CFPB Consumer Complaint Profile
Express Collections, Inc.
151 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-05-15
- 151
- Total complaints
- 51
- Last 12 months
- 99.3%
- Timely response
- 20
- States affected
The verdict
Out of 3,848 financial companies in the CFPB database, Express Collections, Inc. has accumulated 151 complaints, placing it #1094 by volume. It answers 99.3% of complaints on time - above the 93% median for companies with 100+ complaints.
- #1094
- of 3,848 companies by volume
- 99.3%
- answered on time
- Debt collection
- most-complained product
- 20
- states with complaints
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 |
|---|---|
| 2014 | 1 |
| 2015 | 2 |
| 2016 | 4 |
| 2017 | 1 |
| 2018 | 4 |
| 2019 | 4 |
| 2020 | 2 |
| 2021 | 15 |
| 2022 | 10 |
| 2023 | 16 |
| 2024 | 31 |
| 2025 | 48 |
| 2026 | 13 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Express Collections, Inc.
151 complaints against Express Collections, Inc. appear in the CFPB record, including 51 from the trailing year. The 20 states and territories represented put this footprint in multi-regional territory. The single largest complaint category is "Debt collection," 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 "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Express Collections, Inc.'s timely response rate stands at 99.3%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is at or above benchmark levels, a sign the company handles intake and escalation well. The company's response was formally disputed in 62.5% of resolved cases, indicating how frequently the initial fix fell short. Of complaints that were resolved, 2% closed with some form of monetary or non-monetary relief to the consumer.
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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
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 Express Collections, Inc. have?
The CFPB has logged 151 complaints against Express Collections, Inc. to date, of which 51 came in over the last 12 months.
Does Express Collections, Inc. respond to complaints on time?
Express Collections, Inc. has a 99.3% timely response rate to CFPB complaints. This is considered excellent.
What product generates the most complaints for Express Collections, Inc.?
"Debt collection" draws more CFPB complaints against Express Collections, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Express Collections, Inc.?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Express Collections, Inc. - see all issues and counts above.
How do I file a complaint against Express Collections, Inc.?
You can file a complaint against Express Collections, Inc. 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 Express Collections, Inc.?
Express Collections, Inc. has drawn CFPB complaints from 20 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~151)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.