CFPB Consumer Complaint Profile
Total Finance AC LLC
The CFPB complaints on file trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 21
- Total complaints
- Mid-range
- 0
- Last 12 months
- 85.7%
- Timely response
- Bottom quartile
- 4
- States affected
The verdict
Total Finance AC LLC ranks #2800 of 3,843 financial companies by CFPB complaint volume. On response speed it sits at the 13th percentile among companies with 100+ complaints.
- Vehicle loan or lease
- most-complained product
- IL
- state with the most 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 Finance AC LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
85.7% Among the lowest higher than 13% 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
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2015 | 6 |
| 2016 | 1 |
| 2017 | 5 |
| 2018 | 1 |
| 2019 | 3 |
| 2020 | 1 |
| 2021 | 1 |
| 2022 | 1 |
| 2023 | 1 |
| 2024 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Total Finance AC LLC
Total Finance AC LLC draws a geographically concentrated spread of CFPB complaints, filed by consumers in many parts of the country. "Vehicle loan or lease" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Managing the loan or lease," a reasonable starting point for understanding recurring friction.
The timely-response measure counts forwarded complaints answered inside the Bureau's 15-day window. This company's rate is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Total Finance AC LLC: 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 (25% here).
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 Finance AC LLC have?
Total Finance AC LLC has 21 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Total Finance AC LLC respond to complaints on time?
CFPB complaints against Total Finance AC LLC draw a 85.7% timely-response rate inside the expected window.
What product generates the most complaints for Total Finance AC LLC?
The most complained-about product for Total Finance AC LLC is "Vehicle loan or lease." You can view the full product breakdown on this page.
What is the most common complaint issue with Total Finance AC LLC?
The most common issue reported by consumers about Total Finance AC LLC is "Managing the loan or lease." All complaint issues are listed above with their counts.
How do I file a complaint against Total Finance AC LLC?
You can file a complaint against Total Finance AC LLC 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 Finance AC LLC?
Consumers in 4 states and territories have filed complaints about Total Finance AC LLC 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.