Card issuer · complaint record
Exto complaints
Filed under Exto Inc.
Consumers have filed 270 complaints about Exto since 2024, 201 of them in the last 12 months (+219% on the year before). It answered 98% on time and closed 0% with relief for the customer - less often than a typical card issuer. The most common problem is closing your account. It is the 20th most complained-about of 52 credit card companies this year.
Weak response record. How it works
- Complaints on record
- 270
- Last 12 months
- 201
- Answered on time
- 98%
- Closed with relief
- 0%
- Last 30 days
- 18
- Rank
- #20 of 52
Since August 2024
+219% vs the year before
Industry: 98.7%
Typical card issuer: 26%
Newest: Nov 8, 2026
Most complained-about credit card companies
Exto complaints by month
The busiest month was July 2026 (38 complaints). Complaints in the last 12 months are up 219% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Exto answered last 12 months
- Closed with explanation201100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time36/4598% on time
- Relief for customers0/400% closed with relief
- Complaint trend0/15+219% vs last year
What Exto complaints are about
Top Exto problems last 12 months
Inside "Closing your account"
- Can't close your account 29
- Company closed your account 11
Where Exto complaints come from
Most complaints: Florida (29), Texas (28), California (22), Pennsylvania (16), New York (15).
Exto compared with other credit card companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Bilt TechnologiesCredit cards | 8 | 681 | F |
| 2 | First National Bank of OmahaCredit cards | 70 | 649 | B |
| 3 | First Portfolio ServicingCredit cards | 53 | 480 | C |
| 4 | Imprint PaymentsCredit cards | 16 | 441 | F |
| 5 | Tilt FinanceCredit cards | 53 | 211 | C |
| 6 | Mercury Financial IntermediateCredit cards | 54 | 206 | C |
| 7 | ExtoCredit cards | 36 | 201 | D |
| 8 | TomoCreditCredit cards | 50 | 92 | C |
Compare side by side: Exto vs Bilt Technologies · Exto vs First National Bank of Omaha · Exto vs First Portfolio Servicing · Exto vs Imprint Payments
What people say about Exto
All experiencesNo experiences with Exto yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Exto complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 8, 2026 | Credit cards | Closing your accountCan't close your account | Explained |
| Nov 7, 2026 | Credit cards | Advertising and marketing, including promotional offersDidn't receive advertised or promotional terms | Explained |
| Nov 6, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Nov 3, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 3, 2026 | Credit cards | Fees or interestProblem with fees | Explained |
| Nov 1, 2026 | Bank accounts | Closing an accountCompany closed your account | Explained |
| Oct 30, 2026 | Money transfers & apps | Unauthorized transactions or other transaction problem | Explained |
| Oct 30, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Oct 28, 2026 | Credit cards | Problem with a purchase shown on your statementCard was charged for something you did not purchase with the card | Explained |
| Oct 27, 2026 | Credit cards | Problem when making paymentsProblem during payment process | Explained |
| Oct 27, 2026 | Credit cards | Closing your accountCan't close your account | Explained |
| Oct 26, 2026 | Credit cards | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
Questions about Exto
How many complaints does Exto have?
Exto has 270 complaints on record since August 2024, including 201 in the last 12 months and 18 in the last 30 days. That makes it number 333 of every company by complaints this year.
Does Exto respond to complaints?
Yes. Exto answered 98% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 36/100 (grade D).
What do people complain about most with Exto?
The most common problems are closing your account (40), problem with a purchase shown on your statement (33), other features, terms, or problems (34).
Is Exto legit?
Exto is a real company with a public complaint record: consumers have complained about it 270 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Exto legit? for the signals, red flags and how to protect yourself.
Are complaints about Exto going up or down?
Up. There were 201 complaints in the last 12 months against 63 in the 12 before (+219%). See every month.
How do I file a complaint against Exto?
Complain to Exto in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Exto complaints come from?
Most come from Florida (29), Texas (28), California (22). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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