What is the most common complaint against Pacific Union Financial, LLC?

The most common issue consumers report about Pacific Union Financial, LLC is "Communication tactics", specifically "Debt was paid". This is based on 4 complaints filed with the CFPB.

Are complaints against Pacific Union Financial, LLC increasing or decreasing?

Complaints against Pacific Union Financial, LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Pacific Union Financial, LLC's reputation grade?

Pacific Union Financial, LLC has a reputation grade of A (score: 81.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Pacific Union Financial, LLC respond to consumer complaints?

Pacific Union Financial, LLC 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 Union Financial, LLC operate?

Pacific Union Financial, LLC has received CFPB complaints from consumers in 4 states, with the most complaints from Georgia (1 complaints).

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

Pacific Union Financial, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 4 states, reputation grade A.

Compiled by PlainCollector

Communication tactics

2
Attempts to collect debt not owed

1
Disclosure verification of debt

1

Data updated September 2026

CFPB complaint disposition

CCDB record pacific-union-financial-llc Pacific Union Financial, LLC

Grade A · 4 CFPB filings · 100% timely · lead issue: Communication tactics · vol #3459 · compose #265

VOL 4
GRADE A
12MO 0
STATES 4
TIMELY 100%
DISPUTE 0%
ISSUE Communication tactics
RANK #3,459
COMPOSE #265

Volume peers

Nearest volume peer: 90 Day Credit Experts (4 complaints)

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

Pacific Union Financial, LLC's 4 CFPB complaints sit next to 90 Day Credit Experts 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 →

Filing geometry

Georgia is the plurality state for Pacific Union Financial, LLC (25.0%)

Volume rank #3,459 and composite rank #265 diverge by 3,194 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Georgia 25.0%; Mid-band (15–30%) · 4 states with ≥1 filing
Seasonal peak: 2019-08 14.3%; 8–15% band · 1 filings
Divergent corpus ranks: #3,459 volume; #265 composite; Cleanest-composite ladder is 3,194 places better than volume

How does Pacific Union Financial, LLC compare to its peers?

How does Pacific Union Financial, LLC 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 Union Financia… 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)

2019-08 2025-11

Issue Detail Breakdown

Issue	Complaints
Communication tactics	2
Attempts to collect debt not owed	1
Disclosure verification of debt	1

Where do complaints against Pacific Union Financial, LLC come from?

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

Georgia

1
New Jersey

1
Pennsylvania

1
Texas

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Pacific Union Financial, LLC: 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: 4.

4 peers

Know your rights before responding to Pacific Union Financial, LLC: 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.