Total CFPB complaints
67
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 67 complaints
Valley Collection Service, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 18 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Valley Collection Service, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
23 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
12 complaints
- Disclosure verification of debt 7
Disclosure verification of debt
7 complaints
- Written notification about debt 7
Written notification about debt
7 complaints
- False statements or representation 5
False statements or representation
5 complaints
- Improper contact or sharing of info 3
Improper contact or sharing of info
3 complaints
C
Grade C · 61.1/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Valley Collection Service, LLC?
Valley Collection Service, LLC has accumulated 67 total CFPB complaints across 18 states, with 20 filed in the most recent 12 months against 47 historical complaints before that window. The trailing-12-month volume represents 29.9% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", 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 25% 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 18 states, led by Arizona with 38 and Florida with 8, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 61.1/100 places Valley Collection Service, LLC 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
20
29.9% of total history
Rising ↑
States active
18
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
25%
After company response
Reputation grade
C
61.1/100 composite
Response-quality profile
How Valley Collection Service, LLC 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) 50.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 32.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Valley Collection Service, LLC compare to its peers?
Valley Collection Serv… 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)
2022-02 2026-02
Top Consumer Issues
Attempts to collect debt not owed23 (%)
Took or threatened to take negative or legal action12 (%)
Disclosure verification of debt7 (%)
False statements or representation5 (%)
Written notification about debt7 (%)
Improper contact or sharing of info3 (%)
Threatened to contact someone or share information improperly2 (%)
Communication tactics2 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 18 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 12 |
| Disclosure verification of debt | Not given enough info to verify debt | 7 |
| Attempts to collect debt not owed | Debt was result of identity theft | 5 |
| False statements or representation | Attempted to collect wrong amount | 5 |
| Written notification about debt | Didn't receive enough information to verify debt | 5 |
| Improper contact or sharing of info | Talked to a third party about my debt | 3 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 2 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 2 |
| Written notification about debt | Didn't receive notice of right to dispute | 2 |
Where do complaints against Valley Collection Service, LLC come from?
The states where consumers have filed the most CFPB complaints against Valley Collection Service, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Valley Collection Service, LLC
Across 18 states with at least one filing
- Arizona
Arizona
38 complaints
- Florida 8
Florida
8 complaints
- Missouri 4
Missouri
4 complaints
- Texas 2
Texas
2 complaints
- Illinois 1
Illinois
1 complaints
- California 1
California
1 complaints
- South Carolina 1
South Carolina
1 complaints
- Pennsylvania 1
Pennsylvania
1 complaints
Frequently Asked Questions
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 67 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 20 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: 61.1/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 18 states, with the most complaints from Arizona (38 complaints).
What can I do if Valley Collection Service, LLC 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 Valley Collection Service, LLC 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 |