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Data / Consumer complaints / Valley Collection Service, LLC

Valley Collection Service, LLC: 57 CFPB consumer complaints in the last 3 years

Valley Collection Service, LLC drew 57 consumer complaints in the CFPB database in the three years to November 6, 2026, and 100 since 2014. The largest group, 46, was about debt collection, and the most common issue was “Attempts to collect debt not owed” with 22. The company responded on time to 100.0% of the complaints, and 36.8% closed with monetary or other relief.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

Watch this company's complaintsGet every debt collection companyGet debt collection in Arizona
  • 57Complaints, last 3 years
  • 100Complaints, all years
  • 100.0%Responded on time
  • 36.8%Closed with relief
  • 2Products
  • Oct 8, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 623
202522
202411
20239
20224
20215
20192
20188
20175
20164
20154
20143

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

ProductComplaintsShare
Debt collection4680.7%
Credit reporting or other personal consumer reports1119.3%

Issues

IssueComplaintsShare
Attempts to collect debt not owed2238.6%
Took or threatened to take negative or legal action1831.6%
Improper use of your report47%
Incorrect information on your report47%
False statements or representation35.3%
Problem with a company's investigation into an existing problem23.5%
Written notification about debt23.5%
Credit monitoring or identity theft protection services11.8%
Threatened to contact someone or share information improperly11.8%

How the company responded

Company responseComplaintsShare
Closed with explanation3663.2%
Closed with non-monetary relief2136.8%

States

StateComplaintsShare
Arizona3052.6%
Florida712.3%
Missouri58.8%
Alabama11.8%
Arkansas11.8%
Colorado11.8%
Georgia11.8%
Illinois11.8%
Indiana11.8%
Massachusetts11.8%
Minnesota11.8%
North Carolina11.8%
Ohio11.8%
Pennsylvania11.8%
Texas11.8%
Virginia11.8%
Washington11.8%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
October 8, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 8, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 7, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 5, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
September 2, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 14, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
July 22, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 10, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
July 10, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
July 7, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
June 18, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
June 15, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
June 12, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
June 3, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
May 23, 2026Credit reporting or other personal consumer reportsCredit monitoring or identity theft protection servicesClosed with explanationconsumerfinance.gov
May 1, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
April 15, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
April 3, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
March 16, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
March 10, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with non-monetary reliefconsumerfinance.gov
February 6, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
January 28, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with non-monetary reliefconsumerfinance.gov
January 27, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
December 20, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
December 16, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
December 13, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
December 10, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 27, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 16, 2025Debt collectionTook or threatened to take negative or legal actionClosed with non-monetary reliefconsumerfinance.gov
September 29, 2025Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
September 29, 2025Debt collectionTook or threatened to take negative or legal actionClosed with non-monetary reliefconsumerfinance.gov
September 29, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 26, 2025Debt collectionThreatened to contact someone or share information improperlyClosed with non-monetary reliefconsumerfinance.gov
September 16, 2025Debt collectionFalse statements or representationClosed with non-monetary reliefconsumerfinance.gov
September 9, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
August 20, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 12, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 8, 2025Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
May 29, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
May 19, 2025Debt collectionFalse statements or representationClosed with non-monetary reliefconsumerfinance.gov
May 9, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
April 25, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with non-monetary reliefconsumerfinance.gov
April 1, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with non-monetary reliefconsumerfinance.gov
February 12, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
January 3, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with non-monetary reliefconsumerfinance.gov
November 13, 2024Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
November 9, 2024Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
October 19, 2024Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
September 4, 2024Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
August 30, 2024Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.