CFPB · Single-product concentration
Pacific Capital Exchange
12 CFPB complaints · 100% in "Debt collection" · top issue Threatened to contact someone or share information improperly.
Pacific Capital Exchange: 100% of 12 CFPB complaints sit in "Debt collection". Timely 83.3% · relief 0%. Allegations, not findings.
- Single-product concentration
- -80% filings 2023 to 2026
CFPB relief outcome brief
CCDB company pacific-capital-exchange
0% relief · 83.3% timely · 12 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
Pacific Capital Exchange closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Pacific Capital Exchange's 12 filings include narrative text
41.7% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
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 |
Concentrated filing states for Pacific Capital Exchange
Top states by attributed CFPB complaint volume for this company
- Leading state
- FL
- 41.7% of this company's filings
Pacific Capital Exchange falling annual filings
Annual filing volume from the CFPB public database
- 2026
- 2
- -80% vs 2023
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
Pacific Capital Exchange filings cluster in one product
Pacific Capital Exchange's 12 logged complaints stay concentrated: only 8 states show a filing. 41.7% of filings carry a written consumer narrative, 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.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Pacific Capital Exchange: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 12.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 83.3%.
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.
Data sourced from official public datasets for Pacific Capital Exchange (83.3% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration