Valentine and Kebartas, Inc.
206 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Valentine and Kebartas, Inc.
Valentine and Kebartas, Inc.'s 206 logged complaints stay concentrated: only 37 states show a filing on record. Only 37.9% of filings carry a written consumer narrative, so most of this record is coded categories rather than the 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..
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.
Frequently Asked Questions
How many CFPB complaints does Valentine and Kebartas, Inc. have?
206, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Valentine and Kebartas, Inc. respond to complaints on time?
100% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Valentine and Kebartas, Inc.?
"Communication tactics", filed under the "Debt collection" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.