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

CFPB complaint data Grade F 4 complaints

Total Auto Finance - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade F.

Complaints by issue type

What consumers report about Total Auto Finance

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 46.4/100 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: Total Auto Finance ranks ahead of 9% of the 5,283 collectors PlainCollector grades - 91% keep a cleaner CFPB record, on 4 all-time complaints and a 25% timely-response rate.

9th pct
reputation rank of 5,283 graded collectors
4
CFPB complaints, all-time
25%
answered inside the CFPB window
0
in the last 12 months (falling)

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 Total Auto Finance?

Total Auto Finance has accumulated 4 total CFPB complaints across 2 states, with 0 filed in the most recent 12 months against 4 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Attempted to collect wrong amount". The company posts a 25% timely-response rate.

Complaints have been recorded across 2 states, led by Virginia with 3 and District of Columbia with 1. Normalized against the full CFPB collector database, the reputation score of 46.4/100 places Total Auto Finance in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

4

low-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

2

limited footprint

Timely response rate

25%

below sla band

Reputation grade

F

46.4/100 composite

How does Total Auto Finance's reputation rank nationally?

Reputation score vs. every graded collector

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

46 Bottom 9% higher than 9% 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

Total Auto Finance versus the debt-collection vertical average.

Timely response within SLA 25.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

State coverage breadth 3.6%

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

How does Total Auto Finance compare to its peers?

How does Total Auto Finance compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Total Auto Finance National average
Complaints (last 12 mo)lower is better
0
1
268
Timely-response ratehigher is better
25%
100%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-12 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 2
Took or threatened to take negative or legal action - 1
False statements or representation - 1

Where do complaints against Total Auto Finance come from?

Total Auto Finance's own per-state count, not a national baseline.

Top states by complaints against Total Auto Finance

Across 2 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Total Auto Finance contacts you

A grade of F signals how Total Auto Finance'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 Total Auto Finance 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 Total Auto Finance 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 Total Auto Finance? ▼

The most common issue consumers report about Total Auto Finance is "Attempts to collect debt not owed", specifically "Attempted to collect wrong amount". This is based on 4 complaints filed with the CFPB.

Are complaints against Total Auto Finance increasing or decreasing? ▼

Complaints against Total Auto Finance are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Total Auto Finance's reputation grade? ▼

Total Auto Finance has a reputation grade of F (score: 46.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Total Auto Finance respond to consumer complaints? ▼

Total Auto Finance has a 25% timely response rate to CFPB complaints.

In how many states does Total Auto Finance operate? ▼

Total Auto Finance has received CFPB complaints from consumers in 2 states, with the most complaints from Virginia (3 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.