Debt collection -- False statements or representation -- Complaint #18079964
Complaint Overview
Complaint ID: 18079964
Company: Valor Intelligent Processing, LLC
Product: Debt collection
Sub-Product: Other debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Florida
ZIP Code: 33071
Date Received: 2025-12-02T12:00:00-05:00
Date Sent to Company: 2025-12-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing an incorrect toll debt that XXXX sent to a collection agency ( Valor Intelligent Processing ). My official XXXX statements show my account was in positive standing through XX/XX/XXXX ( {$41.00} ending balance ) and still in positive/near-zero standing in early XXXX ( {$2.00} ending balance ). There is no evidence of any large unpaid tolls. Despite this, XXXX suddenly put my account in external collection status and claimed I owed {$280.00}, later increased to {$320.00}. I requested an itemized list of tolls, the original balance before it was sent to collections, and proof of how this amount was calculated. XXXX representatives were unable to locate or explain the charges. I was told different information each timefirst that I never paid since XXXX, then they admitted I paid, then they said they could not see my previous balance, and then they acknowledged it but still insisted the debt was valid. Valor also provided no itemized proof of the debt. Their letter only states that {$280.00} was never covered, without any toll dates, locations, or transaction details. They also instructed me to contact XXXX for explanations, but XXXX keeps directing me back to Valor. Neither company is investigating the error. My XXXX account is now blocked, preventing me from paying new tolls normally. This is forcing additional charges and administrative fees during a dispute that has not been reviewed properly. I am requesting CFPB assistance to : ( 1 ) require a full audit of my account, ( 2 ) provide evidence of the alleged {$280.00} debt, ( 3 ) correct or remove the incorrect collection amount, and ( 4 ) restore my XXXX account so I can pay my current tolls without penalty.
Frequently Asked Questions
What is Complaint #18079964 about?
Complaint #18079964 was filed against Valor Intelligent Processing, LLC regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-12-02T12:00:00-05:00.
How did Valor Intelligent Processing, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Valor Intelligent Processing, LLC?
Yes, visit the Valor Intelligent Processing, LLC company profile at readthecomplaint.com/company/valor-intelligent-processing-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.