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

Data updated July 2026

F

Grade F · 49.6/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: Express Collections, Inc. ranks ahead of 14% of the 5,283 collectors PlainCollector grades - 86% keep a cleaner CFPB record, on 124 all-time complaints and a 99% timely-response rate.

14th pct
reputation rank of 5,283 graded collectors
124
CFPB complaints, all-time
99%
answered inside the CFPB window
38
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Express Collections, Inc.?

Express Collections, Inc. has accumulated 124 total CFPB complaints across 16 states, with 38 filed in the most recent 12 months against 86 historical complaints before that window. The trailing-12-month volume represents 30.6% 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". The company posts a 99% timely-response rate against a 63% consumer-dispute-after-response rate.

Complaints have been recorded across 16 states, led by Texas with 64 and South Dakota with 20. Normalized against the full CFPB collector database, the reputation score of 49.6/100 places Express Collections, Inc. in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

124

mid-volume (CCDB)

Last 12 months

38

30.6% of all-time complaints

Rising ↑

States active

16

regional footprint

Timely response rate

99%

excellent band

Consumer disputes

63%

high (vertical avg ~19%)

Reputation grade

F

49.6/100 composite

How does Express Collections, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

50 Bottom 14% higher than 14% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Express Collections, Inc. versus the debt-collection vertical average.

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) 62.5%
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?

How does Express Collections, Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Express Collections, I… 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.

Complaint Trend (24 months)

2020-08 2023-02

Issue Detail Breakdown

Issue Sub-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

What to do if Express Collections, Inc. contacts you

A grade of F signals how Express Collections, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Express Collections, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Express Collections, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 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: 49.6/100), 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).

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

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.