What is the most common complaint against Valor Intelligent Processing, LLC?

The most common issue consumers report about Valor Intelligent Processing, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 343 complaints filed with the CFPB.

Are complaints against Valor Intelligent Processing, LLC increasing or decreasing?

Complaints against Valor Intelligent Processing, LLC are rising. The company received 150 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Valor Intelligent Processing, LLC's reputation grade?

Valor Intelligent Processing, LLC has a reputation grade of F (score: 44.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Valor Intelligent Processing, LLC respond to consumer complaints?

Valor Intelligent Processing, LLC has a 91% timely response rate to CFPB complaints.

In how many states does Valor Intelligent Processing, LLC operate?

Valor Intelligent Processing, LLC has received CFPB complaints from consumers in 40 states, with the most complaints from Texas (54 complaints).

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

Valor Intelligent Processing, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 40 states, reputation grade F.

Compiled by PlainCollector

Attempts to collect debt not owed

155
Written notification about debt

50
Communication tactics

42
False statements or representation

33
Took or threatened to take negative or legal action

32
Electronic communications

22

Data updated September 2026

CFPB complaint disposition

CCDB record valor-intelligent-processing-llc Valor Intelligent Processing, LLC

Grade F · 343 CFPB filings · 91% timely · lead issue: Attempts to collect debt not owed · vol #361 · compose #4764

VOL 343
GRADE F
12MO 150
STATES 40
TIMELY 91%
ISSUE Attempts to collect debt n…
RANK #361
COMPOSE #4,764

Volume peers

Nearest volume peer: Alliant Capital Management LLC (343 complaints)

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

Valor Intelligent Processing, LLC's 343 CFPB complaints sit next to Alliant Capital Management LLC 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

Texas is the plurality state for Valor Intelligent Processing, LLC (15.7%)

Volume rank #361 and composite rank #4,764 diverge by 4,403 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Texas 15.7%; Mid-band (15–30%) · 40 states with ≥1 filing
Seasonal peak: 2025-02 8.6%; 8–15% band · 3 filings
Divergent corpus ranks: #361 volume; #4,764 composite; Cleanest-composite ladder is 4,403 places worse than volume

How does Valor Intelligent Processing, LLC compare to its peers?

How does Valor Intelligent Processing, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Valor Intelligent Proc… National average

Complaints (last 12 mo)lower is better

150

268

Timely-response ratehigher is better

91%

100%

91%

Consumer-dispute ratelower is better

22%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2022-03 2025-12

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	155
Written notification about debt	50
Communication tactics	42
False statements or representation	33
Took or threatened to take negative or legal action	32
Electronic communications	22
Threatened to contact someone or share information improperly	9

Where do complaints against Valor Intelligent Processing, LLC come from?

Valor Intelligent Processing, LLC's own per-state count, not a national baseline.

Texas

54
Florida

49
Georgia

29
Illinois

27
Michigan

16
California

15
Colorado

12
Tennessee

12

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Valor Intelligent Processing, LLC: 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: 343.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 90.9090909090909%.

4 peers

Know your rights before responding to Valor Intelligent Processing, LLC: 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.