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 2026-05-15
- 206
- Total complaints
- 0
- Last 12 months
- 100%
- Timely response
- 37
- States affected
The verdict
Out of 3,848 financial companies in the CFPB database, Valentine and Kebartas, Inc. has accumulated 206 complaints, placing it #912 by volume. 100% of its complaints get an on-time reply, beating the 93% median for the 100+ complaint peer group.
- #912
- of 3,848 companies by volume
- 100%
- answered on time
- Debt collection
- most-complained product
- 37
- states with complaints
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 was formally disputed in 43.8% of resolved cases, indicating how frequently the initial fix fell short. Of complaints that were resolved, 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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~206)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.