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Data / Consumer complaints / Exto Inc.

Exto Inc.: 263 CFPB consumer complaints in the last 3 years

Exto Inc. drew 263 consumer complaints in the CFPB database in the three years to November 6, 2026, and 263 since 2024. The largest group, 167, was about credit card, and the most common issue was “Closing your account” with 38. The company responded on time to 98.5% of the complaints, and 1.9% closed with monetary or other relief.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

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  • 263Complaints, last 3 years
  • 263Complaints, all years
  • 98.5%Responded on time
  • 1.9%Closed with relief
  • 8Products
  • Nov 3, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 6180
202570
202413

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

ProductComplaintsShare
Credit card16763.5%
Credit reporting or other personal consumer reports3212.2%
Checking or savings account2810.6%
Debt collection155.7%
Debt or credit management72.7%
Money transfer, virtual currency, or money service62.3%
Payday loan, title loan, personal loan, or advance loan51.9%
Prepaid card31.1%

Issues

IssueComplaintsShare
Closing your account3814.4%
Other features, terms, or problems3412.9%
Problem with a purchase shown on your statement3312.5%
Incorrect information on your report249.1%
Advertising and marketing, including promotional offers155.7%
Managing an account155.7%
Trouble using your card145.3%
Fees or interest134.9%
Getting a credit card93.4%
Attempts to collect debt not owed72.7%
Closing an account62.3%
Improper use of your report62.3%
Credit monitoring or identity theft protection services51.9%
Problem with a company's investigation into an existing problem51.9%
Problem with a lender or other company charging your account51.9%
Problem when making payments41.5%
False statements or representation31.1%
Problem with customer service31.1%
Charged fees or interest you didn't expect20.8%
Charged upfront or unexpected fees20.8%
Confusing or missing disclosures20.8%
Managing, opening, or closing your mobile wallet account20.8%
Other transaction problem20.8%
Took or threatened to take negative or legal action20.8%
Unexpected or other fees20.8%

How the company responded

Company responseComplaintsShare
Closed with explanation25898.1%
Closed with monetary relief31.1%
Closed with non-monetary relief20.8%

States

StateComplaintsShare
Texas2810.6%
Florida2710.3%
California218%
New York155.7%
Georgia145.3%
Pennsylvania145.3%
Illinois134.9%
Tennessee103.8%
Michigan83%
Missouri83%
North Carolina83%
Oklahoma83%
Colorado72.7%
Virginia72.7%
Ohio62.3%
Arizona51.9%
Kentucky51.9%
Maryland51.9%
South Carolina51.9%
Alabama41.5%
Arkansas41.5%
Washington41.5%
West Virginia41.5%
Connecticut31.1%
Iowa31.1%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
November 3, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 30, 2026Money transfer, virtual currency, or money serviceUnauthorized transactions or other transaction problemClosed with explanationconsumerfinance.gov
October 28, 2026Credit cardProblem with a purchase shown on your statementClosed with explanationconsumerfinance.gov
October 27, 2026Credit cardProblem when making paymentsClosed with explanationconsumerfinance.gov
October 26, 2026Credit cardProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
October 26, 2026Credit cardTrouble using your cardClosed with explanationconsumerfinance.gov
October 23, 2026Checking or savings accountClosing an accountClosed with explanationconsumerfinance.gov
October 20, 2026Credit cardGetting a credit cardClosed with explanationconsumerfinance.gov
October 18, 2026Checking or savings accountOpening an accountClosed with explanationconsumerfinance.gov
October 17, 2026Debt or credit managementConfusing or missing disclosuresClosed with explanationconsumerfinance.gov
October 17, 2026Credit cardOther features, terms, or problemsClosed with explanationconsumerfinance.gov
October 16, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 15, 2026Credit cardTrouble using your cardClosed with explanationconsumerfinance.gov
October 9, 2026Credit cardFees or interestClosed with explanationconsumerfinance.gov
September 22, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
September 18, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 18, 2026Credit cardAdvertising and marketing, including promotional offersClosed with explanationconsumerfinance.gov
September 18, 2026Credit cardFees or interestClosed with explanationconsumerfinance.gov
September 14, 2026Checking or savings accountProblem with a lender or other company charging your accountClosed with explanationconsumerfinance.gov
September 10, 2026Credit cardOther features, terms, or problemsClosed with explanationconsumerfinance.gov
September 10, 2026Credit cardClosing your accountClosed with explanationconsumerfinance.gov
September 9, 2026Credit reporting or other personal consumer reportsCredit monitoring or identity theft protection servicesClosed with explanationconsumerfinance.gov
September 8, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
September 6, 2026Credit cardClosing your accountClosed with explanationconsumerfinance.gov
September 6, 2026Credit cardAdvertising and marketing, including promotional offersClosed with explanationconsumerfinance.gov
September 4, 2026Credit cardProblem with a purchase shown on your statementClosed with explanationconsumerfinance.gov
September 1, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 27, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
August 27, 2026Credit cardTrouble using your cardClosed with explanationconsumerfinance.gov
August 27, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
August 26, 2026Credit cardOther features, terms, or problemsClosed with explanationconsumerfinance.gov
August 25, 2026Checking or savings accountClosing an accountClosed with explanationconsumerfinance.gov
August 25, 2026Credit cardOther features, terms, or problemsClosed with explanationconsumerfinance.gov
August 24, 2026Money transfer, virtual currency, or money serviceTrouble accessing funds in your mobile or digital walletClosed with explanationconsumerfinance.gov
August 23, 2026Money transfer, virtual currency, or money serviceOther transaction problemClosed with explanationconsumerfinance.gov
August 23, 2026Credit cardClosing your accountClosed with explanationconsumerfinance.gov
August 21, 2026Credit cardProblem with a purchase shown on your statementClosed with explanationconsumerfinance.gov
August 19, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 19, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
August 19, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
August 18, 2026Credit cardGetting a credit cardClosed with explanationconsumerfinance.gov
August 17, 2026Credit cardProblem with a purchase shown on your statementClosed with explanationconsumerfinance.gov
August 16, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
August 16, 2026Credit cardOther features, terms, or problemsClosed with explanationconsumerfinance.gov
August 15, 2026Credit cardIncorrect information on your reportClosed with explanationconsumerfinance.gov
August 13, 2026Credit cardOther features, terms, or problemsClosed with explanationconsumerfinance.gov
August 12, 2026Credit cardFees or interestClosed with explanationconsumerfinance.gov
August 8, 2026Credit cardOther features, terms, or problemsClosed with explanationconsumerfinance.gov
August 8, 2026Credit cardGetting a credit cardClosed with explanationconsumerfinance.gov
August 5, 2026Credit cardClosing your accountClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.