CFPB · Narrative-heavy record
Exto Inc.
150 CFPB complaints · 45.3% with narratives · top issue Closing your account.
Exto Inc.: 45.3% of 150 filings include consumer narratives. Timely 100% · relief 3.3% · top product Credit card. Allegations, not findings.
- Narrative-heavy record
- +415.4% filings 2024 to 2026
CFPB relief outcome brief
CCDB company exto-inc
3.3% relief · 100% timely · 150 filings · Credit card
Same-product relief peers
Nearest relief peer: Bilt Technologies, Inc. (0.9% relief)
Exto Inc. closes 3.3% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Exto Inc.'s 150 filings include narrative text
45.3% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Exto Inc. complaint mix by product
- Credit card 102 68.5% – 0% relief
- Credit reporting 17 11.4% – 24% relief
- Checking or 13 8.7% – 0% relief
- Debt collection 8 5.4% – 13% relief
- Debt or 5 3.4% – 0% relief
- Money transfer, 3 2.0% – 0% relief
- Payday loan, 1 0.7% – 0% relief
How Exto Inc.'s 150 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Credit card | 102 |
| Credit reporting or other personal consumer reports | 17 |
| Checking or savings account | 13 |
| Debt collection | 8 |
| Debt or credit management | 5 |
| Money transfer, virtual currency, or money service | 3 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
| Prepaid card | 1 |
Where Exto Inc. complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 12% of this company's filings
Exto Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 67
- +415.4% vs 2024
Top States
| State | Complaints |
|---|---|
| TX | 18 |
| FL | 16 |
| NY | 10 |
| CA | 10 |
| PA | 8 |
| TN | 8 |
| GA | 8 |
| IL | 8 |
| NC | 5 |
| VA | 4 |
| OK | 4 |
| KY | 4 |
| MI | 4 |
| MO | 4 |
| MD | 3 |
| CO | 3 |
| SC | 3 |
| IA | 3 |
| AZ | 3 |
| WV | 3 |
Top Issues
| Issue | Complaints |
|---|---|
| Closing your account | 28 |
| Other features, terms, or problems | 22 |
| Problem with a purchase shown on your statement | 20 |
| Incorrect information on your report | 14 |
| Fees or interest | 9 |
| Managing an account | 7 |
| Advertising and marketing, including promotional offers | 7 |
| Trouble using your card | 6 |
| Problem with a lender or other company charging your account | 4 |
| Problem with a company's investigation into an existing problem | 3 |
| Problem when making payments | 3 |
| Improper use of your report | 3 |
| Attempts to collect debt not owed | 3 |
| Getting a credit card | 3 |
| Problem with customer service | 2 |
| Written notification about debt | 2 |
| Charged upfront or unexpected fees | 2 |
| Credit monitoring or identity theft protection services | 2 |
| Managing, opening, or closing your mobile wallet account | 2 |
| Communication tactics | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2024 | 13 | 100% |
| 2025 | 70 | 100% |
| 2026 | 67 | 100% |
Source: CFPB Consumer Complaint Database
Exto Inc.'s narrative-rich complaint ledger
Exto Inc.'s 150 logged complaints stay concentrated: only 36 states show a filing. 45.3% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2024 through 2026-06-17.
Exto Inc. answers 100% of complaints inside the CFPB's tracked window and closes 96% with a written explanation. 3.3% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Credit card" draws the most filings, most often for "Closing your account."
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 Exto Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Exto Inc.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 150.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
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.
Data sourced from official public datasets for Exto Inc. (100% timely; 3.3% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record