CFPB Consumer Complaint Profile
Valley Credit Service, Inc. (OR)
What 38 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 38
- Total complaints
- Mid-range
- 4
- Last 12 months
- 55.3%
- Timely response
- Bottom decile
- 5
- States affected
The verdict
Valley Credit Service, Inc. (OR) ranks #2089 of 3,843 financial companies by CFPB complaint volume, with 38 complaints on record. Its on-time response rate is 55.3%, the 3rd percentile among companies with 100+ complaints.
- #2089
- of 3,843 companies by volume
- 55.3%
- on time (3rd pctile)
- Debt collection
- most-complained product
- 5
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
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.
Valley Credit Service, Inc. (OR) vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
55.3% Among the lowest higher than 3% 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
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 1 |
| 2014 | 2 |
| 2015 | 3 |
| 2016 | 3 |
| 2017 | 5 |
| 2018 | 1 |
| 2019 | 1 |
| 2020 | 4 |
| 2021 | 5 |
| 2022 | 1 |
| 2023 | 2 |
| 2024 | 5 |
| 2025 | 5 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Valley Credit Service, Inc. (OR)
38 complaints against Valley Credit Service, Inc. (OR) appear in the CFPB record, including 4 from the trailing year. The 5 states and territories represented put this footprint in geographically concentrated territory. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Disclosure verification of debt" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Within the Bureau's 15-day response window, Valley Credit Service, Inc. (OR) posts a 55.3% reply rate on forwarded complaints. That trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. Resolved cases drew a formal consumer-dispute rate of 18.2% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, the consumer-relief closure rate is 15.8%.
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 Valley Credit Service, Inc. (OR) have?
38 complaints have been filed against Valley Credit Service, Inc. (OR) with the CFPB overall - 4 of them in the past year.
Does Valley Credit Service, Inc. (OR) respond to complaints on time?
Valley Credit Service, Inc. (OR)'s CFPB timely-response rate is 55.3%. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Valley Credit Service, Inc. (OR)?
"Debt collection" draws more CFPB complaints against Valley Credit Service, Inc. (OR) than any other product - see the full breakdown above.
What is the most common complaint issue with Valley Credit Service, Inc. (OR)?
Consumers most often cite "Disclosure verification of debt" when complaining about Valley Credit Service, Inc. (OR); the full issue list with counts is above.
How do I file a complaint against Valley Credit Service, Inc. (OR)?
You can file a complaint against Valley Credit Service, Inc. (OR) 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 Valley Credit Service, Inc. (OR)?
Valley Credit Service, Inc. (OR) has drawn CFPB complaints from 5 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Valley Credit Service, Inc. (OR): 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 (18.2% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Valley Credit Service, Inc. (OR) have?
38 complaints have been filed against Valley Credit Service, Inc. (OR) with the CFPB overall - 4 of them in the past year.
Does Valley Credit Service, Inc. (OR) respond to complaints on time?
Valley Credit Service, Inc. (OR)'s CFPB timely-response rate is 55.3%. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Valley Credit Service, Inc. (OR)?
"Debt collection" draws more CFPB complaints against Valley Credit Service, Inc. (OR) than any other product - see the full breakdown above.
What is the most common complaint issue with Valley Credit Service, Inc. (OR)?
Consumers most often cite "Disclosure verification of debt" when complaining about Valley Credit Service, Inc. (OR); the full issue list with counts is above.
How do I file a complaint against Valley Credit Service, Inc. (OR)?
You can file a complaint against Valley Credit Service, Inc. (OR) 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 Valley Credit Service, Inc. (OR)?
Valley Credit Service, Inc. (OR) has drawn CFPB complaints from 5 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.