Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Valor Intelligent Processing, LLC
State: IL

Complaint narrative:
I am submitting this complaint regarding unsolicited electronic communication and improper debt collection practices by Valor Intelligent Processing, who contacted me by text message claiming to act on behalf of XXXX. Here 's the full details : On XX/XX/year> at XXXX XXXX, I received a text message from a company called Valor Intelligent Processing claiming to be a debt collector acting on behalf of XXXX. I have not previously provided consent to receive text messages from this company. The text message told me that the number of messages that I would receive from that number would vary by account and that data rates may apply. The message also included a phone number to utilize to call with questions. The message also included an embedded URL " for more information or to make a payment ''. However, when I followed the embedded link, the only option at the website was to make a payment.

Additionally, when I called the number provided to request information about the alleged debt, the representative refused to explain the nature, amount, or origin of the debt, without me offering to provide my personal information, including address, etc. In this day and age, with scammers prolific activities, I wisely chose not to disclose any additional information for their convenience. However, the representative also chose not to provide any information or context to the alleged debt.

I did not provide prior express consent to receive text messages from this company. Despite this, they initiated contact via SMS. This raises concerns under the Telephone Consumer Protection Act ( 47 U.S.C. 227 ) and CFPB Regulation F regarding permissible communication methods.

When I contacted Valor Intelligent Processing by phone to request basic information about the alleged debt, the representative refused to explain the nature, origin, or amount of the debt, and did not identify the original creditor or provide validation details. To date, I have not received any written debt validation notice by mail.

Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), a debt collector is required to provide clear written notice of the debt, the name of the creditor, and the consumers right to dispute and request validation. That has not occurred.

Additionally, initiating electronic communication without consent and refusing to provide validation information creates confusion, inconvenience, and raises concern about whether this debt is valid, accurately attributed, or lawfully collectible.

I am requesting that the CFPB investigate this matter and require Valor Intelligent Processing to : Provide full and proper debt validation, including the amount, original creditor, date of default, and proof of authority to collect Demonstrate that I am the correct consumer and legally obligated to pay the alleged debt Cease unauthorized electronic communications Take corrective action if violations of the FDCPA, TCPA, or CFPB Regulation F are identified I am not refusing to comply with lawful obligations. I am asserting my right to transparency, validation, and lawful treatment under federal consumer protection statutes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation