Debt collection
Exto debt collection complaints
Consumers have filed 15 complaints about Exto's debt collection, 10 in the last 12 months. Exto answered 100% on time and closed 0% with relief. See the whole Exto record.
Exto against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Exto | 10 | 100% | 0% |
Latest Exto debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 3, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 1, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Aug 19, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 16, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jul 26, 2026 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
| Jul 23, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jul 8, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| May 15, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 17, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Jan 31, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Aug 30, 2025 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Jun 30, 2025 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| May 21, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Dec 21, 2024 | Debt collection | False statements or representationAttempted to collect wrong amount | Money back |
| Dec 5, 2024 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
General information, not legal advice; rules vary by state. Plain-English guides
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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