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

CFPB complaint data Grade D 48 complaints

Toledo Finance Corporation - Debt Collector Complaint Profile

CFPB complaint profile across 5 states, reputation grade D.

Complaints by issue type

What consumers report about Toledo Finance Corporation

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 53.7/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

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

The verdict

A reputation grade of D: Toledo Finance Corporation ranks ahead of 22% of the 5,283 collectors PlainCollector grades - 78% keep a cleaner CFPB record, on 48 all-time complaints and a 90% timely-response rate.

22nd pct
reputation rank of 5,283 graded collectors
48
CFPB complaints, all-time
90%
answered inside the CFPB window
25
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 Toledo Finance Corporation?

Toledo Finance Corporation has accumulated 48 total CFPB complaints across 5 states, with 25 filed in the most recent 12 months against 23 historical complaints before that window. The trailing-12-month volume represents 52.1% 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". The company posts a 90% timely-response rate.

Complaints have been recorded across 5 states, led by Texas with 40 and Oklahoma with 4. Normalized against the full CFPB collector database, the reputation score of 53.7/100 places Toledo Finance Corporation in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

48

low-volume (CCDB)

Last 12 months

25

52.1% of all-time complaints

Rising ↑

States active

5

regional footprint

Timely response rate

90%

good band

Reputation grade

D

53.7/100 composite

How does Toledo Finance Corporation's reputation rank nationally?

Reputation score vs. every graded collector

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

54 Bottom 22% higher than 22% 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%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 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

Toledo Finance Corporation versus the debt-collection vertical average.

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 8.9%

Share of US states + territories with at least one filed complaint against this collector.

How does Toledo Finance Corporation compare to its peers?

How does TOLEDO FINANCE CORPORATION compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
TOLEDO FINANCE CORPORA… National average
Complaints (last 12 mo)lower is better
25
22
268
Timely-response ratehigher is better
90%
89%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-08 2026-02

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against Toledo Finance Corporation

Across 5 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Toledo Finance Corporation contacts you

A grade of D signals how Toledo Finance Corporation'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 Toledo Finance Corporation 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 Toledo Finance Corporation 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 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: 53.7/100), 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).

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.