CFPB · Mid-pack CFPB posture
Pacific Credit Exchange Corporation
154 CFPB complaints · 10 states · top issue Attempts to collect debt not owed.
Pacific Credit Exchange Corporation has 154 consumer complaints in the CFPB public database. Timely response is 100%; 16.2% closed with relief; top product Debt collection. Allegations, not regulatory findings.
- Mid-pack CFPB posture
- +350% filings 2014 to 2026
CFPB relief outcome brief
CCDB company pacific-credit-exchange-corporation
16.2% relief · 100% timely · 154 filings · Debt collection
Same-product relief peers
Nearest relief peer: Midstate Collection Solutions, Inc. (16.2% relief)
Pacific Credit Exchange Corporation closes 16.2% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 154 complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
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 |
Concentrated filing states for Pacific Credit Exchange Corporation
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 80.5% of this company's filings
Pacific Credit Exchange Corporation rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 9
- +350% vs 2014
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
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. Only 39% of filings carry a written consumer narrative, so most of this record is coded categories rather than 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.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Pacific Credit Exchange Corporation: 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: 154.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
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 Credit Exchange Corporation (100% timely; 16.2% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Mid-pack CFPB posture