CFPB Complaint

Valley Collection Service, LLC – CFPB Complaint

Consumer Complaint Submission

Date Received: 2017-07-02T00:00:00

Product: Other debt

Issue: False statements or representation

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: 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.

Company: Valley Collection Service, LLC

State/Zip: AZ 853XX

Company Response to Complaint: Closed with non-monetary relief

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2564231

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

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In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.

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