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

CFPB complaint data Grade F 35 complaints

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

CFPB complaint profile across 4 states, reputation grade F.

Complaints by issue type

What consumers report about Valley Credit Service, Inc. (OR)

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 50.9/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: Valley Credit Service, Inc. (OR) ranks ahead of 16% of the 5,283 collectors PlainCollector grades - 84% keep a cleaner CFPB record, on 35 all-time complaints and a 57% timely-response rate.

16th pct
reputation rank of 5,283 graded collectors
35
CFPB complaints, all-time
57%
answered inside the CFPB window
3
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Valley Credit Service, Inc. (OR)?

Valley Credit Service, Inc. (OR) has accumulated 35 total CFPB complaints across 4 states, with 3 filed in the most recent 12 months against 32 historical complaints before that window. The trailing-12-month volume represents 8.6% 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 "Attempts to collect debt not owed", narrowing to "Not given enough info to verify debt". The company posts a 57% timely-response rate against a 18% consumer-dispute-after-response rate.

Complaints have been recorded across 4 states, led by Oregon with 30 and Washington with 3. Normalized against the full CFPB collector database, the reputation score of 50.9/100 places Valley Credit Service, Inc. (OR) in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

35

low-volume (CCDB)

Last 12 months

3

8.6% of all-time complaints

Falling ↓

States active

4

limited footprint

Timely response rate

57%

below sla band

Consumer disputes

18%

average (vertical avg ~19%)

Reputation grade

F

50.9/100 composite

How does Valley Credit Service, Inc. (OR)'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

51 Bottom 16% higher than 16% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Valley Credit Service, Inc. (OR) versus the debt-collection vertical average.

Timely response within SLA 57.1%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 18.2%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 7.1%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
Valley Credit Service,… National average
Complaints (last 12 mo)lower is better
3
9
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 Sub-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.

Top states by complaints against Valley Credit Service, Inc. (OR)

Across 4 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Valley Credit Service, Inc. (OR) contacts you

A grade of F signals how Valley Credit Service, Inc. (OR)'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Valley Credit Service, Inc. (OR) and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Valley Credit Service, Inc. (OR) ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 50.9/100), 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).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.