Valley Credit Service, Inc. (OR)
38 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.
Valley Credit Service, Inc. (OR) complaint mix by product
- Debt collection 35 92.1% – 17% relief
- Credit reporting, 3 7.9% – 0% relief
How Valley Credit Service, Inc. (OR)'s 38 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 35 |
| Credit reporting, credit repair services, or other personal consumer reports | 3 |
Top States
| State | Complaints |
|---|---|
| OR | 31 |
| WA | 4 |
| TX | 1 |
| CA | 1 |
| FL | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Written notification about debt | 6 |
| Attempts to collect debt not owed | 6 |
| Disclosure verification of debt | 6 |
| False statements or representation | 5 |
| Took or threatened to take negative or legal action | 3 |
| Cont'd attempts collect debt not owed | 3 |
| Threatened to contact someone or share information improperly | 2 |
| Communication tactics | 2 |
| Incorrect information on your report | 2 |
| Electronic communications | 1 |
| Improper contact or sharing of info | 1 |
| Problem with a credit reporting company's investigation into an existing problem | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 1 | 0% |
| 2014 | 2 | 0% |
| 2015 | 3 | 0% |
| 2016 | 3 | 0% |
| 2017 | 5 | 60% |
| 2018 | 1 | 0% |
| 2019 | 1 | 100% |
| 2020 | 4 | 50% |
| 2021 | 5 | 40% |
| 2022 | 1 | 100% |
| 2023 | 2 | 100% |
| 2024 | 5 | 100% |
| 2025 | 5 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Valley Credit Service, Inc. (OR)
Valley Credit Service, Inc. (OR)'s 38 logged complaints stay concentrated: only 5 states show a filing on record. 47.4% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - an unusually well-documented record. Records run from 2013 through 2025-09-18.
Valley Credit Service, Inc. (OR) answers 55.3% of complaints inside the CFPB's tracked window and closes 81.6% with a written explanation. 15.8% 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 "Written notification about debt."
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 Credit Service, Inc. (OR).
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 Valley Credit Service, Inc. (OR) have?
38, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Valley Credit Service, Inc. (OR) respond to complaints on time?
55.3% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Valley Credit Service, Inc. (OR)?
"Written notification about debt", 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.