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Business Profile

Collections Agencies

Valentine & Kebartas, LLC

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Complaints

This profile includes complaints for Valentine & Kebartas, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see

Find a Location

Valentine & Kebartas, LLC has 2 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

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    • Valentine & Kebartas, LLC

      15 Union St Ste 202 Lawrence, MA 01840-1823

    • Valentine & Kebartas, LLC

      PO Box 325 Lawrence, MA 01842-0625

    Customer Complaints Summary

    • 18 total complaints in the last 3 years.
    • 12 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:08/29/2024

      Type:Service or Repair Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I received a text saying V&K - Debt Collector: Don't forget about us. You missed your payment. To pay click ***************************************************. To optout txt STOPI have not had an account with this company EVER. I have NOT missed any payments in a year, and I dont want it verified electronically- I want a detailed report mailed to my address!I sent an email stating this as well but I am concerned its fraud. Ive been dealing with identity theft so if this is related it needs to be handled but it would not be a valid debt of my own. Ive filed with the *** and police report already on identity theft. I need documentation immediately to resolve this matter properly.

      Business Response

      Date: 08/30/2024

      I am writing in response to the concerns addressed to your office by *******************************. I appreciate this opportunity to assist you on behalf of Valentine and Kebartas, LLC. 

      I understand ******************** concerns that were expressed in her correspondence. Please be assured that our collection associates are trained to follow and adhere to Fair Debt Collection Practices Act regulations and specific state laws. 

      On August 28, 2024, the delinquent account of *************************** was placed in our office for collection by our client, LVNV Funding, LLC. The original creditor is ******************************* and the account number is *******. 

      Per ******************** request, we will mail validation to her home address.

      Should **************** need any assistance from our organization, please have her call one of our collection representatives toll free at **************. 

      Customer Answer

      Date: 08/30/2024

      [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

      Better Business Bureau:

      I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
      I still will require paper invoice sent to my home address, I will not do online payment for this. Please get that mailed to my home address so this can be resolved for both parties. 

      Regards,

      ***************************

    • Initial Complaint

      Date:08/26/2024

      Type:Customer Service Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      This company continues to text me about missing a payment. When I entered my information they are seeking payment for a creditor I am already paying for the same account. I am paying Resurgents for the account they are asking me to pay. I have called every number they have any it doesn't even ring. I would like them to stop texting, calling and emailing me and also to remove my account from there files because I will not be paying the same bill twice to two different debt collectors.

      Business Response

      Date: 08/28/2024

      I am writing in response to the concerns addressed to your office by *********************************. I appreciate this opportunity to assist you on behalf of Valentine and Kebartas, LLC. 

      I understand ************************** concerns that were expressed in her correspondence. Please be assured that our collection associates are trained to follow and adhere to Fair Debt Collection Practices Act regulations and specific state laws. 

      On July 19, 2024, the delinquent account of ********************** was placed in our office for collection by our client, Resurgent Receivables, LLC. The original creditor is *************** and the account number is ****************. We have complied with the cease and desist request of **********************. As a result, there should be no further contact with ********************** from our organization. 

      Customer Answer

      Date: 08/28/2024

      [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

      Better Business Bureau:

      I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

      Regards,

      *********************************

    • Initial Complaint

      Date:08/26/2024

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I been receiving text spams (4-5) from Valentine and Kebartas, LLC telling me to click on the link to make a payment on an outstanding debt. I just checked my credit accounts. All accounts are paid. My information is locked down. I don't have any accounts with this company. It is highly offensive that this company can pick me "out of the blue" to start some sort of collection activity. I read the * and K reviews on the BBB website. There are numerous complaints against this company regarding misinformation. Please help me stop this unwarranted activity. Complaint against Valentine and Kebartas, LLC. *************************************************************************************************. **************

      Business Response

      Date: 08/29/2024

      I am writing in response to the concerns addressed to your office by *****************************. I appreciate this opportunity to assist you on behalf of Valentine and Kebartas, LLC. 

      I understand ******************** concerns that were expressed in his correspondence. Please be assured that our collection associates are trained to follow and adhere to Fair Debt Collection Practices regulations and specific state laws. 

      One of our clients placed an account in our office for collection. It appears ******************** telephone number was wrongly associated with this account that is in another name. We have removed ******************** telephone number from our database. As a result, he will receive no further contact from our organization. 

      Valentine and Kebartas, LLC regrets any inconvenience **************** may have experienced. 

       

      Customer Answer

      Date: 08/29/2024


      Better Business Bureau:

      I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

      Regards,

      *************************

      Customer Answer

      Date: 10/01/2024

      Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

      My name is ****** ******. I filed Complaint ******** against Valentine and Kebartas LLC. A letter dated August 29, 2024 stated that they would remove my wrongly associated telephone number from their files with no further contact. Today at 10:20 AM I received another text from **************. Please have V & ****** cease and desist. If this behavior continues, I will file a formal complaint with the State of California Consumer Affairs.

      Thank you,
      ****** ****** 

      Business Response

      Date: 10/02/2024

      Per our last response, we restricted telephone number ************** on August 29, 2024 from any further communication. Please have Mr. ****** confirm that this is the correct number and if it is, have him provide a copy of the communication he received after August 29, 2024 and I will investigate this further. 

    • Initial Complaint

      Date:08/17/2024

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      This company keeps harrasing me even though I have no debt.I have reached out to their customer service and been ignored several times.They are fraudulent, evil, b******* that hope they can extort funds from hard working middle Americans through a campaign of automated debt collection. How is this legal? This company is also full of racist, discriminatory,and disgusting humans they

      Business Response

      Date: 08/21/2024

      I am writing in response to the concerns addressed to your office by *****************. I appreciate this opportunity to assist you on behalf of Valentine and Kebartas, LLC. 

      I understand the concerns that were expressed in this correspondence. Please be assured that our collection associates are trained to follow and adhere to Fair Debt Collection Practices Act regulations and specific state laws. 

      We have removed the telephone number from our database. As a result, there will be no further contact from our organization. 

      Valentine and Kebartas, LLC regrets any inconvenience Teagan ***** may have experienced. 

      Customer Answer

      Date: 08/21/2024

      Stop with the canned response.

       

      You violated the law. Stop hiding your shady business practices with lieing to the bbb. Con artists is what your official business tirle should be.

       

      why was my number even on your list in the first place. Investigate that and get back to me.

      Teagan

       

       

      Business Response

      Date: 08/21/2024

      Our company received a delinquent account from one of our clients to assist them with the collection of the debt. We sent the account to a third party vendor to skip trace for a telephone number. The number they provided us was the telephone number in question. Due to third party collection laws I am unable to provide the name on the account. However, I can tell you the account is not in the name of Teagan *****. 

      Customer Answer

      Date: 08/22/2024

      Not acceptable.

       

      You owe me $300 for my time, pain, and suffering.


    • Initial Complaint

      Date:08/14/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I keep getting text messages from this company. I do not have any contract with Valentine & Kebartas LLC. They are in violating of Fair Debt Collection Practices Act (FDCPA). In according to the Fair Debt Collection Practices Act, specifically 15 U.S. Code 1692c, this is my formal declaration to terminate and cease all communication from you in regards to the debt or text communication or assumption of debt that you are attempting to collect. In response to this 'Ceasing Communication' letter, in accordance with the Federal Fair Debt Collections Act, you may only contact to inform me that there will be no further collection efforts or to notify me that a specific action will take place.Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act. In addition, any third (3d) party that you use to coerce the collection of this debt shall also be in violation of federal law.

      Business Response

      Date: 08/19/2024

      i am writing in response to the concerns addressed to your office by ***************************. I appreciate this opportunity to assist you on behalf of Valentine and Kebartas, LLC. 

      I understand ********************** concerns that were expressed in his correspondence. Please be assured that our collection associates are trained to follow and adhere to Fair Debt Collection Practices Act regulations and specific state laws. 

      On July 19, 2024, the delinquent account of ****************** was placed in our office for collection by our client, LVNV Funding, LLC. The original creditor is *********** and the account number is ****************. 

      We have complied with the cease and desist request of ******************. As a result, there should be no further contact with ****************** from our organization .

    • Initial Complaint

      Date:06/29/2024

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      This company is falsely seeking payment on an account I do not have. I do not have any LVNV accounts yet this company continues to send spam emails with my name and the wrong home address saying I owe $1,369.17. I have verified I have no accounts on all 3 credit agencies. The company will not provide details of this credit account even though this is legally required by collection agencies. They have my incorrect home address so this must be another person with the same name.

      Business Response

      Date: 07/03/2024

      I am writing in response to the concerns addressed to your office by *************************. I appreciate this opportunity to assist you on behalf of Valentine and Kebartas, LLC. 

      I understand **************** concerns that were expressed in his correspondence. Please be assured that our collection associates are trained to follow and adhere to Fair Debt Collection Practices Act regulations and specific state laws. 

      On April 18, 2024 we received an account in the name of ********************* from our client LVNV Funding, LLC. The original creditor is *************** and the account number is ****************. The date of birth on the account we received is December 05, 1966. If ************ recognizes this information, he can contact our office at **************. 

      In the meantime, we have restricted communication to **************** email address, that *** be incorrectly associated with the account we received. As a result, there will be no further communication to his email address. We have notified our client of **************** concerns regarding his email address. 

      Valentine and Kebartas, LLC regrets any inconvenience ************ *** have experienced. 

      Customer Answer

      Date: 07/03/2024

      [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

      Better Business Bureau:

      I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. The *** provided by collection agency is not correct so this debt is for someone else.  I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

      Regards,

      *********************

    • Initial Complaint

      Date:06/29/2024

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Good afternoon I keep getting text messages from this company. I have no idea why they are sending me these messages about a debt

      Business Response

      Date: 07/03/2024

      I am writing in response to the concerns addressed to your office  by ****************************************. I appreciate this opportunity to assist you on behalf of Valentine and Kebartas, LLC. 

      I understand ******************************* concerns that were expressed in her correspondence. Please be assured that our organization adheres to Fair Debt Collection Practices Act regulations and specific state laws. 

      We were unable to locate an account in the name of ************************************ associated with her telephone number. We have removed her telephone number from our database. As a result, she will receive no further communication from our organization. 

      Valentine and Kebartas, LLC regrets any inconvenience *************************** may have experienced. 

    • Initial Complaint

      Date:06/04/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I purchased insurance on my **** Club Credit card ending in 5960. I lost my job in February 2015. I continue to make payments as I could. In 2017 thing were going down hill and I realized I purshased this insurance to pay off my card if job lost. Spoke with a **** Club agent. Started getting collection calls from Valintine and Kabartas LLC. I never gave them permision to withdraw funds from my checking account. Did not realize it til 2024 this was taking place. They withdrew $75.00 a month which added up to $3225.00. Then the account was sold to a ***************** to collect more money from me. Documentation shows where i money was taken for insurance, Money that The Law firm was withdrawing, and the new ****************** There was no documetation signed for Valentine and Kebartas to take funds fron my account. I would like a full investigation completed on this situation.

      Business Response

      Date: 06/11/2024

      I am writing in response to the concerns addressed to your office by *****************************. I appreciate this opportunity to assist you on behalf of Valentine and Kebartas, LLC. 

      I understand **************** concerns that were expressed in his correspondence. Please be assured that our collection associates are trained to follow and adhere to Fair Debt Collection Practices Act regulations and specific state laws. 

      On June 24, 2020, the delinquent account of ************ was placed in our office for collection by our client LVNV Funding, LLC. The original creditor is *************** On June 24, 2020, a validation notice was sent to ************ offering instructions to him in the event that this debt was disputed. ************ never advised our office that he disputed this debt. In fact, he spoke to one of our representatives and agreed to a monthly payment arrangement. We thoroughly investigated this matter and have listened to and possess the recording of ************ authorizing the payment arrangement. 

      We have notified our client of **************** communication to your office. We have stopped all future payments, closed the account in our office and returned it to our client. As a result, ************ will receive no further contact from our organization regarding this account .

      Customer Answer

      Date: 06/13/2024

      Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

      I never gave ******** and Kebartas permission to withdraw from my account verbally. To me that is not business like for a Law Firm. They will have you sign an agreement. I never recieved anything for the agreement to withdraw from my account.

      I did give **** Club the ok to withdraw from my account.

       I had purchased the insurance on the card. What happened with those funds ?  Isnt that a breach of contract they didnt follow through on the insurance claim that I lost my job?

      ************************* 

      Business Response

      Date: 06/13/2024

      Valentine and Kebartas, LLC is a collection agency. **************** account was placed in our office for collection by our client, LVNV Funding, LLC. If ************ would like to contact our client directly, have him call toll free to **************. 

      I have attached the recording of him authorizing the payment arrangement to our representative. 

    • Initial Complaint

      Date:05/31/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Not a real company Fraud

      Business Response

      Date: 06/03/2024

      I am writing in response to the concerns addressed to your office by Mr. ************************** I appreciate this opportunity to assist you on behalf of Valentine and Kebartas, LLC. 

      I understand ************************ concerns that were expressed in his correspondence. Please be assured that our organization is trained to follow and adhere to Fair Debt Collection Practices Act regulations and specific state laws. 

      On April 18, 2024, the delinquent account of ************************* was placed in our office for collection by our client, LVNV Funding, LLC. The original creditor is *********** and the account number is *********. On April 19, 2024, a validation notice was sent to ******************** offering instructions to him in the event that this debt was disputed. 

      We have complied with ************************ request to cease and desist. At this time, the account in question has been closed in our office and returned to our client. As a result, there should be no further contact with ******************** from our organization. 

       

       

    • Initial Complaint

      Date:05/25/2024

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I received a text message regarding a missed payment. Stupidly clicked the link and entered my information it asked for. My ssn and phone number. It then said that it was the wrong information and wouldnt allow me to move forward. I dont know what I have with this company or if it was a scam just getting my numbers.

      Business Response

      Date: 05/29/2024

      I am writing in response to the concerns addressed to your office by Ms. ************************** I appreciate this opportunity to assist you on behalf of Valentine and Kebartas, LLC. 

      I understand ****************** concerns that were expressed in her correspondence. Please be assured that our organization adheres to Fair Debt Collection Practices Act regulations and specific state laws. 

      We have investigated this matter with the information that was provided and are unable to locate the account in question. Please have ************** provide the telephone number that she received the text message on so we can further assist with this matter. 

       

    Valentine & Kebartas, LLC is NOT a BBB Accredited Business.

    To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

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