What is the most common complaint against Total Financial Services, Inc?

The most common issue consumers report about Total Financial Services, Inc is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 4 complaints filed with the CFPB.

Are complaints against Total Financial Services, Inc increasing or decreasing?

Complaints against Total Financial Services, Inc are rising. The company received 2 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Total Financial Services, Inc's reputation grade?

Total Financial Services, Inc has a reputation grade of B (score: 69.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Total Financial Services, Inc respond to consumer complaints?

Total Financial Services, Inc has a 100% timely response rate to CFPB complaints.

In how many states does Total Financial Services, Inc operate?

Total Financial Services, Inc has received CFPB complaints from consumers in 3 states, with the most complaints from Ohio (2 complaints).

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

Total Financial Services, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 3 states, reputation grade B.

Compiled by PlainCollector

Attempts to collect debt not owed

2
Written notification about debt

1
False statements or representation

1

Data updated September 2026

CFPB complaint disposition

CCDB record total-financial-services-inc Total Financial Services, Inc

Grade B · 4 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #3526 · compose #1344

VOL 4
GRADE B
12MO 2
STATES 3
TIMELY 100%
ISSUE Attempts to collect debt n…
RANK #3,526
COMPOSE #1,344

Volume peers

Nearest volume peer: 90 Day Credit Experts (4 complaints)

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

Total Financial Services, Inc's 4 CFPB complaints sit next to 90 Day Credit Experts 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 →

State-heavy filing map

50.0% of Total Financial Services, Inc's CFPB filings land in Ohio

High volume does not equal a clean composite: Total Financial Services, Inc is volume #3,526 but composite #1,344, while Ohio dominates the geography. Corpus placement method.

Dominant state: Ohio 50.0%; 2 of 4 filings · 3 states touched
Spike month: 2020-02 100.0%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #3,526 volume; #1,344 composite; Cleanest-composite ladder is 2,182 places better than volume

How does Total Financial Services, Inc compare to its peers?

How does Total Financial Services, 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 Financial Servic… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

25%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2020-02 2020-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	2
Written notification about debt	1
False statements or representation	1

Where do complaints against Total Financial Services, Inc come from?

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

Ohio

2
Florida

1
Maryland

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Total Financial Services, 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: 4.

4 peers

Know your rights before responding to Total Financial Services, 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.