CFPB · Single-product concentration
Valentine and Kebartas, Inc.
206 CFPB complaints · 78.6% in "Debt collection" · top issue Communication tactics.
Valentine and Kebartas, Inc.: 78.6% of 206 CFPB complaints sit in "Debt collection". Timely 100% · relief 0.5%. Allegations, not findings.
- Single-product concentration
- -80% filings 2013 to 2025
CFPB relief outcome brief
CCDB company valentine-and-kebartas-inc
0.5% relief · 100% timely · 206 filings · Debt collection
Same-product relief peers
Nearest relief peer: Enova International, Inc. (0.5% relief)
Valentine and Kebartas, Inc. closes 0.5% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 206 complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Valentine and Kebartas, Inc. complaint mix by product
- Debt collection 162 78.6% – 1% relief
- Student loan 39 18.9% – 0% relief
- Credit reporting, 4 1.9% – 0% relief
- Credit card 1 0.5% – 0% relief
How Valentine and Kebartas, Inc.'s 206 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 162 |
| Student loan | 39 |
| Credit reporting, credit repair services, or other personal consumer reports | 4 |
| Credit card | 1 |
Where Valentine and Kebartas, Inc. complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- IN
- 17.5% of this company's filings
Valentine and Kebartas, Inc. falling annual filings
Annual filing volume from the CFPB public database
- 2025
- 1
- -80% vs 2013
Top States
| State | Complaints |
|---|---|
| IN | 36 |
| CA | 23 |
| NY | 22 |
| FL | 16 |
| TX | 12 |
| OH | 9 |
| PA | 9 |
| IL | 6 |
| LA | 5 |
| WA | 5 |
| MI | 4 |
| MD | 4 |
| AZ | 4 |
| GA | 4 |
| OR | 3 |
| SC | 3 |
| WI | 3 |
| VA | 3 |
| TN | 3 |
| NC | 3 |
Top Issues
| Issue | Complaints |
|---|---|
| Communication tactics | 48 |
| Dealing with my lender or servicer | 36 |
| Cont'd attempts collect debt not owed | 34 |
| Attempts to collect debt not owed | 17 |
| Written notification about debt | 12 |
| False statements or representation | 12 |
| Took or threatened to take negative or legal action | 11 |
| Threatened to contact someone or share information improperly | 9 |
| Electronic communications | 6 |
| Disclosure verification of debt | 6 |
| Improper contact or sharing of info | 6 |
| Incorrect information on your report | 4 |
| Problem with a purchase shown on your statement | 1 |
| Taking/threatening an illegal action | 1 |
| Improper use of your report | 1 |
| Dealing with your lender or servicer | 1 |
| Struggling to repay your loan | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 5 | 100% |
| 2014 | 19 | 100% |
| 2015 | 16 | 100% |
| 2016 | 36 | 100% |
| 2017 | 39 | 100% |
| 2018 | 12 | 100% |
| 2019 | 15 | 100% |
| 2020 | 15 | 100% |
| 2021 | 14 | 100% |
| 2022 | 8 | 100% |
| 2023 | 13 | 100% |
| 2024 | 13 | 100% |
| 2025 | 1 | 100% |
Source: CFPB Consumer Complaint Database
Valentine and Kebartas, Inc. filings cluster in one product
Valentine and Kebartas, Inc.'s 206 logged complaints stay concentrated: only 37 states show a filing. Only 37.9% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2013 through 2025-02-25.
Valentine and Kebartas, Inc. answers 100% of complaints inside the CFPB's tracked window and closes 99.5% with a written explanation. 0.5% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Communication tactics."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Valentine and Kebartas, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Valentine and Kebartas, Inc.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 206.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Valentine and Kebartas, Inc. (100% timely; 0.5% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration