CFPB Consumer Complaint Profile
Pacific Credit Exchange Corporation
Consumers have filed 150 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-05-15
- 150
- Total complaints
- 28
- Last 12 months
- 100%
- Timely response
- 10
- States affected
The verdict
Pacific Credit Exchange Corporation ranks #1099 of 3,848 financial companies by CFPB complaint volume, with 150 complaints on record. 100% of its complaints get an on-time reply, beating the 93% median for the 100+ complaint peer group.
- #1099
- of 3,848 companies by volume
- 100%
- answered on time
- Debt collection
- most-complained product
- 10
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
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)
Company Responses
What the CFPB Complaint Record Shows for Pacific Credit Exchange Corporation
150 complaints against Pacific Credit Exchange Corporation appear in the CFPB record, including 28 from the trailing year. The 10 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. Inside that category, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Pacific Credit Exchange Corporation's timely response rate stands at 100%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is at or above benchmark levels, a sign the company handles intake and escalation well. In 0% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. Of complaints that were resolved, 16% 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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
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 Credit Exchange Corporation have?
The CFPB has logged 150 complaints against Pacific Credit Exchange Corporation to date, of which 28 came in over the last 12 months.
Does Pacific Credit Exchange Corporation respond to complaints on time?
Pacific Credit Exchange Corporation has a 100% timely response rate to CFPB complaints. This is considered excellent.
What product generates the most complaints for Pacific Credit Exchange Corporation?
"Debt collection" draws more CFPB complaints against Pacific Credit Exchange Corporation than any other product - see the full breakdown above.
What is the most common complaint issue with Pacific Credit Exchange Corporation?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Pacific Credit Exchange Corporation; the full issue list with counts is above.
How do I file a complaint against Pacific Credit Exchange Corporation?
You can file a complaint against Pacific Credit Exchange Corporation 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 Credit Exchange Corporation?
Consumers in 10 states and territories have filed complaints about Pacific Credit Exchange Corporation with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~150)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.