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

CFPB complaint data Grade F 124 complaints

Express Collections, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 16 states, reputation grade F.

Complaints by issue type

What consumers report about Express Collections, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 124
  • GRADE F
  • 12MO 38
  • STATES 16
  • TIMELY 99%
  • DISPUTE 63%
  • ISSUE Attempts to collect debt n…
  • RANK #740
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Central Research Inc (124 complaints)

Central Research IncCentral Research Inc124Constar Financial Services, LLCConstar Financial Services, …124Mid-South Adjustment Co., Inc.Mid-South Adjustment Co., In…124Express Collections, Inc. (this)Express Collections, Inc. (t…124Paradigm Assets, LLCParadigm Assets, LLC125
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 →

How the 124 complaints break down

Every complaint issue type on record for Express Collections, Inc., not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
46.9/100
Express Collections, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
124
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
99%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate D
63%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

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

Concentration is computed from this collector's company_states rows only, not a national baseline. 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
Corpus ranks
#740 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

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, Inc. National average
Complaints (last 12 mo)lower is better
38
13
268
Timely-response ratehigher is better
99%
92%
91%
Consumer-dispute ratelower is better
63%
27%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Express Collections, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 8 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 0%20%40%60%80%100%120% 0%20%40%60%80% Timely response rate (%) Dispute rate (%) Express Collections, Inc. vs. 7 similar-volume peers, by response speed and dispute rate Express Collections, Inc.Constar Financial Services, LLCGLOBAL SOLUTION BIZ LLC.Servatus CorporationHigh Point Asset IncUnited Credit and Collections Inc.Kramer & Frank, P.C.Applied Business Services, Inc.
Source: CFPB Consumer Complaint Database

Express Collections, Inc.'s complaint volume in context

Express Collections, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

124 Top 14% higher than 86% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). This entry sits in this band. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Express Collections, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
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.

Top states by complaints against Express Collections, Inc.

Across 16 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.