Total CFPB complaints
210
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 210 complaints
Total Card, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 39 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Total Card, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
75 complaints
- Written notification about debt 26
Written notification about debt
26 complaints
- Cont'd attempts collect debt not owed 16
Cont'd attempts collect debt not owed
16 complaints
- False statements or representation 13
False statements or representation
13 complaints
- Took or threatened to take negative or legal action 9
Took or threatened to take negative or legal action
9 complaints
- Communication tactics 8
Communication tactics
8 complaints
D
Grade D · 58.5/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Total Card, Inc.?
Total Card, Inc. has accumulated 210 total CFPB complaints across 39 states, with 6 filed in the most recent 12 months against 204 historical complaints before that window. The trailing-12-month volume represents 2.9% 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 "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 97% timely-response rate against a 17% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 39 states, led by California with 30 and Florida with 20, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.5/100 places Total Card, Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
6
2.9% of total history
Falling ↓
States active
39
Distinct state filings
Timely response rate
97%
Within CFPB SLA window
Consumer disputes
17%
After company response
Reputation grade
D
58.5/100 composite
Response-quality profile
How Total Card, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 97.1%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 33.3%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 69.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Total Card, Inc. compare to its peers?
Total Card, Inc. 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)
2022-10 2025-11
Top Consumer Issues
Attempts to collect debt not owed75 (%)
Written notification about debt26 (%)
Cont'd attempts collect debt not owed16 (%)
False statements or representation13 (%)
Took or threatened to take negative or legal action9 (%)
Communication tactics8 (%)
Disclosure verification of debt8 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 30 |
| Attempts to collect debt not owed | Debt was result of identity theft | 25 |
| Attempts to collect debt not owed | Debt was paid | 20 |
| Written notification about debt | Didn't receive enough information to verify debt | 17 |
| Cont'd attempts collect debt not owed | Debt is not mine | 16 |
| False statements or representation | Attempted to collect wrong amount | 13 |
| Written notification about debt | Didn't receive notice of right to dispute | 9 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 9 |
| Communication tactics | Frequent or repeated calls | 8 |
| Disclosure verification of debt | Not given enough info to verify debt | 8 |
Where do complaints against Total Card, Inc. come from?
The states where consumers have filed the most CFPB complaints against Total Card, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Total Card, Inc.
Across 39 states with at least one filing
- California
California
30 complaints
- Florida
Florida
20 complaints
- Texas
Texas
17 complaints
- Georgia
Georgia
13 complaints
- Illinois
Illinois
13 complaints
- Maryland 9
Maryland
9 complaints
- Louisiana 7
Louisiana
7 complaints
- Pennsylvania 7
Pennsylvania
7 complaints
Frequently Asked Questions
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 210 complaints filed with the CFPB.
Are complaints against Total Card, Inc. increasing or decreasing? ▼
Complaints against Total Card, Inc. are falling. The company received 6 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: 58.5/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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).
What can I do if Total Card, Inc. 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 Card, Inc. 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 |