CFPB Consumer Complaint Profile
Total Card, Inc.
605 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 605
- Total complaints
- Above average
- 38
- Last 12 months
- 98.5%
- Timely response
- Above median
- 48
- States affected
The verdict
605 CFPB complaints put Total Card, Inc. at #452 out of 3,843 financial companies ranked by complaint volume. It posts a 98.5% on-time response rate, the 54th percentile among companies with 100+ complaints.
- #452
- of 3,843 companies by volume
- 98.5%
- on time (54th pctile)
- Credit reporting, cr…
- most-complained product
- 48
- 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 Card, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
98.5% Higher than most higher than 54% 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
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 |
|---|---|
| 2013 | 4 |
| 2014 | 17 |
| 2015 | 26 |
| 2016 | 21 |
| 2017 | 52 |
| 2018 | 79 |
| 2019 | 67 |
| 2020 | 89 |
| 2021 | 74 |
| 2022 | 46 |
| 2023 | 34 |
| 2024 | 46 |
| 2025 | 39 |
| 2026year in progress | 11 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Total Card, Inc.
605 complaints against Total Card, Inc. appear in the CFPB record, including 38 from the trailing year. The 48 states and territories represented put this footprint in nationwide territory. No product draws more complaints than "Credit reporting, credit repair services, or other personal consumer reports," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Incorrect information on your report" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against Total Card, Inc. draw a 98.5% reply rate inside the Bureau's 15-day window. That is at or above benchmark levels, a sign the company handles intake and escalation well. The company's response carried a 22.7% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, the consumer-relief closure rate is 0.2%.
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 Card, Inc. have?
605 complaints have been filed against Total Card, Inc. with the CFPB overall - 38 of them in the past year.
Does Total Card, Inc. respond to complaints on time?
Total Card, Inc.'s CFPB timely-response rate is 98.5%. That is a strong response record by CFPB standards.
What product generates the most complaints for Total Card, Inc.?
Among all products tied to Total Card, Inc., "Credit reporting, credit repair services, or other personal consumer reports" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Total Card, Inc.?
The most common issue reported by consumers about Total Card, Inc. is "Incorrect information on your report." All complaint issues are listed above with their counts.
How do I file a complaint against Total Card, Inc.?
You can file a complaint against Total Card, Inc. 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 Card, Inc.?
Consumers in 48 states and territories have filed complaints about Total Card, Inc. 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Total Card, Inc.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (22.7% here).
Also handles Credit reporting, credit repair services, or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Total Card, Inc. have?
605 complaints have been filed against Total Card, Inc. with the CFPB overall - 38 of them in the past year.
Does Total Card, Inc. respond to complaints on time?
Total Card, Inc.'s CFPB timely-response rate is 98.5%. That is a strong response record by CFPB standards.
What product generates the most complaints for Total Card, Inc.?
Among all products tied to Total Card, Inc., "Credit reporting, credit repair services, or other personal consumer reports" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Total Card, Inc.?
The most common issue reported by consumers about Total Card, Inc. is "Incorrect information on your report." All complaint issues are listed above with their counts.
How do I file a complaint against Total Card, Inc.?
You can file a complaint against Total Card, Inc. 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 Card, Inc.?
Consumers in 48 states and territories have filed complaints about Total Card, Inc. 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.