CFPB Consumer Complaint Profile
Excel Finance Company
Behind the 20 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 20
- Total complaints
- Mid-range
- 5
- Last 12 months
- 100%
- Timely response
- Top decile
- 3
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Excel Finance Company has accumulated 20 complaints, placing it #2861 by volume. Its on-time response rate is 100%, the 86th percentile among companies with 100+ complaints.
- #2861
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Payday loan, title l…
- most-complained product
- 3
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Excel Finance Company vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2018 | 2 |
| 2019 | 5 |
| 2021 | 2 |
| 2022 | 1 |
| 2024 | 3 |
| 2025 | 5 |
| 2026year in progress | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Excel Finance Company
Excel Finance Company carries 20 complaints in the CFPB's database, 5 of them filed within the past 12 months. Consumers spanning 3 states and territories have weighed in, giving this a geographically concentrated footprint. The single largest complaint category is "Payday loan, title loan, or personal loan," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Improper use of your report" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against Excel Finance Company draw a 100% reply rate inside the Bureau's 15-day window. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Among resolved complaints, the consumer-relief closure rate is 5%.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Excel Finance Company have?
The CFPB has logged 20 complaints against Excel Finance Company to date, of which 5 came in over the last 12 months.
Does Excel Finance Company respond to complaints on time?
Excel Finance Company's CFPB timely-response rate is 100%. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Excel Finance Company?
"Payday loan, title loan, or personal loan" draws more CFPB complaints against Excel Finance Company than any other product - see the full breakdown above.
What is the most common complaint issue with Excel Finance Company?
Consumers most often cite "Improper use of your report" when complaining about Excel Finance Company; the full issue list with counts is above.
How do I file a complaint against Excel Finance Company?
You can file a complaint against Excel Finance Company directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Excel Finance Company?
Excel Finance Company has drawn CFPB complaints from 3 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Also handles Payday loan, title loan, or personal loan
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.