Debt collection
Valley Credit Service debt collection complaints
Consumers have filed 35 complaints about Valley Credit Service's debt collection. See the whole Valley Credit Service record.
Valley Credit Service against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Valley Credit Service | 0 | - | - |
Latest Valley Credit Service debt collection complaints
| 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 |
| Mar 15, 2022 | Debt collection | False statements or representationTold you not to respond to a lawsuit they filed against you | Explained |
| Sep 23, 2021 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Apr 13, 2021 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Apr 9, 2021 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Feb 26, 2021 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Feb 27, 2020 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Feb 13, 2020 | Debt collection | False statements or representationIndicated you were committing crime by not paying debt | Explained |
| Jul 30, 2019 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Jan 13, 2018 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Money back |
| Aug 27, 2017 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| Aug 13, 2017 | Debt collection | Communication tacticsFrequent or repeated calls | Fixed |
| May 22, 2017 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Mar 22, 2017 | Debt collection | Cont'd attempts collect debt not owedDebt was paid | Closed |
| Jan 26, 2017 | Debt collection | Disclosure verification of debtNot disclosed as an attempt to collect | Explained |
| Oct 11, 2016 | Debt collection | Disclosure verification of debtNot given enough info to verify debt | Money back |
| May 27, 2016 | Debt collection | Improper contact or sharing of infoTalked to a third party about my debt | Explained |
| Feb 24, 2016 | Debt collection | Communication tacticsThreatened to take legal action | Explained |
| Dec 21, 2015 | Debt collection | Cont'd attempts collect debt not owedDebt is not mine | Fixed |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
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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