What is the most common complaint against Toledo Finance Corporation?

The most common issue consumers report about Toledo Finance Corporation is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 48 complaints filed with the CFPB.

Are complaints against Toledo Finance Corporation increasing or decreasing?

Complaints against Toledo Finance Corporation are rising. The company received 25 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Toledo Finance Corporation's reputation grade?

Toledo Finance Corporation has a reputation grade of D (score: 50.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Toledo Finance Corporation respond to consumer complaints?

Toledo Finance Corporation has a 90% timely response rate to CFPB complaints.

In how many states does Toledo Finance Corporation operate?

Toledo Finance Corporation has received CFPB complaints from consumers in 5 states, with the most complaints from Texas (40 complaints).

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

Toledo Finance Corporation - Debt Collector Complaint Profile

CFPB complaint profile across 5 states, reputation grade D.

Compiled by PlainCollector

Took or threatened to take negative or legal action

21
Attempts to collect debt not owed

10
Communication tactics

9
Threatened to contact someone or share information improperly

4
Written notification about debt

3
False statements or representation

1

Data updated September 2026

CFPB complaint disposition

CCDB record toledo-finance-corporation Toledo Finance Corporation

Grade D · 48 CFPB filings · 90% timely · lead issue: Took or threatened to take negative or legal action · vol #1230 · compose #4133

VOL 48
GRADE D
12MO 25
STATES 5
TIMELY 90%
ISSUE Took or threatened to take…
RANK #1,230
COMPOSE #4,133

Volume peers

Nearest volume peer: ABR Recovery Services LLC. (48 complaints)

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

Toledo Finance Corporation's 48 CFPB complaints sit next to ABR Recovery Services LLC. 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

83.3% of Toledo Finance Corporation's CFPB filings land in Texas

High volume does not equal a clean composite: Toledo Finance Corporation is volume #1,230 but composite #4,133, while Texas dominates the geography. Corpus placement method.

Dominant state: Texas 83.3%; 40 of 48 filings · 5 states touched
Seasonal peak: 2025-12 12.8%; 8–15% band · 5 filings
Divergent corpus ranks: #1,230 volume; #4,133 composite; Cleanest-composite ladder is 2,903 places worse than volume

How does Toledo Finance Corporation compare to its peers?

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

TOLEDO FINANCE CORPORA… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

90%

89%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-08 2026-02

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	21
Attempts to collect debt not owed	10
Communication tactics	9
Threatened to contact someone or share information improperly	4
Written notification about debt	3
False statements or representation	1

Where do complaints against Toledo Finance Corporation come from?

Toledo Finance Corporation's own per-state count, not a national baseline.

Texas

40
Oklahoma

4
Arizona

2
Florida

1
Minnesota

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Toledo Finance Corporation: 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: 48.

4 peers

Know your rights before responding to Toledo Finance Corporation: 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.