CFPB · Single-product concentration
Valley Collection Service, LLC
91 CFPB complaints · 83.5% in "Debt collection" · top issue Attempts to collect debt not owed.
Valley Collection Service, LLC: 83.5% of 91 CFPB complaints sit in "Debt collection". Timely 100% · relief 30.8%. Allegations, not findings.
- Single-product concentration
- +366.7% filings 2014 to 2026
CFPB relief outcome brief
CCDB company valley-collection-service-llc
30.8% relief · 100% timely · 91 filings · Debt collection
Same-product relief peers
Nearest relief peer: Out Tech, Inc. (31.1% relief)
Valley Collection Service, LLC closes 30.8% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 91 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.
Valley Collection Service, LLC complaint mix by product
- Debt collection 76 83.5% – 26% relief
- Credit reporting 11 12.1% – 64% relief
- Credit reporting, 4 4.4% – 25% relief
How Valley Collection Service, LLC's 91 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 76 |
| Credit reporting or other personal consumer reports | 11 |
| Credit reporting, credit repair services, or other personal consumer reports | 4 |
Concentrated filing states for Valley Collection Service, LLC
Top states by attributed CFPB complaint volume for this company
- Leading state
- AZ
- 60.4% of this company's filings
Valley Collection Service, LLC rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 14
- +366.7% vs 2014
Top States
| State | Complaints |
|---|---|
| AZ | 55 |
| FL | 10 |
| MO | 6 |
| TX | 2 |
| PA | 1 |
| IL | 1 |
| NC | 1 |
| WA | 1 |
| GA | 1 |
| IN | 1 |
| MN | 1 |
| OH | 1 |
| AL | 1 |
| AR | 1 |
| SC | 1 |
| CT | 1 |
| CA | 1 |
| UT | 1 |
| MD | 1 |
| NV | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 26 |
| Took or threatened to take negative or legal action | 20 |
| Written notification about debt | 8 |
| Disclosure verification of debt | 8 |
| Incorrect information on your report | 7 |
| False statements or representation | 6 |
| Improper use of your report | 4 |
| Improper contact or sharing of info | 3 |
| Problem with a company's investigation into an existing problem | 2 |
| Threatened to contact someone or share information improperly | 2 |
| Communication tactics | 2 |
| Credit monitoring or identity theft protection services | 1 |
| Cont'd attempts collect debt not owed | 1 |
| Problem with a credit reporting company's investigation into an existing problem | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 3 | 100% |
| 2015 | 4 | 100% |
| 2016 | 4 | 100% |
| 2017 | 5 | 100% |
| 2018 | 8 | 100% |
| 2019 | 2 | 100% |
| 2021 | 5 | 100% |
| 2022 | 4 | 100% |
| 2023 | 9 | 100% |
| 2024 | 11 | 100% |
| 2025 | 22 | 100% |
| 2026 | 14 | 100% |
Source: CFPB Consumer Complaint Database
Valley Collection Service, LLC filings cluster in one product
Valley Collection Service, LLC's 91 logged complaints stay concentrated: only 21 states show a filing. Only 27.5% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2014 through 2026-06-24.
Valley Collection Service, LLC answers 100% of complaints inside the CFPB's tracked window and closes 67% with a written explanation. 30.8% 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 "Attempts to collect debt not owed."
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 Valley Collection Service, LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Valley Collection Service, LLC: 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: 91.
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 Valley Collection Service, LLC (100% timely; 30.8% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration