Vital Solutions, Inc.
Sourced from the CFPB Consumer Complaint Database.
Debt Collector, CFPB Complaint Profile Specializes in: Auto debt
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 | 21 |
| 2014 | 52 |
| 2015 | 21 |
| 2016 | 34 |
| 2017 | 23 |
| 2018 | 17 |
| 2019 | 18 |
| 2020 | 14 |
| 2021 | 9 |
| 2022 | 4 |
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 Vital Solutions, Inc.
The CFPB has logged 197 debt-collection complaints against Vital Solutions, Inc., 92.5% of the 213 complaints filed against this entity overall. Consumers in 39 states and territories have filed reports, putting this collection operation in multi-state territory by complaint volume. "Auto debt" is the debt type named most often in complaints against this collector, the category consumers reach for most when filing a CFPB report. "Cont'd attempts collect debt not owed" comes up most often as the specific issue cited - worth a look for anyone trying to spot this collector's recurring pain point.
The company's timely response rate is 91.5%, meaning that share of CFPB-forwarded complaints received a reply within the 15-day window the Bureau expects. That sits below the 95% industry benchmark, which historically correlates with higher downstream dispute rates. Among resolved cases, 0.5% ended with monetary or non-monetary relief to the consumer - a notably low rate worth weighing against the dispute percentage. In 7.3% of resolved cases, the consumer formally disputed the response - a rough measure of how often the first resolution missed the mark.
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 Vital Solutions, Inc. have?
Vital Solutions, Inc. has 197 debt collection complaints filed with the CFPB, representing 92.5% of all complaints against this company.
Does Vital Solutions, Inc. respond to complaints on time?
Vital Solutions, Inc.'s CFPB timely-response rate is 91.5%.
Does Vital Solutions, Inc. provide relief to consumers?
Of resolved complaints against Vital Solutions, Inc., 0.5% ended with consumer relief of some kind.
What type of debt does Vital Solutions, Inc. primarily collect?
Based on CFPB complaint records, Vital Solutions, Inc.'s primary debt type is "Auto debt"; the complete breakdown is shown above.
What rights do I have against Vital Solutions, 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 Vital Solutions, Inc. active?
CFPB data shows consumer complaints against Vital Solutions, Inc. from 39 states and territories.
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.