What is the most common complaint against Express Collections, Inc.?

The most common issue consumers report about Express Collections, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 124 complaints filed with the CFPB.

Are complaints against Express Collections, Inc. increasing or decreasing?

Complaints against Express Collections, Inc. are rising. The company received 38 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Express Collections, Inc.'s reputation grade?

Express Collections, Inc. has a reputation grade of F (score: 46.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Express Collections, Inc. respond to consumer complaints?

Express Collections, Inc. has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 63% of cases.

In how many states does Express Collections, Inc. operate?

Express Collections, Inc. has received CFPB complaints from consumers in 16 states, with the most complaints from Texas (64 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Express Collections, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 16 states, reputation grade F.

Compiled by PlainCollector

Attempts to collect debt not owed

49
Took or threatened to take negative or legal action

26
Written notification about debt

19
False statements or representation

16
Communication tactics

8
Threatened to contact someone or share information improperly

3

Data updated September 2026

CFPB complaint disposition

CCDB record express-collections-inc Express Collections, Inc.

Grade F · 124 CFPB filings · 99% timely · lead issue: Attempts to collect debt not owed · vol #740 · compose #4409

VOL 124
GRADE F
12MO 38
STATES 16
TIMELY 99%
DISPUTE 63%
ISSUE Attempts to collect debt n…
RANK #740
COMPOSE #4,409

Volume peers

Nearest volume peer: Central Research Inc (124 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Express Collections, Inc.'s 124 CFPB complaints sit next to Central Research 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

51.6% of Express Collections, Inc.'s CFPB filings land in Texas

High volume does not equal a clean composite: Express Collections, Inc. is volume #740 but composite #4,409, while Texas dominates the geography. Corpus placement method.

Dominant state: Texas 51.6%; 64 of 124 filings · 16 states touched
Seasonal peak: 2021-05 8.8%; 8–15% band · 5 filings
Divergent corpus ranks: #740 volume; #4,409 composite; Cleanest-composite ladder is 3,669 places worse than volume

How does Express Collections, Inc. compare to its peers?

How does Express Collections, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Express Collections, I… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

99%

92%

91%

Consumer-dispute ratelower is better

63%

27%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2020-08 2023-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	49
Took or threatened to take negative or legal action	26
Written notification about debt	19
False statements or representation	16
Communication tactics	8
Threatened to contact someone or share information improperly	3
Disclosure verification of debt	1
Improper contact or sharing of info	1
Electronic communications	1

Where do complaints against Express Collections, Inc. come from?

Express Collections, Inc.'s own per-state count, not a national baseline.

Texas

64
South Dakota

20
Missouri

6
Arizona

4
Louisiana

4
Mississippi

4
South Carolina

4
Wyoming

4

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Express Collections, Inc.: 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: 124.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.11504424778761%.

4 peers

Know your rights before responding to Express Collections, Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

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.