Valley Collection Service, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
06/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 634XX	Web
I received an email from my credit monitoring service that informed me that my credit profile was adversely impacted. I found that VALLEY COLLECTION SERV had illegally posted an alleged collection account to my credit report. I have never heard of nor had an account with this company. My report shows that VALLEY COLLECTION SERV open account was opened on XX/XX/2022 with a balance of {$1000.00}. I have no knowledge of this company, nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I never received a notice of right to dispute nor did I receive any information to verify that the alleged debt with this company belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail with return receipt, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit reports until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail because it was never sent. In order for them to prove that I received it properly, the proper letter should have been mailed certified mail with return receipt or by some form of proof of postage that would require my signature. And if the company did mail anything to me, where is the legal proof of my signature stating that I received it? Where is the return receipt or postage signature showing that I received it and signed for it? But again, I never received any sort of mail or package. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. My credit has dropped tremendously in the middle of making a major purchase. Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. As a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. It should not be my responsibility to submit proof that this debt does not belong to me. It is the responsibility of the debt collector to submit proof that they can legally collect on the alleged debt and legally report to the credit agencies. As of this date, they have failed to do so. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX
12/22/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 859XX	Web
On XX/XX/XXXX I spoke with XXXX at Valley Collections regarding the validity of the utility bill as I was trying to recall what occurred from when I moved out of a home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX the amount was over {$2500.00} I had utilities with XXXX in XXXX and with XXXX XXXX XXXX. I was confused on this bill that appeared on my credit. I have called several times speaking with Valley Collections to resolve this. XXXX informed me to settle this account with XXXX XXXX XXXX their client. I called XXXX went over the account with her and informed her I had a move out date of XX/XX/XXXX. I am trying to determine the validity of the debt and what occurred. That I would like to settle this debt based on my circumstances. She said that I have to discuss a settlement for the debt with Valley Collections if they agree to do this. I called XXXX back today XX/XX/XXXX at Valley Collections was informed it would be XXXX XXXX XXXX the client to approve. She said she did send over my letter for the debt validation to them and the offer I made. She did not get a response. XXXX asked I send the proof of my move out date and the settlement offer letter to her email. She will again send this over to XXXX XXXX XXXX to see if they approve she said if they accept the offer they can agree to take the payment for the {$1600.00} I offered. In review of my bill the average is XXXX XXXX {$40.00} per month for a sewer at the time I lived at the residence. I was charged past my move out dates with any recollection I do not know what happened. XXXX XXXX XXXX continue to charge me from XXXX of XXXX XXXX. I have been sent from Valley collections to XXXXXXXX XXXX XXXXXXXX back and forth several times while trying to find a resolution. I have attached emails, letters, and the proof of my move out dates.
01/31/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IA 52240	Web
I am a FEDERALLY PROTECTED CONSUMER I am making this complaint against VALLEY COLLECTION SERVICE LLC I reject your offer to contract I did not consent to any nonaffiliated third party VALLEY COLLECTION SERVICE LLC ACCT # XXXX to be in possession of my Nonpublic Person Information . I never gave any permission to VALLEY COLLECTION SERVICE LLC use any of my identifying information to commit mail fraud by contacting me about this ALLEDGED DEBT. This is notice to CEASE AND DESIST all illegal activity and communications and DO NOT TRY furnish false credit information on my credit reports. I am not requesting validation of any alleged debt as obtaining as Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft 18 USC 1028A .After you sent a letter STATING that CITY OF XXXX UTILITIES SOLD MY NON PUBLIC PERSONAL INFORMATION TO YOUR DEBT COLLECTION COMPANY. I now have reason to believe that you are all conspiring against me trying to collect on a extension of credit through unlawful extortionate means. There is no TRILATERAL CONTRACT BETWEEN US THAT STATES I HAVE THE LEGAL OBLIGATION TO PAY YOU. THE FAIR DEBT COLLECTION PRATICES ACT ( F.D.C.P.A. ) AND THE FAIR TRADE COMMISION ( FTC ) WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME. I AM PREPARED TO SEEK JUSTICE AND DEMAND ALL MY FEDERAL RIGHTS BE PROTECTED AND RESPECTED. The collection of this EXTENSION OF CREDIT would be a VIOLATION OF THE FALSE CLAIMS ACT. AGAIN WE HAVE NO CONTRACT I HAVE NEVER HAD ANY BUSINESS DEALINGS WITH YOU NOR DESIRE TO.
07/02/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85395	Web
Valley Collection Services ( VCS ) and I have reached settlement however, VCS wants payment prior to providing a written agreement regarding the settlement. A 'paid in full ' and a 'payment agreement 'are two different letters. I will not make any payments unless a written document explicitly indicates that a PENDING {$90.00} payment will settle the account in full as agreed upon. Once a payment is made then a 'paid in full ' letter can be distributed. The arbitration terms are with XXXX XXXX XXXX, but Valley Collection Services is what is reflecting on my credit report. If I can not receive a pending agreement letter indicating the {$90.00} will settle the account, I will take further action as VCS has acknowledged an agreement was made through a Better Business Bureau complaint. I will not make a payment then receive a letter after-the-fact, as I have no clue if the letter will comply to what was agreed upon. I am not making 'payments ' toward any balances. This is a 'settlement ' payment. The service was only performed once for {$90.00} while I was not home.
08/09/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ XXXXX	Web
This is a complaint from XXXX XXXX against Valley Collection Services for Valley Collection Services failure to provide requested information for the debt alleged. On XXXX XXXX, 2017, consumer ( through legal counsel ) responded to the reporting on his credit report from Valley Collection Services with a written explanation and request for removal from his credit report. It has been over one month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation or removal makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
04/09/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	AZ XXXXX	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
12/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33071	Web
I received a citation # XXXX dated XX/XX/23, citation dated on XX/XX/23 for car tag number XXXX, call was made to XXXX XXXX XXXX XXXX with information requested which was never received. I am confiming that my vehicle was not in XXXX XXXX on that date. I again received another notice on XX/XX/23 for same citation with call made again- XXXX XXXX. I stated that my vehicle was not in XXXX XXXX on date of citation and requested that there a follow looking into why my vehicle was issued citation and again no response, I then received a letter from a debt collector dated XX/XX/23. The account number is XXXX Valley Collection service. I have no intention of paying for ticket that I did incur.
02/10/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	AZ 85382	Web
Valley collections mailed a notice initiated from XXXX. When XXXX were called to clarify why Valley collections were utilized to collect the debt, as no invoice was ever received. XXXX the billing manager from XXXX stated the invoice was mailed to an address that had not been current in over seven years. XXXX was asked to rectify the situation, and correct the error. I stated to XXXX that payment would be immediately submitted after the corrected invoice was received. After several months of communications there was no correction made, and the matter was reported to XXXX credit bureau.
01/16/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85022	Web
This Company Valley Collection Serv is attempting to collect a DEBT that I DONT OWE!! they are letting someone else who is occupying the address XXXX XXXX XXXX use my name for their utility service!! I have written them a letter and tried to get this handles and fixed they have failed to fix it and are still reporting the inaccurate and false information on my credit report. I have not lived at the previous address. I have not been using their utility service, I asked them to provide me with legal proof that this is my debt and they have failed, all they sent me was the amount owed!
09/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60608	Web
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
11/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	AZ 85379	Web
On XX/XX/2018 a 3rd party account called XXXX was reported on my credit profile to the credit bearues. However the original account related to this contract has had been cancelled, and I am not liable for any and all 3rd party charges regarding this account.The account is unverifiable and I have not received the proper documentation that holds me accountable.The orginal creditor has already been paid for their losses through insurance and taxation
08/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	AZ 85286	Web
XXXX XXXX XXXX sent an account balance that is not over due to Valley Collection Service XXXX LLC. I have never been told that I had to pay this amount of money to the court. I do not even live in the town limits or do I due business in this town of XXXX where the Court is located. The information that I have is account number XXXX Reference Number : XXXX ... .. Does the court have authorized to send my information without my consent ...?
08/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	AZ 85224	Web
I have paid all outstanding balances of {$91.00} on XXXX XX/XX/2021 to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX After completing the debt payment procedure. My credit record should have been deleted, but to this day my credit score is still bad because the debt still exists in the government 's computer system, which has not been cleared. Therefore, I earnestly request that you check and correct my credit score
03/21/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ XXXXX	Web
The Debt from that shows up in collections on XXXX for VALLEY COLLECTION SERV XXXX Original Creditor XXXX XXXX XXXX Balance for {$430.00}. XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Is not mine. I do not know what this debt is and does not belong to me. I appreciate if you would help remove this off my collections please, Thank you.
03/31/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 85255	Web
XXXX XXXX XXXX is reporting a fraudulent account to the XXXX credit bureaus causing harm to my credit files. I did not open the account they are reporting and collecting on. Acct # XXXX is not my account.
01/17/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27263	Web	Older American
There is a collection item on my credit report from the company VALLEY COLLECTION SERVICES. It looks like the original creditor was the City OF XXXX AZ XXXX. I have NEVER lived in Arizona.
07/07/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AZ 85388	Web
I noticed a debt collection on my credit report in the amount of {$120.00} that I was never notified of this debt or nor was it ever validated or given the opportunity to validate it.
08/01/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 21001	Web
Just checked my report and noticed a debt in collection from someone or company that I 've never heard of before in my life for a debt amount I have no clue about. Need help.
08/15/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33160	Phone

06/30/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	FL 32219	Web

05/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 15417	Web

11/29/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85234	Web

08/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33301	Web

02/22/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33063	Web

09/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85281	Web

09/03/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75052	Web

07/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85338	Web

11/27/2019	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	AZ 85210	Web

12/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85225	Web

10/26/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85225	Web	Servicemember

10/08/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85041	Web

07/11/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	NV 89002	Postal mail

04/20/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85041	Web

03/11/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	AZ 85202	Web

06/26/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	UT 84120	Phone

12/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	AZ 85250	Web

11/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	AZ 85224	Web

10/31/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	AZ 85250	Web

07/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	AZ 85297	Referral

09/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	AZ 85045	Web

07/10/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	SC 29575	Web

01/22/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	CA 92129	Web	Servicemember

07/08/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	AZ 85028	Postal mail

06/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	AZ 85225	Web

01/12/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CT 06082	Web