What is the most common complaint against Federal Pacific Credit Company, LLC?

The most common issue consumers report about Federal Pacific Credit Company, LLC is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 40 complaints filed with the CFPB.

Are complaints against Federal Pacific Credit Company, LLC increasing or decreasing?

Complaints against Federal Pacific Credit Company, LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Federal Pacific Credit Company, LLC's reputation grade?

Federal Pacific Credit Company, LLC has a reputation grade of D (score: 51.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Federal Pacific Credit Company, LLC respond to consumer complaints?

Federal Pacific Credit Company, LLC has a 75% timely response rate to CFPB complaints. Consumers disputed the company's response in 23% of cases.

In how many states does Federal Pacific Credit Company, LLC operate?

Federal Pacific Credit Company, LLC has received CFPB complaints from consumers in 22 states, with the most complaints from Florida (8 complaints).

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

Federal Pacific Credit Company, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 22 states, reputation grade D.

Compiled by PlainCollector

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

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 #1337 · compose #3932

VOL 40
GRADE D
12MO 0
STATES 22
TIMELY 75%
DISPUTE 23%
ISSUE Cont'd attempts collect de…
RANK #1,337
COMPOSE #3,932

Volume peers

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

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 →

Spiky monthly series

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

The 2015-05 spike coincides with a 2,595-place gap between volume rank #1,337 and composite #3,932. 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)
Divergent corpus ranks: #1,337 volume; #3,932 composite; Cleanest-composite ladder is 2,595 places worse than volume

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… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

75%

91%

Consumer-dispute ratelower is better

23%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Florida

8
Texas

6
California

3
Arizona

2
Maryland

2
Pennsylvania

2
South Carolina

2
Delaware

1

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.