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

Data updated July 2026

B

Grade B · 66.4/100 composite

This collector has a good complaint record with relatively few complaints and responsive customer service.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of B: Pacific Credit Exchange Corporation ranks ahead of 61% of the 5,283 collectors PlainCollector grades - 39% keep a cleaner CFPB record, on 89 all-time complaints and a 100% timely-response rate.

61st pct
reputation rank of 5,283 graded collectors
89
CFPB complaints, all-time
100%
answered inside the CFPB window
16
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Pacific Credit Exchange Corporation?

Pacific Credit Exchange Corporation has accumulated 89 total CFPB complaints across 8 states, with 16 filed in the most recent 12 months against 73 historical complaints before that window. The trailing-12-month volume represents 18.0% 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 "Attempts to collect debt not owed", narrowing to "Attempted to collect wrong amount". The company posts a 100% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 8 states, led by California with 71 and Texas with 9. Normalized against the full CFPB collector database, the reputation score of 66.4/100 places Pacific Credit Exchange Corporation in grade band B.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

89

low-volume (CCDB)

Last 12 months

16

18.0% of all-time complaints

Stable →

States active

8

regional footprint

Timely response rate

100%

excellent band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

B

66.4/100 composite

How does Pacific Credit Exchange Corporation's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

66 61st percentile higher than 61% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Pacific Credit Exchange Corporation versus the debt-collection vertical average.

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?

How does Pacific Credit Exchange Corporation compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Pacific Credit Exchang… 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.

Complaint Trend (24 months)

2014-01 2021-01

Issue Detail Breakdown

Issue Sub-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

What to do if Pacific Credit Exchange Corporation contacts you

A grade of B signals how Pacific Credit Exchange Corporation's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Pacific Credit Exchange Corporation and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Pacific Credit Exchange Corporation ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 "Attempts to collect debt not owed", specifically "Attempted to collect wrong amount". This is based on 89 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 16 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), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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 (71 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.