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

CFPB complaint data Grade D 12 complaints

Pacific Capital Exchange - Debt Collector Complaint Profile

CFPB complaint profile across 8 states, reputation grade D.

Complaints by issue type

What consumers report about Pacific Capital Exchange

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

Data updated September 2026

CFPB complaint disposition

CCDB record pacific-capital-exchange Pacific Capital Exchange

Grade D · 12 CFPB filings · 83% timely · lead issue: Threatened to contact someone or share information improperly

  • VOL 12
  • GRADE D
  • 12MO 2
  • STATES 8
  • TIMELY 83%
  • ISSUE Threatened to contact some…
  • RANK #2,340
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: 1803 Capital, LLC (12 complaints)

1803 Capital, LLC1803 Capital, LLC12AC AutoPay LLC, Denver, CO BranchAC AutoPay LLC, Denver, CO B…12Account Recovery Service, Inc. (WI)Account Recovery Service, In…12A.C.S. Companies, Inc. IA.C.S. Companies, Inc. I12Pacific Capital Exchange (this)Pacific Capital Exchange (th…12
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Pacific Capital Exchange's 12 CFPB complaints sit next to 1803 Capital, LLC 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 12 complaints break down

Every complaint issue type on record for Pacific Capital Exchange, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
54.5/100
Pacific Capital Exchange

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 C
12
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
83%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate N/A
N/A
No dispute rate reported.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

41.7% of Pacific Capital Exchange's CFPB filings land in Florida

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
Florida 41.7%
5 of 12 filings · 8 states touched
Spike month
2014-08 18.2%
4 filings that month · spiky (≥15% of series)
Corpus ranks
#2,340 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Pacific Capital Exchange compare to its peers?

How does PACIFIC CAPITAL EXCHANGE compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
PACIFIC CAPITAL EXCHANGE National average
Complaints (last 12 mo)lower is better
2
3
268
Timely-response ratehigher is better
83%
100%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Pacific Capital Exchange's complaint volume in context

Pacific Capital Exchange 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)

12 57th percentile higher than 57% of 5,420 collectors

0–20: 3,504 collectors (65%). This entry sits in this band. 20–40: 565 collectors (10%). Above this entry. 40–60: 260 collectors (5%). Above this entry. 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. Pacific Capital Exchange 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 ↓
2014-08 2016-12

Issue Detail Breakdown

Issue Complaints
Threatened to contact someone or share information improperly
5
Communication tactics
4
Attempts to collect debt not owed
1
Written notification about debt
1
False statements or representation
1

Where do complaints against Pacific Capital Exchange come from?

Pacific Capital Exchange's own per-state count, not a national baseline.

Top states by complaints against Pacific Capital Exchange

Across 8 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 Pacific Capital Exchange: 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: 12.

4 peers

Know your rights before responding to Pacific Capital Exchange: 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.