CFPB · Single-product concentration
Valley Credit Services, Inc. (Wi)
17 CFPB complaints · 94.1% in "Debt collection" · top issue Attempts to collect debt not owed.
Valley Credit Services, Inc. (Wi): 94.1% of 17 CFPB complaints sit in "Debt collection". Timely 0% · relief 0%. Allegations, not findings.
- Single-product concentration
- +100% filings 2015 to 2020
CFPB relief outcome brief
CCDB company valley-credit-services-inc-wi
0% relief · 0% timely · 17 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
Valley Credit Services, Inc. (Wi) closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Valley Credit Services, Inc. (Wi)'s 17 filings include narrative text
52.9% 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 Services, Inc. (Wi) complaint mix by product
- Debt collection 16 94.1% – 0% relief
- Credit reporting, 1 5.9% – 0% relief
How Valley Credit Services, Inc. (Wi)'s 17 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 16 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
Where Valley Credit Services, Inc. (Wi) complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- MD
- 23.5% of this company's filings
Valley Credit Services, Inc. (Wi) rising annual filings
Annual filing volume from the CFPB public database
- 2020
- 2
- +100% vs 2015
Top States
| State | Complaints |
|---|---|
| MD | 4 |
| VA | 3 |
| FL | 3 |
| OR | 2 |
| NC | 1 |
| CA | 1 |
| WI | 1 |
| CO | 1 |
| TX | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 7 |
| Improper contact or sharing of info | 2 |
| False statements or representation | 2 |
| Took or threatened to take negative or legal action | 2 |
| Communication tactics | 1 |
| Cont'd attempts collect debt not owed | 1 |
| Disclosure verification of debt | 1 |
| Incorrect information on your report | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2015 | 1 | 0% |
| 2016 | 3 | 0% |
| 2017 | 5 | 0% |
| 2018 | 2 | 0% |
| 2019 | 4 | 0% |
| 2020 | 2 | 0% |
Source: CFPB Consumer Complaint Database
Valley Credit Services, Inc. (Wi) filings cluster in one product
Valley Credit Services, Inc. (Wi)'s 17 logged complaints stay concentrated: only 9 states show a filing. 52.9% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2015 through 2020-09-02.
Valley Credit Services, Inc. (Wi) answers 0% of complaints inside the CFPB's tracked window and closes 5.9% with a written explanation. 0% 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 Credit Services, Inc. (Wi).
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Valley Credit Services, Inc. (Wi): 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: 17.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 0%.
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 Services, Inc. (Wi) (0% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration