Total CFPB complaints
86
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 86 complaints
Pacific Credit Exchange Corporation — 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 Credit Exchange Corporation
- Attempts to collect debt not owed
Attempts to collect debt not owed
28 complaints
- Written notification about debt
Written notification about debt
21 complaints
- False statements or representation
False statements or representation
16 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
13 complaints
- Threatened to contact someone or share information improperly 2
Threatened to contact someone or share information improperly
2 complaints
B
Grade B · 66.4/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about Pacific Credit Exchange Corporation?
Pacific Credit Exchange Corporation has accumulated 86 total CFPB complaints across 8 states, with 14 filed in the most recent 12 months against 72 historical complaints before that window. The trailing-12-month volume represents 16.3% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "False statements or representation", narrowing to "Attempted to collect wrong amount", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 0% consumer-dispute-after-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 California with 68 and Texas with 9, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 66.4/100 places Pacific Credit Exchange Corporation in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
14
16.3% of total history
Stable →
States active
8
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
B
66.4/100 composite
Response-quality profile
How Pacific Credit Exchange Corporation performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 14.3%
Share of US states + territories with at least one filed complaint against this collector.
How does Pacific Credit Exchange Corporation compare to its peers?
Pacific Credit Exchang… 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)
2022-11 2026-02
Top Consumer Issues
False statements or representation16 (%)
Attempts to collect debt not owed28 (%)
Written notification about debt21 (%)
Took or threatened to take negative or legal action13 (%)
Threatened to contact someone or share information improperly2 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
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 |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 16 |
| Attempts to collect debt not owed | Debt is not yours | 16 |
| Written notification about debt | Didn't receive enough information to verify debt | 14 |
| Written notification about debt | Didn't receive notice of right to dispute | 7 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 7 |
| Attempts to collect debt not owed | Debt was paid | 6 |
| Attempts to collect debt not owed | Debt was result of identity theft | 6 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 4 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 2 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 2 |
Where do complaints against Pacific Credit Exchange Corporation come from?
The states where consumers have filed the most CFPB complaints against Pacific Credit Exchange Corporation. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Pacific Credit Exchange Corporation
Across 8 states with at least one filing
- California
California
68 complaints
- Texas 9
Texas
9 complaints
- Nevada 4
Nevada
4 complaints
- Oregon 1
Oregon
1 complaints
- Arizona 1
Arizona
1 complaints
- Utah 1
Utah
1 complaints
- Washington 1
Washington
1 complaints
- Florida 1
Florida
1 complaints
Frequently Asked Questions
What is the most common complaint against Pacific Credit Exchange Corporation? ▼
The most common issue consumers report about Pacific Credit Exchange Corporation is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 86 complaints filed with the CFPB.
Are complaints against Pacific Credit Exchange Corporation increasing or decreasing? ▼
Complaints against Pacific Credit Exchange Corporation have been stable. The company received 14 complaints in the last 12 months.
What is Pacific Credit Exchange Corporation's reputation grade? ▼
Pacific Credit Exchange Corporation has a reputation grade of B (score: 66.4/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does Pacific Credit Exchange Corporation respond to consumer complaints? ▼
Pacific Credit Exchange Corporation has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does Pacific Credit Exchange Corporation operate? ▼
Pacific Credit Exchange Corporation has received CFPB complaints from consumers in 8 states, with the most complaints from California (68 complaints).
What can I do if Pacific Credit Exchange Corporation 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 Credit Exchange Corporation 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 |