Debt collection
Pacific Credit Exchange debt collection complaints
Consumers have filed 94 complaints about Pacific Credit Exchange's debt collection, 15 in the last 12 months. Pacific Credit Exchange answered 100% on time and closed 13% with relief. See the whole Pacific Credit Exchange record.
Pacific Credit Exchange against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Pacific Credit Exchange | 15 | 100% | 13% |
Latest Pacific Credit Exchange debt collection complaints
| 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 10, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jan 27, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jan 3, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Dec 5, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 21, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Nov 12, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 23, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 16, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Oct 6, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Aug 6, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 8, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jul 3, 2025 | Debt collection | Communication tacticsCalled before 8am or after 9pm | Explained |
| May 13, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Fixed |
| Mar 11, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jan 6, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Nov 26, 2024 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 10, 2024 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Sep 30, 2024 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 25, 2024 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 24, 2024 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
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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