CFPB Consumer Complaint Profile
Total Auto Finance
Consumers have filed 28 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 28
- Total complaints
- Mid-range
- 0
- Last 12 months
- 75%
- Timely response
- Bottom decile
- 3
- States affected
The verdict
Total Auto Finance ranks #2422 of 3,843 financial companies by CFPB complaint volume, with 28 complaints on record. Its on-time response rate is 75%, the 7th percentile among companies with 100+ complaints.
- #2422
- of 3,843 companies by volume
- 75%
- on time (7th pctile)
- Vehicle loan or lease
- most-complained product
- 3
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Total Auto Finance vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
75% Among the lowest higher than 7% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 13 in 2024 to 3 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2021 | 2 |
| 2022 | 1 |
| 2023 | 9 |
| 2024 | 13 |
| 2025 | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Total Auto Finance
28 complaints against Total Auto Finance appear in the CFPB record, including 0 from the trailing year. The 3 states and territories represented put this footprint in geographically concentrated territory. No product draws more complaints than "Vehicle loan or lease," which sits at the top of the product breakdown. Inside that category, "Managing the loan or lease" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, Total Auto Finance posts a 75% reply rate on forwarded complaints. That is well below the 95% industry benchmark and is a material red flag, late or missing responses are one of the strongest predictors of CFPB supervisory interest. Among resolved complaints, the consumer-relief closure rate is 0%.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Total Auto Finance have?
The CFPB has logged 28 complaints against Total Auto Finance to date, of which 0 came in over the last 12 months.
Does Total Auto Finance respond to complaints on time?
Total Auto Finance's CFPB timely-response rate is 75%. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Total Auto Finance?
The most complained-about product for Total Auto Finance is "Vehicle loan or lease." You can view the full product breakdown on this page.
What is the most common complaint issue with Total Auto Finance?
The most common issue reported by consumers about Total Auto Finance is "Managing the loan or lease." All complaint issues are listed above with their counts.
How do I file a complaint against Total Auto Finance?
You can file a complaint against Total Auto Finance directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Total Auto Finance?
Consumers in 3 states and territories have filed complaints about Total Auto Finance with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Also handles Vehicle loan or lease
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Total Auto Finance have?
The CFPB has logged 28 complaints against Total Auto Finance to date, of which 0 came in over the last 12 months.
Does Total Auto Finance respond to complaints on time?
Total Auto Finance's CFPB timely-response rate is 75%. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Total Auto Finance?
The most complained-about product for Total Auto Finance is "Vehicle loan or lease." You can view the full product breakdown on this page.
What is the most common complaint issue with Total Auto Finance?
The most common issue reported by consumers about Total Auto Finance is "Managing the loan or lease." All complaint issues are listed above with their counts.
How do I file a complaint against Total Auto Finance?
You can file a complaint against Total Auto Finance directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Total Auto Finance?
Consumers in 3 states and territories have filed complaints about Total Auto Finance with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.