Complaints

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

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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

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.

• Initial Complaint

  Date:05/22/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 am not liable for this debt with Valentine & Kebartas, LLC.I do not have a contract with this collection agency, they did not provide me with the original contract as I requested

  Business Response

  Date: 05/28/2024

  I am writing in response to the concerns addressed to your office by *********************************. I appreciate the 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 January 18, 2024, the delinquent account of ***************************** was placed in our office for collection by our client, LVNV Funding, LLC. We sent a validation notice to ****************** offering him instructions in the event that this debt is disputed. Our records do not show a response from him where he requested a copy of his contract. 

  The original creditor on this debt is ******** and the merchant is Fingerhut. The account number is ****************. 

  We have requested a copy of the contract from our client. We do not report to credit bureau agencies. ****************** can obtain more information regarding credit reporting on this debt by visiting our client's portal: **************************************;

  Should ****************** need assistance from one of our collection associates, please have him call us toll free at **************. 

• Initial Complaint

  Date:05/09/2024

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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 am receiving text messages from this company whom I have never done business with. I have no debt to be collected on nor have I ever given my information to this "agency". From everything I have read from other comments/reviews and from other sites, this company sounds like it is trying to scam innocent people. I would like for this company to no longer contact me. If this continues I will take legal action.

  Business Response

  Date: 05/13/2024

  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. 

  Our client placed an account in our office. The account is in the name of *************************** and the number we sent our communication to was associated with the account. Due to third party disclosure laws we cannot provide any information regarding the account. If we can assist *************************** with an amicable resolution, please have her call our office toll free at **************. At this time, we have restricted the telephone number in question. As a result, there will be no further contact with that number from our organization. 

  Customer Answer

  Date: 05/13/2024

  [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:03/30/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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 harassing me and calling family members claiming I owe them money when I have never done business or purchased anything from them. They are committing fcra and fdcpa by contacting relatives and also not obeying to telemarketing laws by calling at 8 in the morning I demand a cease and desist to any further contact and the removal of aby reporting to the credit beuros for I have never hired borrowed or purchased anything from them.

  Business Response

  Date: 04/01/2024

  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 ********************* are trained to follow and adhere to Fair Debt Collection Practices Act regulations and specific state laws. We investigated the information provided by ********************** and deny any violations of Federal or State law. 

  On November 29, 2023, the delinquent account of ******************************* was placed in our office for collection by our client *****************. The original creditor is ******** of Missouri and the account number is ****************. In an effort to assist ********************** with an amicable resolution we attempted to contact her to no avail. We have complied with her cease and desist request. As a result, there should be no further contact with ********************** from our organization. At this time, the account in question is being returned to our client. If ********************** recognizes this debt with the information I provided. Please have her call our client toll free at ************** for assistance. 

   

  Customer Answer

  Date: 04/01/2024

  [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:01/26/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 paid ********* ****** for my **** of Missouri account ending in 0600 on December 14, 2023. I have confirmed with my bank that this payment processed, the money was deducted, there have been no returns, and there has always been much more than enough money in my account to cover this transaction. I paid Valentine and Kebartas for my **** of Missouri account ending in 0600 (The same account listed above) $25.00 in November, and $****** on 12/18/2023. I have confirmed with my bank that this payment processed, the money was deducted, there have been no returns, and there has always been much more than enough money in my account to cover this transaction. Valentine and ******** has contacted me claiming that my bank, ***** Fargo, returned this payment on Jan 16. I have provided receipts and bank statements to verify, I have the transaction records from my bank, ************ represents themselves as a law firm and has a higher duty than an average bill collector. I am appalled at the behavior of this law firm. I want a refund of all funds paid to them.I forwarded the proof of payment from *********. My ****, **************** has confirmed that the money for this debt was withdrawn by both of you. There are no returns.

  Business Response

  Date: 01/31/2024

  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 ********************* are trained to follow and adhere to Fair Debt Collection Practices and specific state laws.  

  On November 9, 2023, the account of ************** was placed in our office for collection by our client, *****************. Our goal was to assist ************** with an amicable resolution. After investigating ************** concerns we contacted our client and they confirmed the information provided by **************. Our client reimbursed ************** $556.72 on January 16, 2024. 

  Valentine and Kebartas, LLC regrets any inconvenience ************** may have experienced. Should she have any questions, please have her call our client directly at **************. 

  Customer Answer

  Date: 01/31/2024

  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. 

  No funds have been returned to me or my account.  Further letters and collections efforts have been made by Valentine and Kabartas,  They have not responded to emails, or returned phone calls left with "supervisors".   
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  *****

   

   

  Business Response

  Date: 02/01/2024

  The account has been closed in our office and returned to our client. They advised us that they sent the reimbursement check. All inquiries need to be made directly to our client. They can be reached toll free at **************. 

   

  Customer Answer

  Date: 02/01/2024

  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. 

  I have not received any refund,  Your reply indicates the wrong "client".  I never communicated with LVNV nor did I pay them.  You failed to research, reply to my messages, or return any of my calls.  Your representatives misadvised me that my debit card payment was returned.  You sent a second bill demanding that I pay the debt twice and told me I was lying about whether or not the payment to you "bounced" a full month after you took the funds from my card and my account.  I have invested hours on the phone to get transaction records that were emailed to you.  And still, no response and no refund. This most certainly does not comply with the Fair Debt Collections practices nor did you make any effort to resolve this.  No refund has been received by me from you or "your client" which was not LVNV.  
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  *****

   

   

  Business Response

  Date: 02/19/2024

  We received a charge back on ************** credit card in the amount of $556.72 on February 9, 2024. Our client sent ************** a reimbursement check and it was cashed. The account has been closed in our office and returned to our client. If ************** has any questions on her delinquent account, please have her call our client at **************. 

  Customer Answer

  Date: 02/20/2024

  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. 

  The dispute I filed was a direct result of their misinformation, inability to verify the correct "client" (they kept stating LVNV...which is not who I did business with, the several arguments with several representatives that told me my payment was already returned on December 16.  They insisted that my payment was returned and that I needed t submit a THIRD payment 2 months before I filed the dispute with ***** Fargo.  After providing bank statements and spending 2 hours on the phone with them, *********, and ***** Fargo, they fraudulently took my money for a debt that was paid, 

   

  They violated the Fair Debt Collections Act in multiple ways.  That is the basis of my complaint.  Their misinformation and negative treatment has impacted the way I deal with all debt collectors and they should be penalized for the 2 months of my wasted time and misinformation that they gave me,  Failing to respond to me in ANY WAY after I provided documentation supporting my claims.
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  *****

   

   

• Initial Complaint

  Date:12/28/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  On, 12/24/233, I received a text from a collection agency. Just to be perfectly clear, I don't have any past due bills. This collection agency is continuing to bother me. I have filed a complaint with the ************************* ********** Office of the Attorney General and *************************************

  Business Response

  Date: 01/02/2024

  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 ********************* are trained to follow and adhere to Fair Debt Collection Practices Act regulations and specific state laws. 

  It appears as though, ****************** telephone number was linked with an account that was placed in our office for collection under a different name. We have removed ****************** telephone number from our database. As a result, she will receive no further calls from our organization. 

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

• Initial Complaint

  Date:08/14/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 organization has repeatedly contacted me on my phone, insisting on obtaining my complete name, address, Social Security Number, and Date of Birth before disclosing the purpose of their call. When I spoke with a customer service representative, their initial remarks were disrespectful, asking if I was "the individual with no life" and making inappropriate comments about my mother. They even went so far as to tell me to SHUT UP! Researching the company, it appears that such aggressive tactics are part of their strategy to recover debts. However, I am not willing to tolerate this behavior. I hope they improve their approach and hire more professional representatives. I WOULD LOVE TO ADD I HAVE ZERO BUSINESS WITH THIS COMPANY. One of the representatives went as far as texting me from her personal number calling me names. WOW.

  Business Response

  Date: 08/16/2023

  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 (FDCPA) regulations and specific state laws. Valentine and Kebartas, LLC does not condone or tolerate any harassing actions by our associates. We have thoroughly investigated the allegations made by ************** and we categorically deny we violated FDCPA regulations or state law. We were in full compliance with the law by attempting to verify the identity of ************** before we disclosed any information regarding her debt. Other allegations made by ************** are factually incorrect. 

  On July 21, 2023, 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 July 24, 2023, a validation notice was sent to ************** offering instructions to her in the event that this debt was disputed. We never received a response to this notice. 

  We have notified our client of the complaint filed by ************** and our response. 

• Initial Complaint

  Date:08/08/2023

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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 morning. I received two text messages from this company, Valentine & Kebartas, LLC of which I have no idea reason they are contacting me. I do not have a contract with Valentine & Kebartas, LLC they did not provide me with original contract as required. I have never received any mail or validation request of this supposed debt which will include my original contract therefore it is invalid per FTC guidelines. I request that ALL communications cease and to remove any information from my credit score profile as I have never opened an account with them or any junk debt or loan company. If communication and harassment should continue, I will seek legal counsel.

  Business Response

  Date: 08/09/2023

  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 27, 2023, the delinquent account of ****************** was placed in our office for collection by our client, ********** The original creditor is the Bank of ******** and the account number is ****************. On July 28, 2023, a validation notice was sent to ****************** offering instructions to her in the event that this debt was disputed. The notice was sent to the same address ****************** has in her correspondence to you. We received no notification from the ************* *********** that this notice was delivered unsuccessfully. 

  We have notified our client of ********************** dispute. We have complied with her cease and desist request. As a result, there should be no further contact from our organization. This account will be closed in our office and returned to our client.  

   

  Customer Answer

  Date: 08/10/2023

  [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 will review my credit report to ensure this account is closed with all credit reporting agencies.
  
  Regards,
  
  *********************************

• Initial Complaint

  Date:07/04/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 is a debt they are collecting from a company I tried to pay it off for. If they are willing to take 250$ as a settlement we can work this out. Other than that I want them to refrain from pestering me or bothering me. I tried to work something out the company didnt wanna work it out.

  Business Response

  Date: 07/10/2023

  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.

  On June 30, 2023, the delinquent accounts of **************** was placed in our office for collection by our client *****************. The original creditors are *********** and *******. Our goal is to assist **************** with an amicable resolution. Please have him contact one of our associates toll free at ************** or email to ***************. 

  Customer Answer

  Date: 07/10/2023

  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 # ********.

   

  I never used there cards they never contacted me ever. 

  
  FAQ
  
  Regards,

  ****

   

   

  Business Response

  Date: 07/11/2023

  We will close out the accounts in our office and advise our client that **************** disputes the debts. As a result, he will receive no further communication from our organization. 

  Customer Answer

  Date: 07/11/2023

  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 want it removed completely and paperwork sent to me showing when I used these cards and how much? Never been contacted by the company at all for any negotiations or anything. Never received mail from them either.

  [You must provide details of why you are not satisfied with this resolution.  If you do not enter a reason for your rejection, your complaint will be closed as Answered.]
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  ****