CFPB Consumer Complaint Profile
Pacific Collections
What 21 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 21
- Total complaints
- Mid-range
- 0
- Last 12 months
- 0%
- Timely response
- Bottom decile
- 12
- States affected
The verdict
21 CFPB complaints put Pacific Collections at #2800 out of 3,843 financial companies ranked by complaint volume. Its on-time response rate is 0%, the 0th percentile among companies with 100+ complaints.
- #2800
- of 3,843 companies by volume
- 0%
- on time (0th pctile)
- Debt collection
- most-complained product
- 12
- 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 Collections vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
0% Among the lowest in the bottom 1% 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 |
|---|---|
| 2015 | 3 |
| 2016 | 1 |
| 2017 | 2 |
| 2018 | 2 |
| 2019 | 9 |
| 2020 | 2 |
| 2021 | 1 |
| 2024 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Pacific Collections
Pacific Collections carries 21 complaints in the CFPB's database, 0 of them filed within the past 12 months. Consumers spanning 12 states and territories have weighed in, giving this a geographically concentrated footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against Pacific Collections draw a 0% reply rate inside the Bureau's 15-day window. That is far under the 95% benchmark - a material red flag, since late or missing responses are among the strongest predictors of CFPB supervisory interest. The company's response carried a 0% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 0% closed with some form of monetary or non-monetary relief to the consumer.
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 Collections have?
The CFPB has logged 21 complaints against Pacific Collections to date, of which 0 came in over the last 12 months.
Does Pacific Collections respond to complaints on time?
Pacific Collections's CFPB timely-response rate is 0%. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Pacific Collections?
Among all products tied to Pacific Collections, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Pacific Collections?
The most common issue reported by consumers about Pacific Collections is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against Pacific Collections?
You can file a complaint against Pacific Collections 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 Collections?
The CFPB has recorded complaints against Pacific Collections from 12 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Pacific Collections: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (0% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Pacific Collections have?
The CFPB has logged 21 complaints against Pacific Collections to date, of which 0 came in over the last 12 months.
Does Pacific Collections respond to complaints on time?
Pacific Collections's CFPB timely-response rate is 0%. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Pacific Collections?
Among all products tied to Pacific Collections, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Pacific Collections?
The most common issue reported by consumers about Pacific Collections is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against Pacific Collections?
You can file a complaint against Pacific Collections 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 Collections?
The CFPB has recorded complaints against Pacific Collections from 12 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.