What is the most common complaint against Pacific Credit Services, Inc.?

The most common issue consumers report about Pacific Credit Services, Inc. is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 2 complaints filed with the CFPB.

Are complaints against Pacific Credit Services, Inc. increasing or decreasing?

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

What is Pacific Credit Services, Inc.'s reputation grade?

Pacific Credit Services, Inc. has a reputation grade of A (score: 87.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Pacific Credit Services, Inc. respond to consumer complaints?

Pacific Credit Services, Inc. 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 Services, Inc. operate?

Pacific Credit Services, Inc. has received CFPB complaints from consumers in 1 states, with the most complaints from California (2 complaints).

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

Pacific Credit Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 1 states, reputation grade A.

Compiled by PlainCollector

Cont'd attempts collect debt not owed

2

Data updated September 2026

CFPB complaint disposition

CCDB record pacific-credit-services-inc Pacific Credit Services, Inc.

Grade A · 2 CFPB filings · 100% timely · lead issue: Cont'd attempts collect debt not owed · vol #4245 · compose #146

VOL 2
GRADE A
12MO 0
STATES 1
TIMELY 100%
DISPUTE 0%
ISSUE Cont'd attempts collect de…
RANK #4,245
COMPOSE #146

Volume peers

Nearest volume peer: 1 Auto Finance, Inc. (2 complaints)

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

Pacific Credit Services, Inc.'s 2 CFPB complaints sit next to 1 Auto Finance, 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 →

State-heavy filing map

100.0% of Pacific Credit Services, Inc.'s CFPB filings land in California

High volume does not equal a clean composite: Pacific Credit Services, Inc. is volume #4,245 but composite #146, while California dominates the geography. Corpus placement method.

Dominant state: California 100.0%; 2 of 2 filings · 1 states touched
Spike month: 2014-11 50.0%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #4,245 volume; #146 composite; Cleanest-composite ladder is 4,099 places better than volume

How does Pacific Credit Services, Inc. compare to its peers?

How does Pacific Credit Services, Inc. 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 Service… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-11 2019-05

Issue Detail Breakdown

Issue	Complaints
Cont'd attempts collect debt not owed	2

Where do complaints against Pacific Credit Services, Inc. come from?

Pacific Credit Services, Inc.'s own per-state count, not a national baseline.

California

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Pacific Credit Services, Inc.: 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: 2.

4 peers

Know your rights before responding to Pacific Credit Services, Inc.: 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.