Total CFPB complaints
4
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 4 complaints
Total Auto Finance — Debt Collector Complaint Profile
CFPB complaint profile across 2 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Total Auto Finance
- Attempts to collect debt not owed
Attempts to collect debt not owed
2 complaints
- False statements or representation
False statements or representation
1 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
1 complaints
F
Grade F · 46.4/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 "False statements or representation", narrowing to "Attempted to collect wrong amount", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 25% 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 2 states, led by Virginia with 3 and District of Columbia with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 46.4/100 places Total Auto Finance in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Falling ↓
States active
2
Distinct state filings
Timely response rate
25%
Within CFPB SLA window
Reputation grade
F
46.4/100 composite
Response-quality profile
How Total Auto Finance performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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?
Total Auto Finance 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)
2021-10 2024-12
Top Consumer Issues
False statements or representation1 (%)
Attempts to collect debt not owed2 (%)
Took or threatened to take negative or legal action1 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
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 |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 1 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
Where do complaints against Total Auto Finance come from?
The states where consumers have filed the most CFPB complaints against Total Auto Finance. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Total Auto Finance
Across 2 states with at least one filing
- Virginia
Virginia
3 complaints
- District of Columbia 1
District of Columbia
1 complaints
Frequently Asked Questions
What is the most common complaint against Total Auto Finance? ▼
The most common issue consumers report about Total Auto Finance is "False statements or representation", 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). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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).
What can I do if Total Auto Finance 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 Total Auto Finance 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 |