Pacific Capital Exchange
12 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Pacific Capital Exchange complaint mix by product
- Debt collection 12 100.0% – 0% relief
How Pacific Capital Exchange's 12 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 12 |
Top States
| State | Complaints |
|---|---|
| FL | 5 |
| OH | 1 |
| AZ | 1 |
| TX | 1 |
| CA | 1 |
| DE | 1 |
| SC | 1 |
| TN | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Threatened to contact someone or share information improperly | 5 |
| Communication tactics | 4 |
| Written notification about debt | 1 |
| Attempts to collect debt not owed | 1 |
| False statements or representation | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2023 | 10 | 100% |
| 2026 | 2 | 0% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Pacific Capital Exchange
Pacific Capital Exchange's 12 logged complaints stay concentrated: only 8 states show a filing on record. 41.7% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - an unusually well-documented record. Records run from 2023 through 2026-02-19.
Pacific Capital Exchange answers 83.3% of complaints inside the CFPB's tracked window and closes 83.3% with a written explanation. 0% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Threatened to contact someone or share information improperly."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Pacific Capital Exchange.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does Pacific Capital Exchange have?
12, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Pacific Capital Exchange respond to complaints on time?
83.3% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Pacific Capital Exchange?
"Threatened to contact someone or share information improperly", filed under the "Debt collection" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.