Debt collector · complaint record
Valley Credit Services complaints
Filed under VALLEY CREDIT SERVICES, INC. (WI)
Consumers have filed 17 complaints about Valley Credit Services since 2015, none in the last 12 months. It answered 0% on time and closed 0% 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
- 17
- Last 12 months
- 0
- Answered on time
- 0%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- -
Since October 2015
new vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Sep 2, 2020
Valley Credit Services complaints by month
The busiest month was January 2019 (2 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Valley Credit Services answered all time
- Closed with explanation15.9%
- Untimely response1694.1%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Valley Credit Services complaints are about
Top Valley Credit Services problems
Inside "Attempts to collect debt not owed"
- Debt is not yours 4
- Debt was paid 2
- Debt was result of identity theft 1
Where Valley Credit Services complaints come from
Most complaints: Maryland (4), Virginia (3), Florida (3), Oregon (2), Texas (1).
Valley Credit Services 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 ServicesDebt collection | - | 0 | - |
Compare side by side: Valley Credit Services vs Green Square · Valley Credit Services vs EMoneyUSA · Valley Credit Services vs Mullooly Jeffrey Rooney & Flynn · Valley Credit Services vs Credit World Services
What people say about Valley Credit Services
All experiencesNo experiences with Valley Credit Services yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Valley Credit Services complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Sep 2, 2020 | Debt collection | Attempts to collect debt not owedDebt was paid | No timely reply |
| Sep 2, 2020 | Debt collection | Attempts to collect debt not owedDebt was paid | No timely reply |
| Apr 15, 2019 | Credit reporting | Incorrect information on your reportAccount status incorrect | No timely reply |
| Mar 28, 2019 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | No timely reply |
| Jan 17, 2019 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Jan 10, 2019 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| Dec 18, 2018 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Aug 20, 2018 | Debt collection | Took or threatened to take negative or legal actionCollected or attempted to collect exempt funds | No timely reply |
| Dec 18, 2017 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Aug 1, 2017 | Debt collection | False statements or representationAttempted to collect wrong amount | No timely reply |
| May 10, 2017 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Mar 26, 2017 | Debt collection | Improper contact or sharing of infoTalked to a third party about my debt | No timely reply |
Questions about Valley Credit Services
How many complaints does Valley Credit Services have?
Valley Credit Services has 17 complaints on record since October 2015, including 0 in the last 12 months and 0 in the last 30 days.
Does Valley Credit Services respond to complaints?
Yes. Valley Credit Services answered 0% of its complaints on time (within 15 days) and closed 0% 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 Services?
The most common problems are attempts to collect debt not owed (7), took or threatened to take negative or legal action (2), false statements or representation (2).
Is Valley Credit Services legit?
Valley Credit Services is a real company with a public complaint record: consumers have complained about it 17 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Valley Credit Services legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Valley Credit Services?
Complain to Valley Credit Services 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 Services complaints come from?
Most come from Maryland (4), Virginia (3), Florida (3). 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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