Debt collector · complaint record
Pacific Capital Exchange complaints
Consumers have filed 14 complaints about Pacific Capital Exchange since 2023, 4 of them in the last 12 months. It answered 0% on time and closed 0% with relief for the customer. The most common problem is threatened to contact someone or share information improperly.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 14
- Last 12 months
- 4
- Answered on time
- 0%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #1,016 of 1,963
Since January 2023
new vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Aug 5, 2026
Most complained-about debt collectors
Pacific Capital Exchange complaints by month
The busiest month was April 2023 (4 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Pacific Capital Exchange answered all time
- Closed with explanation1071.4%
- Untimely response428.6%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
Top Pacific Capital Exchange problems
Inside "Threatened to contact someone or share information improperly"
- Talked to a third-party about your debt 4
- Contacted your employer 3
Where Pacific Capital Exchange complaints come from
Most complaints: Florida (5), California (1), Michigan (1), Nevada (1), Texas (1).
Pacific Capital Exchange compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Green SquareDebt collection | 10 | 25 | F |
| 2 | EMoneyUSADebt collection | 53 | 25 | C |
| 3 | Mullooly Jeffrey Rooney & FlynnDebt collection | 56 | 25 | C |
| 4 | Credit World ServicesDebt collection | 47 | 25 | D |
| 5 | Keynote ConsultingDebt collection | 10 | 25 | F |
| 6 | Augusta Collection AgencyDebt collection | 10 | 25 | F |
| 7 | Advance Bureau of CollectionsDebt collection | 19 | 25 | F |
| 8 | Pacific Capital ExchangeDebt collection | - | 4 | - |
Compare side by side: Pacific Capital Exchange vs Green Square · Pacific Capital Exchange vs EMoneyUSA · Pacific Capital Exchange vs Mullooly Jeffrey Rooney & Flynn · Pacific Capital Exchange vs Credit World Services
What people say about Pacific Capital Exchange
All experiencesNo experiences with Pacific Capital Exchange yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Pacific Capital Exchange complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Aug 5, 2026 | Debt collection | Threatened to contact someone or share information improperlyContacted your employer | No timely reply |
| Jul 22, 2026 | Debt collection | Threatened to contact someone or share information improperlyContacted your employer | No timely reply |
| Feb 19, 2026 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | No timely reply |
| Feb 18, 2026 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | No timely reply |
| May 18, 2023 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Apr 28, 2023 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Apr 27, 2023 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Apr 7, 2023 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Apr 4, 2023 | Debt collection | Threatened to contact someone or share information improperlyContacted your employer | Explained |
| Mar 8, 2023 | Debt collection | False statements or representationImpersonated attorney, law enforcement, or government official | Explained |
| Feb 13, 2023 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Feb 3, 2023 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
Questions about Pacific Capital Exchange
How many complaints does Pacific Capital Exchange have?
Pacific Capital Exchange has 14 complaints on record since January 2023, including 4 in the last 12 months and 0 in the last 30 days. That makes it number 2,028 of every company by complaints this year.
Does Pacific Capital Exchange respond to complaints?
Yes. Pacific Capital Exchange answered 0% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with Pacific Capital Exchange?
The most common problems are threatened to contact someone or share information improperly (7), communication tactics (4), false statements or representation (1).
Is Pacific Capital Exchange legit?
Pacific Capital Exchange is a real company with a public complaint record: consumers have complained about it 14 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Pacific Capital Exchange legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Pacific Capital Exchange?
Complain to Pacific Capital Exchange in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Pacific Capital Exchange complaints come from?
Most come from Florida (5), California (1), Michigan (1). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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