arizona (43 complaints).

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

Valley Collection Service, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 19 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

26
Took or threatened to take negative or legal action

18
Written notification about debt

8
Disclosure verification of debt

8
False statements or representation

6
Improper contact or sharing of info

3

Data updated September 2026

CFPB complaint disposition

CCDB record valley-collection-service-llc Valley Collection Service, LLC

Grade C · 74 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #975 · compose #2639

VOL 74
GRADE C
12MO 24
STATES 19
TIMELY 100%
DISPUTE 25%
ISSUE Attempts to collect debt n…
RANK #975
COMPOSE #2,639

Volume peers

Nearest volume peer: Brennan & Clark, Ltd., LLC (74 complaints)

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

Valley Collection Service, LLC's 74 CFPB complaints sit next to Brennan & Clark, Ltd., 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 →

State-heavy filing map

58.1% of Valley Collection Service, LLC's CFPB filings land in Arizona

High volume does not equal a clean composite: Valley Collection Service, LLC is volume #975 but composite #2,639, while Arizona dominates the geography. Corpus placement method.

Dominant state: Arizona 58.1%; 43 of 74 filings · 19 states touched
Spike month: 2014-11 20.4%; 10 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #975 volume; #2,639 composite; Cleanest-composite ladder is 1,664 places worse than volume

How does Valley Collection Service, LLC compare to its peers?

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

Valley Collection Serv… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

25%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-11 2017-09

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	26
Took or threatened to take negative or legal action	18
Written notification about debt	8
Disclosure verification of debt	8
False statements or representation	6
Improper contact or sharing of info	3
Communication tactics	2
Threatened to contact someone or share information improperly	2
Cont'd attempts collect debt not owed	1

Where do complaints against Valley Collection Service, LLC come from?

Valley Collection Service, LLC's own per-state count, not a national baseline.

Arizona

43
Florida

9
Missouri

4
Texas

2
Arkansas

1
California

1
Connecticut

1
Illinois

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Valley Collection Service, LLC: 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: 74.

4 peers

Know your rights before responding to Valley Collection Service, LLC: 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.