What is the most common complaint against Valley Credit Service, Inc. (OR)?

The most common issue consumers report about Valley Credit Service, Inc. (OR) is "Attempts to collect debt not owed", specifically "Not given enough info to verify debt". This is based on 35 complaints filed with the CFPB.

Are complaints against Valley Credit Service, Inc. (OR) increasing or decreasing?

Complaints against Valley Credit Service, Inc. (OR) are falling. The company received 3 complaints in the last 12 months, showing improvement over prior periods.

What is Valley Credit Service, Inc. (OR)'s reputation grade?

Valley Credit Service, Inc. (OR) has a reputation grade of F (score: 47.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Valley Credit Service, Inc. (OR) respond to consumer complaints?

Valley Credit Service, Inc. (OR) has a 57% timely response rate to CFPB complaints. Consumers disputed the company's response in 18% of cases.

In how many states does Valley Credit Service, Inc. (OR) operate?

Valley Credit Service, Inc. (OR) has received CFPB complaints from consumers in 4 states, with the most complaints from Oregon (30 complaints).

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

Valley Credit Service, Inc. (OR) - Debt Collector Complaint Profile

CFPB complaint profile across 4 states, reputation grade F.

Compiled by PlainCollector

Attempts to collect debt not owed

6
Written notification about debt

6
Disclosure verification of debt

6
False statements or representation

5
Took or threatened to take negative or legal action

3
Cont'd attempts collect debt not owed

3

Data updated September 2026

CFPB complaint disposition

CCDB record valley-credit-service-inc-or Valley Credit Service, Inc. (OR)

Grade F · 35 CFPB filings · 57% timely · lead issue: Attempts to collect debt not owed · vol #1437 · compose #4405

VOL 35
GRADE F
12MO 3
STATES 4
TIMELY 57%
DISPUTE 18%
ISSUE Attempts to collect debt n…
RANK #1,437
COMPOSE #4,405

Volume peers

Nearest volume peer: Accounts Receivable Inc. (35 complaints)

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

Valley Credit Service, Inc. (OR)'s 35 CFPB complaints sit next to Accounts Receivable Inc. 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

85.7% of Valley Credit Service, Inc. (OR)'s CFPB filings land in Oregon

High volume does not equal a clean composite: Valley Credit Service, Inc. (OR) is volume #1,437 but composite #4,405, while Oregon dominates the geography. Corpus placement method.

Dominant state: Oregon 85.7%; 30 of 35 filings · 4 states touched
Seasonal peak: 2026-01 11.8%; 8–15% band · 2 filings
Divergent corpus ranks: #1,437 volume; #4,405 composite; Cleanest-composite ladder is 2,968 places worse than volume

How does Valley Credit Service, Inc. (OR) compare to its peers?

How does Valley Credit Service, Inc. (OR) 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 Credit Service,… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

57%

100%

91%

Consumer-dispute ratelower is better

18%

14%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-04 2026-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	6
Written notification about debt	6
Disclosure verification of debt	6
False statements or representation	5
Took or threatened to take negative or legal action	3
Cont'd attempts collect debt not owed	3
Communication tactics	2
Threatened to contact someone or share information improperly	2
Improper contact or sharing of info	1
Electronic communications	1

Where do complaints against Valley Credit Service, Inc. (OR) come from?

Valley Credit Service, Inc. (OR)'s own per-state count, not a national baseline.

Oregon

30
Washington

3
California

1
Texas

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Valley Credit Service, Inc. (OR): 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: 35.

4 peers

Know your rights before responding to Valley Credit Service, Inc. (OR): 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.