Total CFPB complaints
197
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 197 complaints
Vital Solutions, Inc. — 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 Vital Solutions, Inc.
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
65 complaints
- Communication tactics
Communication tactics
47 complaints
- Attempts to collect debt not owed 18
Attempts to collect debt not owed
18 complaints
- Improper contact or sharing of info 13
Improper contact or sharing of info
13 complaints
- False statements or representation 12
False statements or representation
12 complaints
- Written notification about debt 11
Written notification about debt
11 complaints
C
Grade C · 60.0/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Vital Solutions, Inc.?
Vital Solutions, Inc. has accumulated 197 total CFPB complaints across 38 states, with 0 filed in the most recent 12 months against 197 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 93% timely-response rate against a 6% consumer-dispute-after-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 California with 26 and Florida with 23, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 60.0/100 places Vital Solutions, Inc. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
38
Distinct state filings
Timely response rate
93%
Within CFPB SLA window
Consumer disputes
6%
After company response
Reputation grade
C
60.0/100 composite
Response-quality profile
How Vital Solutions, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 93.4%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 12.5%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 67.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Vital Solutions, Inc. compare to its peers?
Vital Solutions, Inc. 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)
2019-02 2022-07
Top Consumer Issues
Cont'd attempts collect debt not owed65 (%)
Communication tactics47 (%)
False statements or representation12 (%)
Written notification about debt11 (%)
Attempts to collect debt not owed18 (%)
Improper contact or sharing of info13 (%)
Disclosure verification of debt8 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
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 |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 50 |
| Communication tactics | Frequent or repeated calls | 47 |
| Cont'd attempts collect debt not owed | Debt was paid | 15 |
| False statements or representation | Attempted to collect wrong amount | 12 |
| Written notification about debt | Didn't receive enough information to verify debt | 11 |
| Attempts to collect debt not owed | Debt is not yours | 9 |
| Attempts to collect debt not owed | Debt was paid | 9 |
| Improper contact or sharing of info | Contacted me after I asked not to | 8 |
| Disclosure verification of debt | Not given enough info to verify debt | 8 |
| Improper contact or sharing of info | Talked to a third party about my debt | 5 |
Where do complaints against Vital Solutions, Inc. come from?
The states where consumers have filed the most CFPB complaints against Vital Solutions, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Vital Solutions, Inc.
Across 38 states with at least one filing
- California
California
26 complaints
- Florida
Florida
23 complaints
- New York
New York
20 complaints
- Texas
Texas
19 complaints
- New Jersey 10
New Jersey
10 complaints
- Virginia 7
Virginia
7 complaints
- Washington 7
Washington
7 complaints
- Illinois 7
Illinois
7 complaints
Frequently Asked Questions
What is the most common complaint against Vital Solutions, Inc.? ▼
The most common issue consumers report about Vital Solutions, Inc. is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 197 complaints filed with the CFPB.
Are complaints against Vital Solutions, Inc. increasing or decreasing? ▼
Complaints against Vital Solutions, Inc. have been stable. The company received 0 complaints in the last 12 months.
What is Vital Solutions, Inc.'s reputation grade? ▼
Vital Solutions, Inc. has a reputation grade of C (score: 60.0/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Vital Solutions, Inc. respond to consumer complaints? ▼
Vital Solutions, Inc. has a 93% timely response rate to CFPB complaints. Consumers disputed the company's response in 6% of cases.
In how many states does Vital Solutions, Inc. operate? ▼
Vital Solutions, Inc. has received CFPB complaints from consumers in 38 states, with the most complaints from California (26 complaints).
What can I do if Vital Solutions, Inc. 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 Vital Solutions, Inc. 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 |