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

CFPB complaint data Grade F 343 complaints

Valor Intelligent Processing, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 40 states, reputation grade F.

Complaints by issue type

What consumers report about Valor Intelligent Processing, LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 47.2/100 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: Valor Intelligent Processing, LLC ranks ahead of 10% of the 5,283 collectors PlainCollector grades - 90% keep a cleaner CFPB record, on 343 all-time complaints and a 91% timely-response rate.

10th pct
reputation rank of 5,283 graded collectors
343
CFPB complaints, all-time
91%
answered inside the CFPB window
150
in the last 12 months (rising)

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 Valor Intelligent Processing, LLC?

Valor Intelligent Processing, LLC has accumulated 343 total CFPB complaints across 40 states, with 150 filed in the most recent 12 months against 193 historical complaints before that window. The trailing-12-month volume represents 43.7% 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". The company posts a 91% timely-response rate.

Complaints have been recorded across 40 states, led by Texas with 54 and Florida with 49. Normalized against the full CFPB collector database, the reputation score of 47.2/100 places Valor Intelligent Processing, LLC in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

343

mid-volume (CCDB)

Last 12 months

150

43.7% of all-time complaints

Rising ↑

States active

40

multi-region footprint

Timely response rate

91%

good band

Reputation grade

F

47.2/100 composite

How does Valor Intelligent Processing, LLC's reputation rank nationally?

Reputation score vs. every graded collector

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

47 Bottom 10% higher than 10% 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

Valor Intelligent Processing, LLC versus the debt-collection vertical average.

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 71.4%

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

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, drawn from 10 collectors with a comparable complaint count
Valor Intelligent Proc… National average
Complaints (last 12 mo)lower is better
150
60
268
Timely-response ratehigher is better
91%
100%
91%
Consumer-dispute ratelower is better
0%
22%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2022-03 2025-12

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against Valor Intelligent Processing, LLC

Across 40 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Valor Intelligent Processing, LLC contacts you

A grade of F signals how Valor Intelligent Processing, LLC'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 Valor Intelligent Processing, LLC 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 Valor Intelligent Processing, LLC 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 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: 47.2/100), 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).

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.