What is the most common complaint against Pacific Collections?

The most common issue consumers report about Pacific Collections is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 21 complaints filed with the CFPB.

Are complaints against Pacific Collections increasing or decreasing?

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

What is Pacific Collections's reputation grade?

Pacific Collections has a reputation grade of F (score: 34.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Pacific Collections respond to consumer complaints?

Pacific Collections has a 0% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Pacific Collections operate?

Pacific Collections has received CFPB complaints from consumers in 12 states, with the most complaints from California (6 complaints).

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

Pacific Collections - Debt Collector Complaint Profile

CFPB complaint profile across 12 states, reputation grade F.

Compiled by PlainCollector

Attempts to collect debt not owed

9
Communication tactics

5
Cont'd attempts collect debt not owed

4
Took or threatened to take negative or legal action

2
Written notification about debt

1

Data updated September 2026

CFPB complaint disposition

CCDB record pacific-collections Pacific Collections

Grade F · 21 CFPB filings · 0% timely · lead issue: Attempts to collect debt not owed · vol #1866 · compose #5123

VOL 21
GRADE F
12MO 0
STATES 12
TIMELY 0%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #1,866
COMPOSE #5,123

Volume peers

Nearest volume peer: A & E Futures LLC (21 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Pacific Collections's 21 CFPB complaints sit next to A & E Futures 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 →

Filing geometry

California is the plurality state for Pacific Collections (28.6%)

Volume rank #1,866 and composite rank #5,123 diverge by 3,257 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: California 28.6%; Mid-band (15–30%) · 12 states with ≥1 filing
Seasonal peak: 2026-02 11.8%; 8–15% band · 4 filings
Divergent corpus ranks: #1,866 volume; #5,123 composite; Cleanest-composite ladder is 3,257 places worse than volume

How does Pacific Collections compare to its peers?

How does Pacific Collections 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 Collections National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

57%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2018-05 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	9
Communication tactics	5
Cont'd attempts collect debt not owed	4
Took or threatened to take negative or legal action	2
Written notification about debt	1

Where do complaints against Pacific Collections come from?

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

California

6
Indiana

2
Oklahoma

2
Arizona

1
Colorado

1
Florida

1
Minnesota

1
Nevada

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Pacific Collections: 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: 21.

4 peers

Know your rights before responding to Pacific Collections: 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.