CFPB Consumer Complaint Profile
Valentine and Kebartas, Inc.
206 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 206
- Total complaints
- Above average
- 0
- Last 12 months
- 100%
- Timely response
- Top decile
- 37
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Valentine and Kebartas, Inc. has accumulated 206 complaints, placing it #911 by volume. On-time replies land at 100%, the 86th percentile for the 100+ complaint peer group.
- #911
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Debt collection
- most-complained product
- 37
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Valentine and Kebartas, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 13 in 2024 to 1 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
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)
Company Responses
What the CFPB Complaint Record Shows for Valentine and Kebartas, Inc.
Valentine and Kebartas, Inc. carries 206 complaints in the CFPB's database, 0 of them filed within the past 12 months. Consumers spanning 37 states and territories have weighed in, giving this a multi-regional footprint. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. The specific issue named most within that category is "Communication tactics," a reasonable starting point for understanding recurring friction.
Valentine and Kebartas, Inc.'s timely response rate stands at 100%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. The company's response carried a 43.8% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 0.5% closed with some form of monetary or non-monetary relief to the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Valentine and Kebartas, Inc. have?
206 complaints have been filed against Valentine and Kebartas, Inc. with the CFPB overall - 0 of them in the past year.
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.
What product generates the most complaints for Valentine and Kebartas, Inc.?
Among all products tied to Valentine and Kebartas, Inc., "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Valentine and Kebartas, Inc.?
"Communication tactics" is the single most frequently cited issue in complaints against Valentine and Kebartas, Inc. - see all issues and counts above.
How do I file a complaint against Valentine and Kebartas, Inc.?
You can file a complaint against Valentine and Kebartas, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Valentine and Kebartas, Inc.?
The CFPB has recorded complaints against Valentine and Kebartas, Inc. from 37 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Valentine and Kebartas, Inc.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (43.8% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.