CFPB Consumer Complaint Profile
Valley Credit Services, Inc. (Wi)
What the 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
- 17
- Total complaints
- Below average
- 0
- Last 12 months
- 0%
- Timely response
- Bottom decile
- 9
- States affected
The verdict
By CFPB complaint volume, Valley Credit Services, Inc. (Wi) is #3073 out of 3,843 financial companies. On response speed it sits at the 0th percentile among companies with 100+ complaints.
- Debt collection
- most-complained product
- MD
- state with the most 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 Services, Inc. (Wi) vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
0% Among the lowest in the bottom 1% 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
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2015 | 1 |
| 2016 | 3 |
| 2017 | 5 |
| 2018 | 2 |
| 2019 | 4 |
| 2020 | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Valley Credit Services, Inc. (Wi)
Valley Credit Services, Inc. (Wi) draws a geographically concentrated spread of CFPB complaints, filed by consumers in many parts of the country. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
The timely-response measure counts forwarded complaints answered inside the Bureau's 15-day window. This company's rate trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Valley Credit Services, Inc. (Wi): 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 (0% 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 Services, Inc. (Wi) have?
Valley Credit Services, Inc. (Wi) has 17 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Valley Credit Services, Inc. (Wi) respond to complaints on time?
CFPB complaints against Valley Credit Services, Inc. (Wi) draw a 0% timely-response rate inside the expected window. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Valley Credit Services, Inc. (Wi)?
The most complained-about product for Valley Credit Services, Inc. (Wi) is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Valley Credit Services, Inc. (Wi)?
The most common issue reported by consumers about Valley Credit Services, Inc. (Wi) is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against Valley Credit Services, Inc. (Wi)?
You can file a complaint against Valley Credit Services, Inc. (Wi) 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 Services, Inc. (Wi)?
The CFPB has recorded complaints against Valley Credit Services, Inc. (Wi) from 9 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.