This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
Excel Finance Company - Debt Collector Complaint Profile
CFPB complaint profile across 2 states, reputation grade B.
Complaints by issue type
What consumers report about Excel Finance Company
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
2 complaints
- Communication tactics
Communication tactics
2 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
1 complaints
- Written notification about debt
Written notification about debt
1 complaints
- Threatened to contact someone or share information improperly
Threatened to contact someone or share information improperly
1 complaints
Data updated September 2026
CFPB complaint disposition
CCDB record excel-finance-company Excel Finance Company
Grade B · 7 CFPB filings · 100% timely · lead issue: Took or threatened to take negative or legal action · vol #2815 · compose #1753
- VOL 7
- GRADE B
- 12MO 4
- STATES 2
- TIMELY 100%
- ISSUE Took or threatened to take…
- RANK #2,815
- COMPOSE #1,753
Volume peers
Nearest volume peer: Account Services Inc. (7 complaints)
Excel Finance Company's 7 CFPB complaints sit next to Account Services Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →
State-heavy filing map
71.4% of Excel Finance Company's CFPB filings land in Texas
High volume does not equal a clean composite: Excel Finance Company is volume #2,815 but composite #1,753, while Texas dominates the geography. Corpus placement method.
- Dominant state
- Texas 71.4%
- 5 of 7 filings · 2 states touched
- Seasonal peak
- 2016-10 14.3%
- 8–15% band · 3 filings
- Divergent corpus ranks
- #2,815 volume
- #1,753 composite
- Cleanest-composite ladder is 1,062 places better than volume
How does Excel Finance Company compare to its peers?
Source: CFPB Consumer Complaint Database.
Complaint Trend (24 months)
Issue Detail Breakdown
| Issue | Complaints |
|---|---|
| Took or threatened to take negative or legal action | 2 |
| Communication tactics | 2 |
| Attempts to collect debt not owed | 1 |
| Written notification about debt | 1 |
| Threatened to contact someone or share information improperly | 1 |
Where do complaints against Excel Finance Company come from?
Excel Finance Company's own per-state count, not a national baseline.
Top states by complaints against Excel Finance Company
Across 2 states with at least one filing
- Texas
Texas
5 complaints
- New Mexico 1
New Mexico
1 complaints
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainCollector-derived comparison paths for Excel Finance Company: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest collectors by total CFPB complaints. This record: 7.
Know your rights before responding to Excel Finance Company: FDCPA rights guide · debt validation letter · rights library.
According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.
Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.
| Publisher | PlainCollector |
| Sources | the CFPB Consumer Complaint Database |