Total CFPB complaints
40
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 40 complaints
Federal Pacific Credit Company, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 22 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Federal Pacific Credit Company, LLC
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
10 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
7 complaints
- Written notification about debt
Written notification about debt
4 complaints
- False statements or representation 3
False statements or representation
3 complaints
- Communication tactics 3
Communication tactics
3 complaints
- Taking/threatening an illegal action 3
Taking/threatening an illegal action
3 complaints
D
Grade D · 55.3/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Federal Pacific Credit Company, LLC?
Federal Pacific Credit Company, LLC has accumulated 40 total CFPB complaints across 22 states, with 0 filed in the most recent 12 months against 40 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 75% timely-response rate against a 23% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 22 states, led by Florida with 8 and Texas with 6, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 55.3/100 places Federal Pacific Credit Company, LLC in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
22
Distinct state filings
Timely response rate
75%
Within CFPB SLA window
Consumer disputes
23%
After company response
Reputation grade
D
55.3/100 composite
Response-quality profile
How Federal Pacific Credit Company, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 75.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 45.5%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 39.3%
Share of US states + territories with at least one filed complaint against this collector.
How does Federal Pacific Credit Company, LLC compare to its peers?
Federal Pacific Credit… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2015-11 2021-09
Top Consumer Issues
Cont'd attempts collect debt not owed10 (%)
Attempts to collect debt not owed7 (%)
Written notification about debt4 (%)
False statements or representation3 (%)
Communication tactics3 (%)
Taking/threatening an illegal action3 (%)
Took or threatened to take negative or legal action2 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 7 |
| Attempts to collect debt not owed | Debt is not yours | 6 |
| Written notification about debt | Didn't receive enough information to verify debt | 4 |
| Cont'd attempts collect debt not owed | Debt was paid | 3 |
| False statements or representation | Attempted to collect wrong amount | 3 |
| Communication tactics | Frequent or repeated calls | 3 |
| Taking/threatening an illegal action | Threatened to sue on too old debt | 2 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 2 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 1 |
Where do complaints against Federal Pacific Credit Company, LLC come from?
The states where consumers have filed the most CFPB complaints against Federal Pacific Credit Company, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Federal Pacific Credit Company, LLC
Across 22 states with at least one filing
- Florida
Florida
8 complaints
- Texas
Texas
6 complaints
- California 3
California
3 complaints
- Pennsylvania 2
Pennsylvania
2 complaints
- Arizona 2
Arizona
2 complaints
- South Carolina 2
South Carolina
2 complaints
- Maryland 2
Maryland
2 complaints
- South Dakota 1
South Dakota
1 complaints
Frequently Asked Questions
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 have been stable. The company received 0 complaints in the last 12 months.
What is Federal Pacific Credit Company, LLC's reputation grade? ▼
Federal Pacific Credit Company, LLC has a reputation grade of D (score: 55.3/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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).
What can I do if Federal Pacific Credit Company, LLC is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Federal Pacific Credit Company, LLC violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |