CFPB Consumer Complaint Profile
Exto Inc.
The CFPB complaints on file trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 97
- Total complaints
- Mid-range
- 73
- Last 12 months
- 100%
- Timely response
- Top decile
- 31
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Exto Inc. sits at #1343. On response speed it sits at the 86th percentile among companies with 100+ complaints.
- Credit card
- most-complained product
- TX
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
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.
Exto Inc. 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 13 in 2024 to 68 in 2025 (2024 → 2025).
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2024 | 13 |
| 2025 | 68 |
| 2026year in progress | 16 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Exto Inc.
The CFPB Consumer Complaint Database shows a multi-regional complaint footprint for Exto Inc., with consumers across the country filing against it. "Credit card" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Closing your account," a reasonable starting point for understanding recurring friction.
The timely-response measure counts forwarded complaints answered inside the Bureau's 15-day window. This company's rate is at or above the industry benchmark, which suggests its intake and escalation processes are functioning as designed. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
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.
Also handles Credit card
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Exto Inc. have?
97 complaints have been filed against Exto Inc. with the CFPB overall - 73 of them in the past year.
Does Exto Inc. respond to complaints on time?
Exto Inc.'s CFPB timely-response rate is 100%. This is considered excellent.
What product generates the most complaints for Exto Inc.?
The most complained-about product for Exto Inc. is "Credit card." You can view the full product breakdown on this page.
What is the most common complaint issue with Exto Inc.?
The most common issue reported by consumers about Exto Inc. is "Closing your account." All complaint issues are listed above with their counts.
How do I file a complaint against Exto Inc.?
You can file a complaint against Exto 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 Exto Inc.?
The CFPB has recorded complaints against Exto Inc. from 31 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.