Valentine and Kebartas, Inc. Consumer Complaints
Valentine and Kebartas, Inc. has received 206 consumer complaints filed with the Consumer Financial Protection Bureau. Below is a complete breakdown by product, issue, company response pattern, and geographic distribution.
Data last updated: Apr 16, 2026Key Takeaways
- 206 total complaints on file with the CFPB.
- Most complaints are about Debt collection (162).
- Timely response rate: 100.0%.
- Consumer disputed rate: 43.8% of resolved complaints.
Complaints by Product
The following table shows how complaints against Valentine and Kebartas, Inc. break down by financial product category.
| Product | Complaints | % of Total |
|---|---|---|
| Debt collection | 162 | 78.6% |
| Student loan | 39 | 18.9% |
| Credit reporting, credit repair services, or other personal consumer reports | 4 | 1.9% |
| Credit card | 1 | 0.5% |
Most Common Issues
These are the specific issues consumers most frequently report about Valentine and Kebartas, Inc..
Company Response Breakdown
When consumers file complaints, Valentine and Kebartas, Inc. responds in one of several ways. The breakdown below shows how Valentine and Kebartas, Inc. has resolved complaints.
| Response | Count | Percentage |
|---|---|---|
| Closed with explanation | 205 | 99.5% |
| Closed with monetary relief | 1 | 0.5% |
Complaints by State
Top states where consumers have filed complaints against Valentine and Kebartas, Inc..
| State | Complaints |
|---|---|
| Indiana | 36 |
| California | 23 |
| New York | 22 |
| Florida | 16 |
| Texas | 12 |
| Ohio | 9 |
| Pennsylvania | 9 |
| Illinois | 6 |
| Louisiana | 5 |
| Washington | 5 |
| Arizona | 4 |
| Georgia | 4 |
| Maryland | 4 |
| Michigan | 4 |
| North Carolina | 3 |
| Oregon | 3 |
| South Carolina | 3 |
| Tennessee | 3 |
| Virginia | 3 |
| Wisconsin | 3 |
Your Rights
What to do if you have a complaint against Valentine and Kebartas, Inc.
- Contact Valentine and Kebartas, Inc. directly. Many issues can be resolved by calling their customer service line or submitting a written complaint.
- File a complaint with the CFPB. Visit consumerfinance.gov/complaint. The company must respond within 15 days.
- File with your state attorney general. Your state AG's consumer protection division investigates patterns of complaint.
- Consult a consumer protection attorney. If you've suffered financial harm, an attorney can advise you on your legal options including potential lawsuits.
Frequently Asked Questions
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How many complaints does Valentine and Kebartas, Inc. have?
Valentine and Kebartas, Inc. has 206 consumer complaints on file with the CFPB as of our last data refresh.
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What is the most common complaint about Valentine and Kebartas, Inc.?
The most common issue reported is Communication tactics with 48 complaints.
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How do I file a complaint against Valentine and Kebartas, Inc.?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. The company is required to respond within 15 days. You can also contact your state attorney general or consult a consumer protection attorney.
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Does Valentine and Kebartas, Inc. respond to complaints on time?
Valentine and Kebartas, Inc. has a 100.0% timely response rate, meaning that percentage of complaints received a response within the CFPB's required timeframe.
Source: Consumer Financial Protection Bureau — Consumer Complaint Database. Accessed April 2026.