CFPB Consumer Complaint Profile

Valor Intelligent Processing, LLC

Consumers have filed 316 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.

Data updated 2026-05-15

316
Total complaints
119
Last 12 months
91.8%
Timely response
38
States affected

The verdict

Valor Intelligent Processing, LLC ranks #671 of 3,848 financial companies by CFPB complaint volume, with 316 complaints on record. It answers 91.8% of complaints on time - below the 93% median for companies with 100+ complaints.

#671
of 3,848 companies by volume
91.8%
answered on time
Debt collection
most-complained product
38
states with complaints
Valor Intelligent Processing, LLC timely response rate 91.8%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Debt collection - Other debt 111
Debt collection - I do not know 101
Debt collection - Telecommunications debt 69
Credit reporting or other personal consumer reports - Credit reporting 16
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 10
Debt collection - Credit card debt 6
Payday loan, title loan, or personal loan - Installment loan 1
Credit card or prepaid card - General-purpose credit card or charge card 1
Debt collection - Auto debt 1

Top Issues

1.Attempts to collect debt not owed 126
2.Written notification about debt 42
3.Communication tactics 40
4.False statements or representation 29
5.Took or threatened to take negative or legal action 22
6.Electronic communications 20
7.Incorrect information on your report 12
8.Improper use of your report 12
9.Threatened to contact someone or share information improperly 9
10.Struggling to pay your loan 1

Complaints by Year

Year Complaints
2020 8
2021 32
2022 30
2023 62
2024 50
2025 96
2026 38

Complaints by State (Top 15)

Texas 50
Florida 42
Georgia 30
Illinois 24
California 17
Michigan 15
Tennessee 12
Ohio 12
Colorado 10
New York 10
South Carolina 7
North Carolina 6
Indiana 6
Pennsylvania 6
Washington 5

Company Responses

Closed with explanation 315
Closed with non-monetary relief 1

What the CFPB Complaint Record Shows for Valor Intelligent Processing, LLC

The CFPB Consumer Complaint Database has logged 316 complaints against Valor Intelligent Processing, LLC overall, with 119 of those filed in the trailing 12 months. Reports have come from consumers in 38 states and territories, making this a multi-regional complaint footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.

91.8% of CFPB-forwarded complaints against Valor Intelligent Processing, LLC get a reply inside the Bureau's 15-day window. That falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. 0.3% of resolved complaints ended with some monetary or non-monetary relief for 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 Valor Intelligent Processing, LLC have?

316 complaints have been filed against Valor Intelligent Processing, LLC with the CFPB overall - 119 of them in the past year.

Does Valor Intelligent Processing, LLC respond to complaints on time?

91.8% of the CFPB complaints against Valor Intelligent Processing, LLC get a response within the expected window.

What product generates the most complaints for Valor Intelligent Processing, LLC?

The most complained-about product for Valor Intelligent Processing, LLC is "Debt collection." You can view the full product breakdown on this page.

What is the most common complaint issue with Valor Intelligent Processing, LLC?

The most common issue reported by consumers about Valor Intelligent Processing, LLC is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.

How do I file a complaint against Valor Intelligent Processing, LLC?

You can file a complaint against Valor Intelligent Processing, LLC 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 Valor Intelligent Processing, LLC?

The CFPB has recorded complaints against Valor Intelligent Processing, LLC from 38 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.

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Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.