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 2026-08-14
- 316
- Total complaints
- Above average
- 119
- Last 12 months
- 91.8%
- Timely response
- Bottom quartile
- 38
- States affected
The verdict
Valor Intelligent Processing, LLC ranks #670 of 3,843 financial companies by CFPB complaint volume, with 316 complaints on record. It posts a 91.8% on-time response rate, the 21st percentile among companies with 100+ complaints.
- #670
- of 3,843 companies by volume
- 91.8%
- on time (21st pctile)
- Debt collection
- most-complained product
- 38
- 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.
Valor Intelligent Processing, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
91.8% Among the lowest higher than 21% 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 50 in 2024 to 96 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 |
|---|---|
| 2020 | 8 |
| 2021 | 32 |
| 2022 | 30 |
| 2023 | 62 |
| 2024 | 50 |
| 2025 | 96 |
| 2026year in progress | 38 |
Complaints by State (Top 15)
Company Responses
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.
CFPB-forwarded complaints against Valor Intelligent Processing, LLC draw a 91.8% reply rate inside the Bureau's 15-day window. That falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0.3% rate.
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 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?
CFPB complaints against Valor Intelligent Processing, LLC draw a 91.8% timely-response rate inside 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.
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.