What is the most common complaint against Valley Credit Services, Inc. (WI)?

The most common issue consumers report about Valley Credit Services, Inc. (WI) is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 16 complaints filed with the CFPB.

Are complaints against Valley Credit Services, Inc. (WI) increasing or decreasing?

Complaints against Valley Credit Services, Inc. (WI) are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Valley Credit Services, Inc. (WI)'s reputation grade?

Valley Credit Services, Inc. (WI) has a reputation grade of F (score: 35.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Valley Credit Services, Inc. (WI) respond to consumer complaints?

Valley Credit Services, Inc. (WI) has a 0% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Valley Credit Services, Inc. (WI) operate?

Valley Credit Services, Inc. (WI) has received CFPB complaints from consumers in 8 states, with the most complaints from Maryland (4 complaints).

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

Valley Credit Services, Inc. (WI) - Debt Collector Complaint Profile

CFPB complaint profile across 8 states, reputation grade F.

Compiled by PlainCollector

Attempts to collect debt not owed

7
Took or threatened to take negative or legal action

2
False statements or representation

2
Improper contact or sharing of info

2
Communication tactics

1
Cont'd attempts collect debt not owed

1

Data updated September 2026

CFPB complaint disposition

CCDB record valley-credit-services-inc-wi Valley Credit Services, Inc. (WI)

Grade F · 16 CFPB filings · 0% timely · lead issue: Attempts to collect debt not owed · vol #2112 · compose #5087

VOL 16
GRADE F
12MO 0
STATES 8
TIMELY 0%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #2,112
COMPOSE #5,087

Volume peers

Nearest volume peer: Absolute Collections Corp. (16 complaints)

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

Valley Credit Services, Inc. (WI)'s 16 CFPB complaints sit next to Absolute Collections Corp. 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 →

Filing geometry

Maryland is the plurality state for Valley Credit Services, Inc. (WI) (25.0%)

Volume rank #2,112 and composite rank #5,087 diverge by 2,975 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Maryland 25.0%; Mid-band (15–30%) · 8 states with ≥1 filing
Seasonal peak: 2014-08 10.3%; 8–15% band · 3 filings
Divergent corpus ranks: #2,112 volume; #5,087 composite; Cleanest-composite ladder is 2,975 places worse than volume

How does Valley Credit Services, Inc. (WI) compare to its peers?

How does VALLEY CREDIT SERVICES, INC. (WI) 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 SERVICES… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-03 2023-01

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	7
Took or threatened to take negative or legal action	2
False statements or representation	2
Improper contact or sharing of info	2
Communication tactics	1
Cont'd attempts collect debt not owed	1
Disclosure verification of debt	1

Where do complaints against Valley Credit Services, Inc. (WI) come from?

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

Maryland

4
Florida

3
Virginia

3
Oregon

2
California

1
Colorado

1
North Carolina

1
Wisconsin

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Valley Credit Services, Inc. (WI): 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: 16.

4 peers

Know your rights before responding to Valley Credit Services, Inc. (WI): 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.