Pacific Coast Credit is a debt collection agency located in Eugene, Oregon. The agency has been in business since 1968 and provides debt collection services to a wide range of creditors, including utility companies, healthcare providers, and government entities.
PO Box 40580
Eugene, OR 97404-0091
Phone: (541) 688-9445
The Better Business Bureau (BBB) and Consumer Financial Protection Bureau (CFPB), an agency created to help ensure that debt collectors, and other companies in the financial industry, do not abuse consumers, report no complaints filed against Pacific Coast Credit.
The company's website states that it is their policy to maintain the relationship between the original creditor who hires them and the consumer from whom they attempt to collect. It also says that the collection agency strives to create a professional image for the companies that hire it to collect on unpaid debt. The two company reviews on the BBB's website however tell a different story. Both were posted by consumers who chose to write reviews instead of filing complaints. They both state that the company's representatives were unprofessional and that it was attempting to collect on old debt. One of the reviewers alleges that the company threatened to file a lawsuit and add fees and interest because she was being “difficult” and refused to provide any information so that she could verify the debt was hers and was still owed.
The Fair Debt Collection Practices Act (FDCPA) is a federal act that was passed in order to protect consumers from abusive and unfair debt collection practices, such as refusing to provide verification of a debt, using abusive language when attempting to collect a debt and adding fees and interest that were not authorized by the original credit agreement. The Act also prohibits debt collectors from using other unfair and abusive practices such as threatening to take legal action that it has no right to take or does not intend to take.
If Pacific Coast Credit is using unfair or abusive practices in order to collect a debt from you, it is time to hold them accountable. Please contact our office for a free, no obligation consultation at 1-800-219-3577.