Debt collector · complaint record
Valley Credit Service complaints
Filed under Valley Credit Service, Inc. (OR)
Consumers have filed 38 complaints about Valley Credit Service since 2013, none in the last 12 months. It answered 55.3% on time and closed 16% with relief for the customer. The most common problem is attempts to collect debt not owed.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 38
- Last 12 months
- 0
- Answered on time
- 55.3%
- Closed with relief
- 16%
- Last 30 days
- 0
- Rank
- -
Since December 2013
new vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Sep 18, 2025
Valley Credit Service complaints by month
The busiest month was February 2020 (3 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Valley Credit Service answered all time
- Closed with monetary relief25.3%
- Closed with non-monetary relief410.5%
- Closed with explanation3181.6%
- Closed12.6%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Valley Credit Service complaints are about
Top Valley Credit Service problems
Inside "Attempts to collect debt not owed"
- Debt is not yours 3
- Debt was paid 2
- Debt was already discharged in bankruptcy and is no longer owed 1
Where Valley Credit Service complaints come from
Most complaints: Oregon (31), Washington (4), Texas (1), California (1), Florida (1).
Valley Credit Service compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Green SquareDebt collection | 10 | 25 | F |
| 2 | EMoneyUSADebt collection | 53 | 25 | C |
| 3 | Mullooly Jeffrey Rooney & FlynnDebt collection | 56 | 25 | C |
| 4 | Credit World ServicesDebt collection | 47 | 25 | D |
| 5 | Keynote ConsultingDebt collection | 10 | 25 | F |
| 6 | Augusta Collection AgencyDebt collection | 10 | 25 | F |
| 7 | Advance Bureau of CollectionsDebt collection | 19 | 25 | F |
| 8 | Valley Credit ServiceDebt collection | - | 0 | - |
Compare side by side: Valley Credit Service vs Green Square · Valley Credit Service vs EMoneyUSA · Valley Credit Service vs Mullooly Jeffrey Rooney & Flynn · Valley Credit Service vs Credit World Services
What people say about Valley Credit Service
All experiencesNo experiences with Valley Credit Service yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Valley Credit Service complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Sep 18, 2025 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Sep 17, 2025 | Debt collection | Electronic communicationsYou told them to stop contacting you, but they keep trying | Explained |
| Sep 16, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| May 20, 2025 | Debt collection | Threatened to contact someone or share information improperlyContacted your employer | Explained |
| Jan 27, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 15, 2024 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jun 10, 2024 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Mar 21, 2024 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Mar 3, 2024 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jan 23, 2024 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Dec 1, 2023 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Apr 30, 2023 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
Questions about Valley Credit Service
How many complaints does Valley Credit Service have?
Valley Credit Service has 38 complaints on record since December 2013, including 0 in the last 12 months and 0 in the last 30 days.
Does Valley Credit Service respond to complaints?
Yes. Valley Credit Service answered 55.3% of its complaints on time (within 15 days) and closed 16% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with Valley Credit Service?
The most common problems are attempts to collect debt not owed (6), written notification about debt (6), disclosure verification of debt (6).
Is Valley Credit Service legit?
Valley Credit Service is a real company with a public complaint record: consumers have complained about it 38 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Valley Credit Service legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Valley Credit Service?
Complain to Valley Credit Service in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Valley Credit Service complaints come from?
Most come from Oregon (31), Washington (4), Texas (1). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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