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

CFPB complaint data Grade B 89 complaints

Pacific Credit Exchange Corporation - Debt Collector Complaint Profile

CFPB complaint profile across 8 states, reputation grade B.

Complaints by issue type

What consumers report about Pacific Credit Exchange Corporation

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

Data updated September 2026

CFPB complaint disposition

CCDB record pacific-credit-exchange-corporation Pacific Credit Exchange Corporation

Grade B · 89 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed

  • VOL 89
  • GRADE B
  • 12MO 16
  • STATES 8
  • TIMELY 100%
  • DISPUTE 0%
  • ISSUE Attempts to collect debt n…
  • RANK #872
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Action Collection Agencies, Inc. (89 complaints)

Action Collection Agencies, Inc.Action Collection Agencies, …89Aldridge Pite, LLPAldridge Pite, LLP89Bank of the WestBank of the West89Lamont, Hanley & Associates, Inc.Lamont, Hanley & Associates,…89Pacific Credit Exchange Corporation (this)Pacific Credit Exchange Corp…89
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Pacific Credit Exchange Corporation's 89 CFPB complaints sit next to Action Collection Agencies, Inc. 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 89 complaints break down

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

Reputation score breakdown

B
Composite reputation score
63.4/100
Pacific Credit Exchange Corporation

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 F
89
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
0%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

79.8% of Pacific Credit Exchange Corporation's CFPB filings land in California

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

Dominant state
California 79.8%
71 of 89 filings · 8 states touched
Spike month
2014-02 16.0%
4 filings that month · spiky (≥15% of series)
Corpus ranks
#872 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Pacific Credit Exchange Corporation compare to its peers?

How does Pacific Credit Exchange Corporation 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 Credit Exchange Corporation National average
Complaints (last 12 mo)lower is better
16
0
268
Timely-response ratehigher is better
100%
92%
91%
Consumer-dispute ratelower is better
0%
9%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Pacific Credit Exchange Corporation a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 60%70%80%90%100%110% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Pacific Credit Exchange Corporation vs. 10 similar-volume peers, by response speed and dispute rate Pacific Credit Exchange CorporationNational Recoveries, Inc.Professional Claims Bureau, Inc.Moss Law Firm, P.C.SCHOOLSFIRST FEDERAL CREDIT UNIONLamont, Hanley & Associates, Inc.BANK OF THE WESTAldridge Pite, LLPAction Collection Agencies, Inc.CONRAD CREDIT CORPORATIONDelray Capital, LLC
Source: CFPB Consumer Complaint Database

Pacific Credit Exchange Corporation's complaint volume in context

Pacific Credit Exchange Corporation 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)

89 Top 16% higher than 84% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). This entry sits in this band. 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 Credit Exchange Corporation 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)

Stable →
2014-01 2021-01

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
32
Written notification about debt
22
False statements or representation
16
Took or threatened to take negative or legal action
14
Threatened to contact someone or share information improperly
2
Communication tactics
1
Cont'd attempts collect debt not owed
1
Disclosure verification of debt
1

Where do complaints against Pacific Credit Exchange Corporation come from?

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

Top states by complaints against Pacific Credit Exchange Corporation

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 Credit Exchange Corporation: 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: 89.

4 peers

Know your rights before responding to Pacific Credit Exchange Corporation: 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.