Debt collector · complaint record
Pacific Credit Exchange complaints
Filed under Pacific Credit Exchange Corporation
Consumers have filed 159 complaints about Pacific Credit Exchange since 2014, 18 of them in the last 12 months (-22% on the year before). It answered 100% on time and closed 17% with relief for the customer. The most common problem is attempts to collect debt not owed.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 159
- Last 12 months
- 18
- Answered on time
- 100%
- Closed with relief
- 17%
- Last 30 days
- 0
- Rank
- #560 of 1,963
Since May 2014
-22% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Sep 30, 2026
Most complained-about debt collectors
Pacific Credit Exchange complaints by month
The busiest month was September 2024 (7 complaints). Complaints in the last 12 months are down 22% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Pacific Credit Exchange answered all time
- Closed with non-monetary relief2616.4%
- Closed with explanation13383.6%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Pacific Credit Exchange complaints are about
Top Pacific Credit Exchange problems
Inside "Attempts to collect debt not owed"
- Debt is not yours 19
- Debt was result of identity theft 8
- Debt was paid 6
- Debt was already discharged in bankruptcy and is no longer owed 1
Where Pacific Credit Exchange complaints come from
Most complaints: California (126), Texas (13), Florida (5), Nevada (5), Utah (3).
Pacific Credit 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 Credit ExchangeDebt collection | - | 18 | - |
Compare side by side: Pacific Credit Exchange vs Green Square · Pacific Credit Exchange vs EMoneyUSA · Pacific Credit Exchange vs Mullooly Jeffrey Rooney & Flynn · Pacific Credit Exchange vs Credit World Services
What people say about Pacific Credit Exchange
All experiencesNo experiences with Pacific Credit Exchange yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Pacific Credit Exchange complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Sep 30, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 10, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Aug 22, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jul 22, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 13, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| Jun 19, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 1, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Apr 8, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 17, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Feb 24, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Feb 23, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Fixed |
| Feb 10, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
Questions about Pacific Credit Exchange
How many complaints does Pacific Credit Exchange have?
Pacific Credit Exchange has 159 complaints on record since May 2014, including 18 in the last 12 months and 0 in the last 30 days. That makes it number 1,136 of every company by complaints this year.
Does Pacific Credit Exchange respond to complaints?
Yes. Pacific Credit Exchange answered 100% of its complaints on time (within 15 days) and closed 17% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only.
What do people complain about most with Pacific Credit Exchange?
The most common problems are attempts to collect debt not owed (34), took or threatened to take negative or legal action (15), written notification about debt (23).
Is Pacific Credit Exchange legit?
Pacific Credit Exchange is a real company with a public complaint record: consumers have complained about it 159 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Pacific Credit Exchange legit? for the signals, red flags and how to protect yourself.
Are complaints about Pacific Credit Exchange going up or down?
Down. There were 18 complaints in the last 12 months against 23 in the 12 before (-22%). See every month.
How do I file a complaint against Pacific Credit Exchange?
Complain to Pacific Credit 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 Credit Exchange complaints come from?
Most come from California (126), Texas (13), Florida (5). 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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