Credit bureau · complaint record
Pacific Capital Mortgage complaints
Filed under Pacific Capital Mortgage Corporation
Consumers have filed 1 complaint about Pacific Capital Mortgage since 2017, none in the last 12 months. It answered 100% on time and closed 0% with relief for the customer. The most common problem is improper use of your report.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 1
- Last 12 months
- 0
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- -
Since July 2017
new vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Jul 14, 2017
Pacific Capital Mortgage complaints by month
The busiest month was July 2017 (1 complaint). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Pacific Capital Mortgage answered all time
- Closed with explanation1100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
Top Pacific Capital Mortgage problems
Inside "Improper use of your report"
- Credit inquiries on your report that you don't recognize 1
Pacific Capital Mortgage compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Apple FinancingCredit reporting | 57 | 28 | C |
| 2 | Nav TechnologiesCredit reporting | 55 | 28 | C |
| 3 | Opportunity FundCredit reporting | 51 | 27 | C |
| 4 | Heritage Financial GroupCredit reporting | 0 | 27 | F |
| 5 | Informative ResearchCredit reporting | 60 | 26 | C |
| 6 | Pennsylvania Housing Finance AgencyCredit reporting | 56 | 25 | C |
| 7 | King of Credit FinancialCredit reporting | 10 | 25 | F |
| 8 | Pacific Capital MortgageCredit reporting | - | 0 | - |
Compare side by side: Pacific Capital Mortgage vs Apple Financing · Pacific Capital Mortgage vs Nav Technologies · Pacific Capital Mortgage vs Opportunity Fund · Pacific Capital Mortgage vs Heritage Financial Group
What people say about Pacific Capital Mortgage
All experiencesNo experiences with Pacific Capital Mortgage yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Pacific Capital Mortgage complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Jul 14, 2017 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
Questions about Pacific Capital Mortgage
How many complaints does Pacific Capital Mortgage have?
Pacific Capital Mortgage has 1 complaint on record since July 2017, including 0 in the last 12 months and 0 in the last 30 days.
Does Pacific Capital Mortgage respond to complaints?
Yes. Pacific Capital Mortgage answered 100% 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 Mortgage?
The most common problems are improper use of your report (1).
Is Pacific Capital Mortgage legit?
Pacific Capital Mortgage is a real company with a public complaint record: consumers have complained about it 1 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Pacific Capital Mortgage legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Pacific Capital Mortgage?
Complain to Pacific Capital Mortgage 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.
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
Talk about Pacific Capital Mortgage
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