Valentine and Kebartas, Inc.
A federal complaint-record lookup, not a rating from us.
Debt Collector, CFPB Complaint Profile Specializes in: Other (i.e. phone, health club, etc.)
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Most consumers facing collection complaints carry utilization in the Fair-Poor band. FICO bands per myFICO + Experian guidance.
FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 5 |
| 2014 | 19 |
| 2015 | 16 |
| 2016 | 36 |
| 2017 | 39 |
| 2018 | 12 |
| 2019 | 15 |
| 2020 | 15 |
| 2021 | 14 |
| 2022 | 8 |
| 2023 | 13 |
| 2024 | 13 |
| 2025 | 1 |
Complaints by State (Top 15)
Other Complaint Types
Your Rights with Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, unfair, and deceptive collection practices.
- Request written verification of any debt within 30 days of first contact
- Dispute a debt if you believe it is incorrect or does not belong to you
- Demand the collector stop contacting you (in writing)
- File a complaint with the CFPB at consumerfinance.gov/complaint
What the CFPB Record Shows for Valentine and Kebartas, Inc.
The CFPB has logged 162 debt-collection complaints against Valentine and Kebartas, Inc., 78.6% of the 206 complaints filed against this entity overall. Consumers in 37 states and territories have filed reports, putting this collection operation in multi-state territory by complaint volume. Consumers most frequently describe "Other (i.e. phone, health club, etc.)" as the debt type behind their complaint about this collector. The specific issue named most is "Communication tactics," a reasonable starting point for understanding recurring friction with this collector.
The company's timely response rate is 100%, meaning that share of CFPB-forwarded complaints received a reply within the 15-day window the Bureau expects. That figure meets the industry benchmark and indicates an intake process that is functioning on schedule. Of resolved cases, 0.5% closed with monetary or non-monetary relief to the consumer, which is a notably low relief ratio and worth weighing against the disputed-response percentage. The response was formally disputed in 43.8% of resolved cases, indicating how frequently the initial fix fell short.
How to read these numbers, and what to do if you're disputing a charge
Complaint volume alone does not prove wrongdoing, larger collection portfolios naturally produce more complaints, but the combination of timely-response rate, relief ratio, and dispute rate above gives a reasonable empirical picture of how this collector handles consumer interactions. Anyone in active dispute with this company should keep written records, use certified mail for verification requests (see your FDCPA rights above), and consider filing a CFPB complaint if standard resolution channels stall.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Frequently Asked Questions
How many debt collection complaints does Valentine and Kebartas, Inc. have?
162 debt-collection complaints against Valentine and Kebartas, Inc. appear in the CFPB record - 78.6% of the company's total complaint volume.
Does Valentine and Kebartas, Inc. respond to complaints on time?
Valentine and Kebartas, Inc.'s CFPB timely-response rate is 100%. This is considered excellent.
Does Valentine and Kebartas, Inc. provide relief to consumers?
Valentine and Kebartas, Inc. closed 0.5% of resolved complaints with some form of consumer relief, monetary or non-monetary.
What type of debt does Valentine and Kebartas, Inc. primarily collect?
"Other (i.e. phone, health club, etc.)" is the debt type Valentine and Kebartas, Inc. is most associated with in CFPB complaint data - see the full breakdown above.
What rights do I have against Valentine and Kebartas, Inc.?
Under the Fair Debt Collection Practices Act (FDCPA), you can request written debt verification within 30 days, dispute debts you believe are incorrect, demand the collector stop contacting you in writing, and file a complaint with the CFPB at consumerfinance.gov/complaint.
In how many states is Valentine and Kebartas, Inc. active?
Consumers in 37 states and territories have filed CFPB complaints against Valentine and Kebartas, Inc..
Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.