This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 40 complaints

Federal Pacific Credit Company, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 22 states, reputation grade D.

Complaints by issue type

What consumers report about Federal Pacific Credit Company, LLC

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record federal-pacific-credit-company-llc Federal Pacific Credit Company, LLC

Grade D · 40 CFPB filings · 75% timely · lead issue: Cont'd attempts collect debt not owed

  • VOL 40
  • GRADE D
  • 12MO 0
  • STATES 22
  • TIMELY 75%
  • DISPUTE 23%
  • ISSUE Cont'd attempts collect de…
  • RANK #1,337
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: AAS Debt Recovery, Inc. (40 complaints)

AAS Debt Recovery, Inc.AAS Debt Recovery, Inc.40Capital Credit and Collection Service, Inc.Capital Credit and Collectio…40Coastal Financial Solutions, LLCCoastal Financial Solutions,…40Daniels Norelli Scully & Cecere, P.C.Daniels Norelli Scully & Cec…40Federal Pacific Credit Company, LLC (this)Federal Pacific Credit Compa…40
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Federal Pacific Credit Company, LLC's 40 CFPB complaints sit next to AAS Debt Recovery, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 40 complaints break down

Every complaint issue type on record for Federal Pacific Credit Company, LLC, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
51.6/100
Federal Pacific Credit Company, LLC

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume D
40
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response B
75%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
23%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Spiky monthly series

Florida is the plurality state for Federal Pacific Credit Company, LLC (20.0%)

Peak share is this collector's company_monthly maximum divided by its own stored monthly total. Corpus placement method.

Plurality state
Florida 20.0%
Mid-band (15–30%) · 22 states with ≥1 filing
Spike month
2015-05 38.5%
5 filings that month · spiky (≥15% of series)
Corpus ranks
#1,337 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Federal Pacific Credit Company, LLC compare to its peers?

How does Federal Pacific Credit Company, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Federal Pacific Credit Company, LLC National average
Complaints (last 12 mo)lower is better
0
0
268
Timely-response ratehigher is better
75%
75%
91%
Consumer-dispute ratelower is better
23%
23%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Federal Pacific Credit Company, LLC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 20%40%60%80%100%120% 0%20%40%60% Timely response rate (%) Dispute rate (%) Federal Pacific Credit Company, LLC vs. 8 similar-volume peers, by response speed and dispute rate Federal Pacific Credit Company, LLCDaniels Norelli Scully & Cecere, P.C.Finkelstein, Kern, Steinberg & Cunningham, PCCoastal Financial Solutions, LLCGFS, Inc.Capital Credit and Collection Service, Inc.AAS Debt Recovery, Inc.Medical Recovery Services, LLCNEW CITY FUNDING CORP.
Source: CFPB Consumer Complaint Database

Federal Pacific Credit Company, LLC's complaint volume in context

Federal Pacific Credit Company, LLC vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

40 Top 25% higher than 75% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). This entry sits in this band. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Federal Pacific Credit Company, LLC 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2015-02 2015-07

Issue Detail Breakdown

Issue Complaints
Cont'd attempts collect debt not owed
10
Attempts to collect debt not owed
8
Communication tactics
5
Written notification about debt
4
False statements or representation
4
Taking/threatening an illegal action
3
Took or threatened to take negative or legal action
2
Disclosure verification of debt
2
Threatened to contact someone or share information improperly
1
Improper contact or sharing of info
1

Where do complaints against Federal Pacific Credit Company, LLC come from?

Federal Pacific Credit Company, LLC's own per-state count, not a national baseline.

Top states by complaints against Federal Pacific Credit Company, LLC

Across 22 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Federal Pacific Credit Company, LLC: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 40.

4 peers

Know your rights before responding to Federal Pacific Credit Company, LLC: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.