Total CFPB complaints
40
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 40 complaints
TOLEDO FINANCE CORPORATION — Debt Collector Complaint Profile
CFPB complaint profile across 4 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about TOLEDO FINANCE CORPORATION
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
13 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
10 complaints
- Communication tactics
Communication tactics
9 complaints
- Threatened to contact someone or share information improperly 4
Threatened to contact someone or share information improperly
4 complaints
- Written notification about debt 3
Written notification about debt
3 complaints
- False statements or representation 1
False statements or representation
1 complaints
D
Grade D · 53.7/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about TOLEDO FINANCE CORPORATION?
TOLEDO FINANCE CORPORATION has accumulated 40 total CFPB complaints across 4 states, with 18 filed in the most recent 12 months against 22 historical complaints before that window. The trailing-12-month volume represents 45.0% 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 "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 90% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 4 states, led by Texas with 36 and Oklahoma with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 53.7/100 places TOLEDO FINANCE CORPORATION in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
18
45.0% of total history
Rising ↑
States active
4
Distinct state filings
Timely response rate
90%
Within CFPB SLA window
Reputation grade
D
53.7/100 composite
Response-quality profile
How TOLEDO FINANCE CORPORATION performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 90.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 7.1%
Share of US states + territories with at least one filed complaint against this collector.
How does TOLEDO FINANCE CORPORATION compare to its peers?
TOLEDO FINANCE CORPORA… 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)
2018-05 2026-03
Top Consumer Issues
Took or threatened to take negative or legal action13 (%)
Communication tactics9 (%)
Attempts to collect debt not owed10 (%)
Threatened to contact someone or share information improperly4 (%)
Written notification about debt3 (%)
False statements or representation1 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
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 |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 13 |
| Communication tactics | Frequent or repeated calls | 5 |
| Attempts to collect debt not owed | Debt is not yours | 5 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 4 |
| Attempts to collect debt not owed | Debt was result of identity theft | 3 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 3 |
| Written notification about debt | Didn't receive enough information to verify debt | 3 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 2 |
| Threatened to contact someone or share information improperly | Contacted your employer | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
Where do complaints against TOLEDO FINANCE CORPORATION come from?
The states where consumers have filed the most CFPB complaints against TOLEDO FINANCE CORPORATION. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against TOLEDO FINANCE CORPORATION
Across 4 states with at least one filing
- Texas
Texas
36 complaints
- Oklahoma 2
Oklahoma
2 complaints
- Florida 1
Florida
1 complaints
- Minnesota 1
Minnesota
1 complaints
Frequently Asked Questions
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 40 complaints filed with the CFPB.
Are complaints against TOLEDO FINANCE CORPORATION increasing or decreasing? ▼
Complaints against TOLEDO FINANCE CORPORATION are rising. The company received 18 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: 53.7/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 4 states, with the most complaints from Texas (36 complaints).
What can I do if TOLEDO FINANCE CORPORATION 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 TOLEDO FINANCE CORPORATION 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 |