Total CFPB complaints
113
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 113 complaints
Express Collections, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 16 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Express Collections, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
46 complaints
- Written notification about debt
Written notification about debt
19 complaints
- Took or threatened to take negative or legal action 14
Took or threatened to take negative or legal action
14 complaints
- False statements or representation 13
False statements or representation
13 complaints
- Communication tactics 3
Communication tactics
3 complaints
- Threatened to contact someone or share information improperly 2
Threatened to contact someone or share information improperly
2 complaints
F
Grade F · 49.6/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Express Collections, Inc.?
Express Collections, Inc. has accumulated 113 total CFPB complaints across 16 states, with 39 filed in the most recent 12 months against 74 historical complaints before that window. The trailing-12-month volume represents 34.5% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate against a 63% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 16 states, led by Texas with 55 and South Dakota with 19, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 49.6/100 places Express Collections, Inc. in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
39
34.5% of total history
Rising ↑
States active
16
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
63%
After company response
Reputation grade
F
49.6/100 composite
Response-quality profile
How Express Collections, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.1%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 100.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 28.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Express Collections, Inc. compare to its peers?
Express Collections, I… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2023-10 2026-03
Top Consumer Issues
Attempts to collect debt not owed46 (%)
Written notification about debt19 (%)
Took or threatened to take negative or legal action14 (%)
False statements or representation13 (%)
Communication tactics3 (%)
Threatened to contact someone or share information improperly2 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 21 |
| Written notification about debt | Didn't receive enough information to verify debt | 14 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 14 |
| Attempts to collect debt not owed | Debt was result of identity theft | 13 |
| False statements or representation | Attempted to collect wrong amount | 13 |
| Attempts to collect debt not owed | Debt was paid | 8 |
| Written notification about debt | Didn't receive notice of right to dispute | 5 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 4 |
| Communication tactics | Frequent or repeated calls | 3 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 2 |
Where do complaints against Express Collections, Inc. come from?
The states where consumers have filed the most CFPB complaints against Express Collections, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Express Collections, Inc.
Across 16 states with at least one filing
- Texas
Texas
55 complaints
- South Dakota 19
South Dakota
19 complaints
- Missouri 6
Missouri
6 complaints
- South Carolina 4
South Carolina
4 complaints
- Louisiana 4
Louisiana
4 complaints
- Arizona 4
Arizona
4 complaints
- Wyoming 4
Wyoming
4 complaints
- Georgia 3
Georgia
3 complaints
Frequently Asked Questions
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 113 complaints filed with the CFPB.
Are complaints against Express Collections, Inc. increasing or decreasing? ▼
Complaints against Express Collections, Inc. are rising. The company received 39 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: 49.6/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 (55 complaints).
What can I do if Express Collections, Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Express Collections, Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |