Excel Finance Company
22 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Excel Finance Company complaint mix by product
- Debt collection 7 31.8% – 0% relief
- Payday loan, 6 27.3% – 0% relief
- Credit reporting 5 22.7% – 0% relief
- Credit reporting, 2 9.1% – 0% relief
- Payday loan, 1 4.5% – 100% relief
- Vehicle loan 1 4.5% – 0% relief
How Excel Finance Company's 22 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 7 |
| Payday loan, title loan, or personal loan | 6 |
| Credit reporting or other personal consumer reports | 5 |
| Credit reporting, credit repair services, or other personal consumer reports | 2 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
| Vehicle loan or lease | 1 |
Top States
| State | Complaints |
|---|---|
| TX | 14 |
| LA | 6 |
| NM | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Improper use of your report | 5 |
| Problem when making payments | 3 |
| Took or threatened to take negative or legal action | 2 |
| Communication tactics | 2 |
| Problem with additional add-on products or services | 1 |
| Written notification about debt | 1 |
| Problem with a company's investigation into an existing problem | 1 |
| Incorrect information on your report | 1 |
| Threatened to contact someone or share information improperly | 1 |
| Managing the loan or lease | 1 |
| Getting the loan | 1 |
| Struggling to pay your loan | 1 |
| Problem with a credit reporting company's investigation into an existing problem | 1 |
| Attempts to collect debt not owed | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2018 | 2 | 100% |
| 2019 | 5 | 100% |
| 2021 | 2 | 100% |
| 2022 | 1 | 100% |
| 2024 | 3 | 100% |
| 2025 | 5 | 100% |
| 2026 | 4 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Excel Finance Company
Excel Finance Company's 22 logged complaints stay concentrated: only 3 states show a filing on record. 45.5% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - an unusually well-documented record. Records run from 2018 through 2026-05-26.
Excel Finance Company answers 100% of complaints inside the CFPB's tracked window and closes 95.5% with a written explanation. 4.5% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Improper use of your report."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Excel Finance Company.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does Excel Finance Company have?
22, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Excel Finance Company respond to complaints on time?
100% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Excel Finance Company?
"Improper use of your report", filed under the "Debt collection" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.