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Credit cards

Exto credit cards complaints

Consumers have filed 171 complaints about Exto's credit cards, 123 in the last 12 months (+180%). Exto answered 98.4% on time and closed 0% with relief. See the whole Exto record.

Exto against other credit card companies

#Company12 monthsChangeOn timeReliefAll time
1Capital One14,231+52%99.9%22%71,421
2Citibank12,511+54%99.9%42%69,867
3Synchrony9,417+55%95.9%20%46,487
4JPMorgan Chase7,363+30%100%21%48,168
5Bank of America6,335+62%99.3%39%37,295
6American Express5,838+29%98.7%23%33,782
7Wells Fargo3,702+44%99.9%27%19,609
8Bread Financial (Comenity)3,690+29%100%47%21,535
9Goldman Sachs Bank (Apple Card, Marcus)3,156+36%100%27%10,467
10Barclays US2,871+36%100%7%18,152
11U.S. Bank2,011+50%100%33%11,339
12TransUnion1,897-74%100%57%19,687
13Exto123+180%98.4%0%171

Every card issuer ranked

Latest Exto credit cards complaints

ReceivedAboutIssueStateAnswerOn time
Aug 8, 2026Credit cardsOther features, terms, or problemsProblem with balance transferTXExplainedYes
Aug 8, 2026Credit cardsGetting a credit cardCard opened without my consent or knowledgeCTExplainedYes
Aug 5, 2026Credit cardsClosing your accountCan't close your accountNVExplainedYes
Aug 4, 2026Credit cardsOther features, terms, or problemsOther problemMOExplainedYes
Aug 1, 2026Credit cardsClosing your accountCompany closed your accountGAExplainedYes
Jul 31, 2026Credit cardsFees or interestUnexpected increase in interest rateWAExplainedYes
Jul 30, 2026Credit cardsTrouble using your cardCan't use card to make purchasesCAExplainedYes
Jul 30, 2026Credit cardsCredit monitoring or identity theft protection servicesProblem canceling credit monitoring or identify theft protection serviceINExplainedYes
Jul 25, 2026Credit cardsOther features, terms, or problemsOther problemLAExplainedYes
Jul 24, 2026Credit cardsOther features, terms, or problemsProblem with customer serviceTXExplainedYes
Jul 22, 2026Credit cardsGetting a credit cardCard opened without my consent or knowledgeILExplainedYes
Jul 21, 2026Credit cardsAdvertising and marketing, including promotional offersConfusing or misleading advertising about the credit cardCOExplainedYes
Jul 19, 2026Credit cardsTrouble using your cardCan't use card to make purchasesFLExplainedYes
Jul 17, 2026Credit cardsClosing your accountCompany closed your accountMAExplainedYes
Jul 15, 2026Credit cardsOther features, terms, or problemsOther problemOKExplainedYes
Jul 14, 2026Credit cardsAdvertising and marketing, including promotional offersConfusing or misleading advertising about the credit cardILExplainedYes
Jul 14, 2026Credit cardsGetting a credit cardCard opened without my consent or knowledgeMOExplainedYes
Jul 13, 2026Credit cardsClosing your accountCan't close your accountNYExplainedYes
Jul 11, 2026Credit cardsProblem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statementWVExplainedYes
Jul 11, 2026Credit cardsProblem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statementPAExplainedYes
Jul 11, 2026Credit cardsTrouble using your cardCan't use card to make purchasesFLExplainedYes
Jul 9, 2026Credit cardsTrouble using your cardCan't use card to make purchasesALExplainedYes
Jul 9, 2026Credit cardsProblem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statementNYExplainedYes
Jul 8, 2026Credit cardsProblem with a purchase shown on your statementCard was charged for something you did not purchase with the cardMIExplainedYes
Jul 8, 2026Credit cardsOther features, terms, or problemsOther problemMDExplainedYes
Jul 7, 2026Credit cardsAdvertising and marketing, including promotional offersConfusing or misleading advertising about the credit cardAZExplainedYes
Jul 3, 2026Credit cardsAdvertising and marketing, including promotional offersDidn't receive advertised or promotional termsCAExplainedYes
Jul 2, 2026Credit cardsGetting a credit cardCard opened without my consent or knowledgeCAExplainedYes
Jul 2, 2026Credit cardsProblem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statementNEExplainedYes
Jun 28, 2026Credit cardsAdvertising and marketing, including promotional offersConfusing or misleading advertising about the credit cardMOExplainedYes

Your rights with credit card companies

Under the Fair Credit Billing Act you have 60 days from the statement date to dispute a billing error in writing, and the issuer must investigate. Your liability for unauthorized charges is capped at $50 by law (and usually zero in practice). Issuers must give 45 days' notice before raising your interest rate or most fees.

Scam warning: Your card company will never ask you to read out a full card number, PIN or one-time code on a call it made. Hang up and call the number on the back of the card.

General information, not legal advice; rules vary by state. Plain-English guides

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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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