Total CFPB complaints
12
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 12 complaints
PACIFIC CAPITAL EXCHANGE — Debt Collector Complaint Profile
CFPB complaint profile across 8 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about PACIFIC CAPITAL EXCHANGE
- Threatened to contact someone or share information improperly
Threatened to contact someone or share information improperly
5 complaints
- Communication tactics
Communication tactics
4 complaints
- False statements or representation 1
False statements or representation
1 complaints
- Attempts to collect debt not owed 1
Attempts to collect debt not owed
1 complaints
- Written notification about debt 1
Written notification about debt
1 complaints
D
Grade D · 58.9/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about PACIFIC CAPITAL EXCHANGE?
PACIFIC CAPITAL EXCHANGE has accumulated 12 total CFPB complaints across 8 states, with 2 filed in the most recent 12 months against 10 historical complaints before that window. The trailing-12-month volume represents 16.7% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Threatened to contact someone or share information improperly", narrowing to "Talked to a third-party about your debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 83% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 8 states, led by Florida with 5 and South Carolina with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.9/100 places PACIFIC CAPITAL EXCHANGE 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
2
16.7% of total history
Rising ↑
States active
8
Distinct state filings
Timely response rate
83%
Within CFPB SLA window
Reputation grade
D
58.9/100 composite
Response-quality profile
How PACIFIC CAPITAL EXCHANGE performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 83.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 14.3%
Share of US states + territories with at least one filed complaint against this collector.
How does PACIFIC CAPITAL EXCHANGE compare to its peers?
PACIFIC CAPITAL EXCHAN… 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)
2023-01 2026-02
Top Consumer Issues
Threatened to contact someone or share information improperly5 (%)
Communication tactics4 (%)
False statements or representation1 (%)
Attempts to collect debt not owed1 (%)
Written notification about debt1 (%)
Most common issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
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 |
|---|---|---|
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 4 |
| Communication tactics | Frequent or repeated calls | 3 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 1 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
| Communication tactics | Used obscene, profane, or other abusive language | 1 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
| Threatened to contact someone or share information improperly | Contacted your employer | 1 |
Where do complaints against PACIFIC CAPITAL EXCHANGE come from?
The states where consumers have filed the most CFPB complaints against PACIFIC CAPITAL EXCHANGE. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against PACIFIC CAPITAL EXCHANGE
Across 8 states with at least one filing
- Florida
Florida
5 complaints
- South Carolina 1
South Carolina
1 complaints
- California 1
California
1 complaints
- Tennessee 1
Tennessee
1 complaints
- Arizona 1
Arizona
1 complaints
- Ohio 1
Ohio
1 complaints
- Delaware 1
Delaware
1 complaints
- Texas 1
Texas
1 complaints
Frequently Asked Questions
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 rising. The company received 2 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is PACIFIC CAPITAL EXCHANGE's reputation grade? ▼
PACIFIC CAPITAL EXCHANGE has a reputation grade of D (score: 58.9/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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).
What can I do if PACIFIC CAPITAL EXCHANGE 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 PACIFIC CAPITAL EXCHANGE 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 |