Pacific Credit Exchange Corporation
154 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 Credit Exchange Corporation complaint mix by product
- Debt collection 89 57.8% – 16% relief
- Credit reporting 29 18.8% – 7% relief
- Credit reporting, 26 16.9% – 27% relief
- Vehicle loan 5 3.2% – 20% relief
- Consumer Loan 2 1.3% – 50% relief
- Credit card 2 1.3% – 0% relief
- Debt or 1 0.6% – 0% relief
How Pacific Credit Exchange Corporation's 154 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 89 |
| Credit reporting or other personal consumer reports | 29 |
| Credit reporting, credit repair services, or other personal consumer reports | 26 |
| Vehicle loan or lease | 5 |
| Consumer Loan | 2 |
| Credit card or prepaid card | 2 |
| Debt or credit management | 1 |
Top States
| State | Complaints |
|---|---|
| CA | 124 |
| TX | 12 |
| NV | 5 |
| FL | 3 |
| UT | 3 |
| WA | 2 |
| AZ | 2 |
| OR | 1 |
| MS | 1 |
| NC | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 32 |
| Incorrect information on your report | 23 |
| Written notification about debt | 22 |
| Improper use of your report | 19 |
| False statements or representation | 16 |
| Took or threatened to take negative or legal action | 14 |
| Problem with a credit reporting company's investigation into an existing problem | 11 |
| Managing the loan or lease | 4 |
| Problem with a purchase shown on your statement | 2 |
| Threatened to contact someone or share information improperly | 2 |
| Problem with customer service | 1 |
| Problems at the end of the loan or lease | 1 |
| Communication tactics | 1 |
| Problem with a company's investigation into an existing problem | 1 |
| Cont'd attempts collect debt not owed | 1 |
| Disclosure verification of debt | 1 |
| Problems when you are unable to pay | 1 |
| Struggling to pay your loan | 1 |
| Fraud or scam | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 2 | 100% |
| 2016 | 2 | 100% |
| 2017 | 4 | 100% |
| 2018 | 5 | 100% |
| 2019 | 4 | 100% |
| 2020 | 9 | 100% |
| 2021 | 27 | 100% |
| 2022 | 25 | 100% |
| 2023 | 12 | 100% |
| 2024 | 30 | 100% |
| 2025 | 25 | 100% |
| 2026 | 9 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Pacific Credit Exchange Corporation
Pacific Credit Exchange Corporation's 154 logged complaints stay concentrated: only 10 states show a filing on record. Only 39% of filings carry a written consumer narrative, so most of this record is coded categories rather than the verbatim complaint text. Records run from 2014 through 2026-06-19.
Pacific Credit Exchange Corporation answers 100% of complaints inside the CFPB's tracked window and closes 83.8% with a written explanation. 16.2% 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 "Attempts to collect debt not owed."
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 Credit Exchange Corporation.
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 Credit Exchange Corporation have?
154, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Pacific Credit Exchange Corporation respond to complaints on time?
100% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Pacific Credit Exchange Corporation?
"Attempts to collect debt not owed", 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.