CFPB · Single-product concentration
Valley Credit Service, Inc. (OR)
38 CFPB complaints · 92.1% in "Debt collection" · top issue Written notification about debt.
Valley Credit Service, Inc. (OR): 92.1% of 38 CFPB complaints sit in "Debt collection". Timely 55.3% · relief 15.8%. Allegations, not findings.
- Single-product concentration
- +400% filings 2013 to 2025
CFPB relief outcome brief
CCDB company valley-credit-service-inc-or
15.8% relief · 55.3% timely · 38 filings · Debt collection
Same-product relief peers
Nearest relief peer: Continental Services Group, Inc. d/b/a ConServe (15.8% relief)
Valley Credit Service, Inc. (OR) closes 15.8% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Valley Credit Service, Inc. (OR)'s 38 filings include narrative text
47.4% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
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 |
Concentrated filing states for Valley Credit Service, Inc. (OR)
Top states by attributed CFPB complaint volume for this company
- Leading state
- OR
- 81.6% of this company's filings
Valley Credit Service, Inc. (OR) rising annual filings
Annual filing volume from the CFPB public database
- 2025
- 5
- +400% vs 2013
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
Valley Credit Service, Inc. (OR) filings cluster in one product
Valley Credit Service, Inc. (OR)'s 38 logged complaints stay concentrated: only 5 states show a filing. 47.4% of filings carry a written consumer narrative, 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).
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Valley Credit Service, Inc. (OR): 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: 38.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 55.3%.
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 Credit Service, Inc. (OR) (55.3% timely; 15.8% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration