Pacific Credit Exchange Corporation
Sourced from the CFPB Consumer Complaint Database.
Debt Collector, CFPB Complaint Profile Specializes in: Auto debt
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Most consumers facing collection complaints carry utilization in the Fair-Poor band. FICO bands per myFICO + Experian guidance.
FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.
Complaints by Year
| Year | Complaints |
|---|---|
| 2014 | 2 |
| 2016 | 2 |
| 2017 | 4 |
| 2018 | 5 |
| 2019 | 4 |
| 2020 | 9 |
| 2021 | 27 |
| 2022 | 25 |
| 2023 | 12 |
| 2024 | 30 |
| 2025 | 25 |
| 2026 | 5 |
Complaints by State (Top 15)
Other Complaint Types
Your Rights with Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, unfair, and deceptive collection practices.
- Request written verification of any debt within 30 days of first contact
- Dispute a debt if you believe it is incorrect or does not belong to you
- Demand the collector stop contacting you (in writing)
- File a complaint with the CFPB at consumerfinance.gov/complaint
What the CFPB Record Shows for Pacific Credit Exchange Corporation
85 debt-collection complaints against Pacific Credit Exchange Corporation appear in the CFPB record - 56.7% of the 150 complaints filed about this entity. The 10 states and territories represented make this a geographically focused operation by complaint volume. Consumers most frequently describe "Auto debt" as the debt type behind their complaint about this collector. "Attempts to collect debt not owed" comes up most often as the specific issue cited - worth a look for anyone trying to spot this collector's recurring pain point.
The company's timely response rate is 100%, meaning that share of CFPB-forwarded complaints received a reply within the 15-day window the Bureau expects. That is at or above benchmark levels, pointing to an intake process working as intended. Of resolved cases, 16% closed with monetary or non-monetary relief to the consumer. In 0% of resolved cases, the consumer formally disputed the response - a rough measure of how often the first resolution missed the mark.
How to read these numbers, and what to do if you're disputing a charge
Complaint volume alone does not prove wrongdoing, larger collection portfolios naturally produce more complaints, but the combination of timely-response rate, relief ratio, and dispute rate above gives a reasonable empirical picture of how this collector handles consumer interactions. Anyone in active dispute with this company should keep written records, use certified mail for verification requests (see your FDCPA rights above), and consider filing a CFPB complaint if standard resolution channels stall.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Frequently Asked Questions
How many debt collection complaints does Pacific Credit Exchange Corporation have?
The CFPB has logged 85 debt-collection complaints against Pacific Credit Exchange Corporation, 56.7% of all complaints filed against this company.
Does Pacific Credit Exchange Corporation respond to complaints on time?
Pacific Credit Exchange Corporation has a 100% timely response rate. This is considered excellent.
Does Pacific Credit Exchange Corporation provide relief to consumers?
Pacific Credit Exchange Corporation closed 16% of resolved complaints with some form of consumer relief, monetary or non-monetary.
What type of debt does Pacific Credit Exchange Corporation primarily collect?
"Auto debt" is the debt type Pacific Credit Exchange Corporation is most associated with in CFPB complaint data - see the full breakdown above.
What rights do I have against Pacific Credit Exchange Corporation?
Under the Fair Debt Collection Practices Act (FDCPA), you can request written debt verification within 30 days, dispute debts you believe are incorrect, demand the collector stop contacting you in writing, and file a complaint with the CFPB at consumerfinance.gov/complaint.
In how many states is Pacific Credit Exchange Corporation active?
Pacific Credit Exchange Corporation has received consumer complaints from 10 states and territories, based on CFPB data.
Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.