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

CFPB complaint data Grade D 55 complaints

Pacific Retrieval LLC - Debt Collector Complaint Profile

CFPB complaint profile across 3 states, reputation grade D.

Complaints by issue type

What consumers report about Pacific Retrieval LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 56.1/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

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

The verdict

A reputation grade of D: Pacific Retrieval LLC ranks ahead of 28% of the 5,283 collectors PlainCollector grades - 72% keep a cleaner CFPB record, on 55 all-time complaints and a 100% timely-response rate.

28th pct
reputation rank of 5,283 graded collectors
55
CFPB complaints, all-time
100%
answered inside the CFPB window
16
in the last 12 months (rising)

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 Retrieval LLC?

Pacific Retrieval LLC has accumulated 55 total CFPB complaints across 3 states, with 16 filed in the most recent 12 months against 39 historical complaints before that window. The trailing-12-month volume represents 29.1% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 100% timely-response rate.

Complaints have been recorded across 3 states, led by California with 51 and Oregon with 2. Normalized against the full CFPB collector database, the reputation score of 56.1/100 places Pacific Retrieval LLC in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

55

low-volume (CCDB)

Last 12 months

16

29.1% of all-time complaints

Rising ↑

States active

3

limited footprint

Timely response rate

100%

excellent band

Reputation grade

D

56.1/100 composite

How does Pacific Retrieval LLC's reputation rank nationally?

Reputation score vs. every graded collector

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

56 28th percentile higher than 28% 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%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 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 Retrieval LLC 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.

State coverage breadth 5.4%

Share of US states + territories with at least one filed complaint against this collector.

How does Pacific Retrieval LLC compare to its peers?

How does Pacific Retrieval LLC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Pacific Retrieval LLC National average
Complaints (last 12 mo)lower is better
16
0
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
0%
11%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2018-04 2026-01

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 33
Took or threatened to take negative or legal action - 7
Communication tactics - 6
False statements or representation - 4
Written notification about debt - 3
Threatened to contact someone or share information improperly - 2

Where do complaints against Pacific Retrieval LLC come from?

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

Top states by complaints against Pacific Retrieval LLC

Across 3 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Pacific Retrieval LLC contacts you

A grade of D signals how Pacific Retrieval LLC'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 Retrieval LLC 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 Retrieval LLC 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 Retrieval LLC? ▼

The most common issue consumers report about Pacific Retrieval LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 55 complaints filed with the CFPB.

Are complaints against Pacific Retrieval LLC increasing or decreasing? ▼

Complaints against Pacific Retrieval LLC are rising. The company received 16 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Pacific Retrieval LLC's reputation grade? ▼

Pacific Retrieval LLC has a reputation grade of D (score: 56.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Pacific Retrieval LLC respond to consumer complaints? ▼

Pacific Retrieval LLC has a 100% timely response rate to CFPB complaints.

In how many states does Pacific Retrieval LLC operate? ▼

Pacific Retrieval LLC has received CFPB complaints from consumers in 3 states, with the most complaints from California (51 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.