What is the most common complaint against Total Card, Inc.?

The most common issue consumers report about Total Card, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 209 complaints filed with the CFPB.

Are complaints against Total Card, Inc. increasing or decreasing?

Complaints against Total Card, Inc. are falling. The company received 2 complaints in the last 12 months, showing improvement over prior periods.

What is Total Card, Inc.'s reputation grade?

Total Card, Inc. has a reputation grade of D (score: 55.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Total Card, Inc. respond to consumer complaints?

Total Card, Inc. has a 97% timely response rate to CFPB complaints. Consumers disputed the company's response in 17% of cases.

In how many states does Total Card, Inc. operate?

Total Card, Inc. has received CFPB complaints from consumers in 39 states, with the most complaints from California (30 complaints).

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

Total Card, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 39 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

79
Cont'd attempts collect debt not owed

30
Written notification about debt

26
Took or threatened to take negative or legal action

23
Communication tactics

20
False statements or representation

16

Data updated September 2026

CFPB complaint disposition

CCDB record total-card-inc Total Card, Inc.

Grade D · 209 CFPB filings · 97% timely · lead issue: Attempts to collect debt not owed · vol #513 · compose #3311

VOL 209
GRADE D
12MO 2
STATES 39
TIMELY 97%
DISPUTE 17%
ISSUE Attempts to collect debt n…
RANK #513
COMPOSE #3,311

Volume peers

Nearest volume peer: Brown and Joseph, Ltd (209 complaints)

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

Total Card, Inc.'s 209 CFPB complaints sit next to Brown and Joseph, Ltd 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 →

Distributed filing map

Total Card, Inc. spreads filings across 39 states - California leads at only 14.4%

Despite a broad state map, Total Card, Inc. still sits volume #513 against composite #3,311 - the two RankMaps diverge by 2,798 places. Corpus placement method.

Most-even geography: Lead state under 15%; California still leads at 14.4% across 39 states
Seasonal peak: 2025-09 9.1%; 8–15% band · 3 filings
Divergent corpus ranks: #513 volume; #3,311 composite; Cleanest-composite ladder is 2,798 places worse than volume

How does Total Card, Inc. compare to its peers?

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

Total Card, Inc. National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

97%

86%

91%

Consumer-dispute ratelower is better

17%

28%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2021-06 2025-12

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	79
Cont'd attempts collect debt not owed	30
Written notification about debt	26
Took or threatened to take negative or legal action	23
Communication tactics	20
False statements or representation	16
Disclosure verification of debt	8
Threatened to contact someone or share information improperly	3
Improper contact or sharing of info	2
Taking/threatening an illegal action	2

Where do complaints against Total Card, Inc. come from?

Total Card, Inc.'s own per-state count, not a national baseline.

California

30
Florida

20
Texas

17
Georgia

13
Illinois

13
Maryland

9
Louisiana

7
North Carolina

7

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Total Card, Inc.: 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: 209.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 97.14285714285714%.

4 peers

Know your rights before responding to Total Card, Inc.: 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.