What is the most common complaint against Pacific Capital Exchange?

The most common issue consumers report about Pacific Capital Exchange is "Threatened to contact someone or share information improperly", specifically "Talked to a third-party about your debt". This is based on 12 complaints filed with the CFPB.

Are complaints against Pacific Capital Exchange increasing or decreasing?

Complaints against Pacific Capital Exchange are falling. The company received 2 complaints in the last 12 months, showing improvement over prior periods.

What is Pacific Capital Exchange's reputation grade?

Pacific Capital Exchange has a reputation grade of D (score: 54.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Pacific Capital Exchange respond to consumer complaints?

Pacific Capital Exchange has a 83% timely response rate to CFPB complaints.

In how many states does Pacific Capital Exchange operate?

Pacific Capital Exchange has received CFPB complaints from consumers in 8 states, with the most complaints from Florida (5 complaints).

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

Pacific Capital Exchange - Debt Collector Complaint Profile

CFPB complaint profile across 8 states, reputation grade D.

Compiled by PlainCollector

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

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 #2340 · compose #3449

VOL 12
GRADE D
12MO 2
STATES 8
TIMELY 83%
ISSUE Threatened to contact some…
RANK #2,340
COMPOSE #3,449

Volume peers

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

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 →

State-heavy filing map

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

High volume does not equal a clean composite: Pacific Capital Exchange is volume #2,340 but composite #3,449, while Florida dominates the geography. 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)
Divergent corpus ranks: #2,340 volume; #3,449 composite; Cleanest-composite ladder is 1,109 places worse than volume

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 EXCHAN… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

83%

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Florida

5
Arizona

1
California

1
Delaware

1
Ohio

1
South Carolina

1
Tennessee

1
Texas

1

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.