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

CFPB complaint data Grade D 209 complaints

Total Card, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 39 states, reputation grade D.

Complaints by issue type

What consumers report about Total Card, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 #125

  • VOL 209
  • GRADE D
  • 12MO 2
  • STATES 39
  • TIMELY 97%
  • DISPUTE 17%
  • ISSUE Attempts to collect debt n…
  • RANK #513
  • COMPOSE #125

Volume peers

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

Eastern Revenue, Inc.Eastern Revenue, Inc.208Brown and Joseph, LtdBrown and Joseph, Ltd209Total Card, Inc. (this)Total Card, Inc. (this)209Nelson and Kennard, LLPNelson and Kennard, LLP210Solidus Group LLC.Solidus Group LLC.210
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 →

How the 209 complaints break down

Every complaint issue type on record for Total Card, Inc., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
55.2/100
Total Card, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
209
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
97%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
17%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

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

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. 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
Corpus ranks
#513 volume
#125 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

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
2
20
268
Timely-response ratehigher is better
97%
86%
91%
Consumer-dispute ratelower is better
17%
28%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Total Card, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 70%80%90%100%110% 0%10%20%30%40%50%60% Timely response rate (%) Dispute rate (%) Total Card, Inc. vs. 9 similar-volume peers, by response speed and dispute rate Total Card, Inc.Brown and Joseph, LtdEastern Revenue, Inc.Solidus Group LLC.Knight Adjustment BureauNelson and Kennard, LLPTurning Point Solutions LLCCommunity Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)LANIER COLLECTIONS AGENCY AND SERVICES INCKohn Law Firm S.C.
Source: CFPB Consumer Complaint Database

Total Card, Inc.'s complaint volume in context

Total Card, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

209 Top 9% higher than 91% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Total Card, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
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.

Top states by complaints against Total Card, Inc.

Across 39 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.