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Data / Consumer complaints / Exto Inc. / Credit card

Exto Inc.: 167 CFPB complaints about credit card, last 3 years

Exto Inc. drew 167 consumer complaints about credit card in the CFPB database in the three years to November 6, 2026, 63.5% of its 263 complaints in that time. The most common issue was “Closing your account”. The company responded on time to 98.8% of them, and 0.0% 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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  • 167Complaints, last 3 years
  • 63.5%Share of the company's complaints
  • 98.8%Responded on time
  • 0.0%Closed with relief
  • Oct 28, 2026Latest received

By period

The three years are cut into 12 month periods ending on the date of the latest data.

PeriodComplaintsShare
12 months to Nov 6, 202612071.9%
12 months to Nov 6, 20254325.7%
12 months to Nov 6, 202442.4%

Issues

IssueComplaintsShare
Closing your account3822.8%
Other features, terms, or problems3420.4%
Problem with a purchase shown on your statement3319.8%
Advertising and marketing, including promotional offers159%
Trouble using your card148.4%
Fees or interest137.8%
Getting a credit card95.4%
Problem when making payments42.4%
Credit monitoring or identity theft protection services21.2%
Incorrect information on your report21.2%
Problem with a company's investigation into an existing problem21.2%
Improper use of your report10.6%

How the company responded

Company responseComplaintsShare
Closed with explanation167100%

States

Where the consumers who complained live, as they gave it to the CFPB.

StateComplaintsShare
Florida1911.4%
Texas1710.2%
California169.6%
Illinois95.4%
Pennsylvania95.4%
New York84.8%
Georgia74.2%
Virginia74.2%
Kentucky53%
Missouri53%
North Carolina53%
Oklahoma53%
Colorado42.4%
Ohio42.4%
Tennessee42.4%
Arkansas31.8%
Arizona31.8%
Iowa31.8%
Maryland31.8%
Michigan31.8%
Nebraska31.8%
South Carolina31.8%
West Virginia31.8%
Alabama21.2%
Delaware21.2%

Latest 25 complaints

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

ReceivedProductIssueCompany responseSource
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 20, 2026Credit cardGetting a credit cardClosed with explanationconsumerfinance.gov
October 17, 2026Credit cardOther features, terms, or problemsClosed with explanationconsumerfinance.gov
October 15, 2026Credit cardTrouble using your cardClosed with explanationconsumerfinance.gov
October 9, 2026Credit cardFees or interestClosed 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 10, 2026Credit cardOther features, terms, or problemsClosed with explanationconsumerfinance.gov
September 10, 2026Credit cardClosing your 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
August 27, 2026Credit cardTrouble using your cardClosed with explanationconsumerfinance.gov
August 26, 2026Credit cardOther features, terms, or problemsClosed with explanationconsumerfinance.gov
August 25, 2026Credit cardOther features, terms, or problemsClosed 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 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, 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

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.