CFPB Consumer Complaint Profile
Pacific Capital Exchange
Consumers have filed 12 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 12
- Total complaints
- Below average
- 2
- Last 12 months
- 83.3%
- Timely response
- Bottom quartile
- 8
- States affected
The verdict
Pacific Capital Exchange ranks #3492 of 3,843 financial companies by CFPB complaint volume, with 12 complaints on record. On-time replies land at 83.3%, the 11th percentile for the 100+ complaint peer group.
- #3492
- of 3,843 companies by volume
- 83.3%
- on time (11th pctile)
- Debt collection
- most-complained product
- 8
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Pacific Capital Exchange vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
83.3% Among the lowest higher than 11% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2023 | 10 |
| 2026year in progress | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Pacific Capital Exchange
12 complaints against Pacific Capital Exchange appear in the CFPB record, including 2 from the trailing year. The 8 states and territories represented put this footprint in geographically concentrated territory. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. The specific issue named most within that category is "Threatened to contact someone or share information improperly," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, Pacific Capital Exchange posts a 83.3% reply rate on forwarded complaints. That falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0% rate.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Pacific Capital Exchange have?
The CFPB has logged 12 complaints against Pacific Capital Exchange to date, of which 2 came in over the last 12 months.
Does Pacific Capital Exchange respond to complaints on time?
CFPB complaints against Pacific Capital Exchange draw a 83.3% timely-response rate inside the expected window.
What product generates the most complaints for Pacific Capital Exchange?
"Debt collection" draws more CFPB complaints against Pacific Capital Exchange than any other product - see the full breakdown above.
What is the most common complaint issue with Pacific Capital Exchange?
"Threatened to contact someone or share information improperly" is the single most frequently cited issue in complaints against Pacific Capital Exchange - see all issues and counts above.
How do I file a complaint against Pacific Capital Exchange?
You can file a complaint against Pacific Capital Exchange directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Pacific Capital Exchange?
Pacific Capital Exchange has drawn CFPB complaints from 8 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Pacific Capital Exchange have?
The CFPB has logged 12 complaints against Pacific Capital Exchange to date, of which 2 came in over the last 12 months.
Does Pacific Capital Exchange respond to complaints on time?
CFPB complaints against Pacific Capital Exchange draw a 83.3% timely-response rate inside the expected window.
What product generates the most complaints for Pacific Capital Exchange?
"Debt collection" draws more CFPB complaints against Pacific Capital Exchange than any other product - see the full breakdown above.
What is the most common complaint issue with Pacific Capital Exchange?
"Threatened to contact someone or share information improperly" is the single most frequently cited issue in complaints against Pacific Capital Exchange - see all issues and counts above.
How do I file a complaint against Pacific Capital Exchange?
You can file a complaint against Pacific Capital Exchange directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Pacific Capital Exchange?
Pacific Capital Exchange has drawn CFPB complaints from 8 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.