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

CFPB complaint data Grade F 16 complaints

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

CFPB complaint profile across 8 states, reputation grade F.

Complaints by issue type

What consumers report about Valley Credit Services, Inc. (WI)

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 40.4/100 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 Services, Inc. (WI) ranks ahead of 4% of the 5,283 collectors PlainCollector grades - 96% keep a cleaner CFPB record, on 16 all-time complaints and a 0% timely-response rate.

4th pct
reputation rank of 5,283 graded collectors
16
CFPB complaints, all-time
0%
answered inside the CFPB window
0
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 Services, Inc. (WI)?

Valley Credit Services, Inc. (WI) has accumulated 16 total CFPB complaints across 8 states, with 0 filed in the most recent 12 months against 16 historical complaints before that window. The trailing-12-month volume represents 0.0% 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 "Debt is not yours". The company posts a 0% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 8 states, led by Maryland with 4 and Florida with 3. Normalized against the full CFPB collector database, the reputation score of 40.4/100 places Valley Credit Services, Inc. (WI) in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

16

low-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

8

regional footprint

Timely response rate

0%

below sla band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

F

40.4/100 composite

How does Valley Credit Services, Inc. (WI)'s reputation rank nationally?

Reputation score vs. every graded collector

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

40 Bottom 4% higher than 4% 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%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 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 Services, Inc. (WI) versus the debt-collection vertical average.

Timely response within SLA 0.0%
Vertical avg

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

Consumer dispute rate (post-response) 0.0%
Vertical avg

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

State coverage breadth 14.3%

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

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, drawn from 10 collectors with a comparable complaint count
VALLEY CREDIT SERVICES… National average
Complaints (last 12 mo)lower is better
0
3
268
Timely-response ratehigher is better
0%
100%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-03 2023-01

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against Valley Credit Services, Inc. (WI)

Across 8 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Valley Credit Services, Inc. (WI) contacts you

A grade of F signals how Valley Credit Services, Inc. (WI)'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 Services, Inc. (WI) 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 Services, Inc. (WI) 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 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: 40.4/100), 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).

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.