Total complaints
15
Filed since 2018
2026 data Public-data reference. official source
EXCEL FINANCE COMPANY
15 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
15 consumer complaints filed with the CFPB
This profile shows EXCEL FINANCE COMPANY's complaint history from CFPB public records. 15 consumers have filed complaints since 2018. The company has a 100% timely response rate and has provided relief in 0% of cases.
15
Total Complaints
100%
Timely Response
0%
Disputed
0%
Relief Provided
3
States Active
2018
Since
Timely response
100%
CFPB-tracked response window
Relief rate
0%
Closed with monetary or non-monetary relief
Timely response rate 100.0%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 0.0%
Industry median
Share closed with monetary or non-monetary relief.
EXCEL FINANCE COMPANY complaint mix by product
- Debt collection 5 33.3% – 0% relief
- Payday loan, 5 33.3% – 0% relief
- Credit reporting, 2 13.3% – 0% relief
- Credit reporting 2 13.3% – 0% relief
- Vehicle loan 1 6.7% – 0% relief
How EXCEL FINANCE COMPANY's 15 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 5 |
| Payday loan, title loan, or personal loan | 5 |
| Credit reporting, credit repair services, or other personal consumer reports | 2 |
| Credit reporting or other personal consumer reports | 2 |
| Vehicle loan or lease | 1 |
Top States
| State | Complaints |
|---|---|
| TX | 7 |
| LA | 6 |
| NM | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Communication tactics | 2 |
| Improper use of your report | 2 |
| Problem when making payments | 2 |
| Managing the loan or lease | 1 |
| Getting the loan | 1 |
| Incorrect information on your report | 1 |
| Problem with a company's investigation into an existing problem | 1 |
| Took or threatened to take negative or legal action | 1 |
| Written notification about debt | 1 |
| Problem with a credit reporting company's investigation into an existing problem | 1 |
| Attempts to collect debt not owed | 1 |
| Struggling to pay your loan | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2018 | 2 | 100% |
| 2019 | 4 | 100% |
| 2021 | 2 | 100% |
| 2022 | 1 | 100% |
| 2024 | 1 | 100% |
| 2025 | 3 | 100% |
| 2026 | 2 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About EXCEL FINANCE COMPANY
EXCEL FINANCE COMPANY has accumulated 15 consumer complaints in the CFPB public database, with filings active across 3 U.S. states. Of those submissions, 4 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to 2018, and the most recent logged activity is 2026-02-19, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, EXCEL FINANCE COMPANY reports a 100% timely-response rate and has closed 100% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "Debt collection", and the single most common underlying issue is "Communication tactics".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating EXCEL FINANCE COMPANY: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
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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?
EXCEL FINANCE COMPANY has received 15 consumer complaints filed with the Consumer Financial Protection Bureau.
Does EXCEL FINANCE COMPANY respond to complaints on time?
EXCEL FINANCE COMPANY has a 100% timely response rate to CFPB complaints.
What is the most common complaint about EXCEL FINANCE COMPANY?
The most common issue reported against EXCEL FINANCE COMPANY is "Communication tactics" in the "Debt collection" product category.
Read our methodology — how this data is sourced, computed, and verified.
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