Total CFPB complaints
286
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 286 complaints
Valor Intelligent Processing, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 38 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Valor Intelligent Processing, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
126 complaints
- Written notification about debt 37
Written notification about debt
37 complaints
- Communication tactics 32
Communication tactics
32 complaints
- False statements or representation 25
False statements or representation
25 complaints
- Electronic communications 16
Electronic communications
16 complaints
- Took or threatened to take negative or legal action 16
Took or threatened to take negative or legal action
16 complaints
F
Grade F · 47.2/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Valor Intelligent Processing, LLC?
Valor Intelligent Processing, LLC has accumulated 286 total CFPB complaints across 38 states, with 106 filed in the most recent 12 months against 180 historical complaints before that window. The trailing-12-month volume represents 37.1% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 91% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 38 states, led by Texas with 44 and Florida with 37, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 47.2/100 places Valor Intelligent Processing, LLC in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
106
37.1% of total history
Rising ↑
States active
38
Distinct state filings
Timely response rate
91%
Within CFPB SLA window
Reputation grade
F
47.2/100 composite
Response-quality profile
How Valor Intelligent Processing, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 90.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 67.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Valor Intelligent Processing, LLC compare to its peers?
Valor Intelligent Proc… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed126 (%)
False statements or representation25 (%)
Written notification about debt37 (%)
Communication tactics32 (%)
Electronic communications16 (%)
Took or threatened to take negative or legal action16 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 61 |
| Attempts to collect debt not owed | Debt was paid | 35 |
| Attempts to collect debt not owed | Debt was result of identity theft | 30 |
| False statements or representation | Attempted to collect wrong amount | 25 |
| Written notification about debt | Didn't receive enough information to verify debt | 25 |
| Communication tactics | Frequent or repeated calls | 23 |
| Electronic communications | Frequent or repeated messages | 16 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 16 |
| Written notification about debt | Didn't receive notice of right to dispute | 12 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 9 |
Where do complaints against Valor Intelligent Processing, LLC come from?
The states where consumers have filed the most CFPB complaints against Valor Intelligent Processing, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Valor Intelligent Processing, LLC
Across 38 states with at least one filing
- Texas
Texas
44 complaints
- Florida
Florida
37 complaints
- Georgia
Georgia
28 complaints
- Illinois
Illinois
21 complaints
- California 15
California
15 complaints
- Michigan 15
Michigan
15 complaints
- Tennessee 12
Tennessee
12 complaints
- Ohio 11
Ohio
11 complaints
Frequently Asked Questions
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 286 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 106 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: 47.2/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 38 states, with the most complaints from Texas (44 complaints).
What can I do if Valor Intelligent Processing, LLC is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Valor Intelligent Processing, LLC violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |