Total Card, Inc.
614 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Total Card, Inc. complaint mix by product
- Debt collection 209 34.3% – 0% relief
- Credit reporting, 162 26.6% – 0% relief
- Credit card 128 21.0% – 0% relief
- Credit card 59 9.7% – 2% relief
- Credit reporting 50 8.2% – 0% relief
- Prepaid card 1 0.2% – 0% relief
- Checking or 1 0.2% – 0% relief
How Total Card, Inc.'s 614 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 209 |
| Credit reporting, credit repair services, or other personal consumer reports | 162 |
| Credit card or prepaid card | 128 |
| Credit card | 59 |
| Credit reporting or other personal consumer reports | 50 |
| Prepaid card | 1 |
| Checking or savings account | 1 |
| Debt or credit management | 1 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
| Consumer Loan | 1 |
| Money transfer, virtual currency, or money service | 1 |
Top States
| State | Complaints |
|---|---|
| CA | 84 |
| FL | 58 |
| TX | 54 |
| GA | 43 |
| IL | 30 |
| MD | 26 |
| NC | 24 |
| PA | 22 |
| OH | 19 |
| NJ | 18 |
| MI | 18 |
| AL | 17 |
| CT | 16 |
| SC | 15 |
| VA | 13 |
| LA | 13 |
| AZ | 12 |
| TN | 10 |
| AR | 10 |
| MN | 8 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 127 |
| Attempts to collect debt not owed | 79 |
| Problem with a credit reporting company's investigation into an existing problem | 47 |
| Improper use of your report | 41 |
| Problem with a purchase shown on your statement | 31 |
| Cont'd attempts collect debt not owed | 30 |
| Written notification about debt | 26 |
| Fees or interest | 24 |
| Problem when making payments | 24 |
| Took or threatened to take negative or legal action | 23 |
| Closing your account | 21 |
| Communication tactics | 20 |
| False statements or representation | 16 |
| Getting a credit card | 16 |
| Trouble using your card | 15 |
| Other features, terms, or problems | 13 |
| Problem with a company's investigation into an existing problem | 9 |
| Billing disputes | 9 |
| Disclosure verification of debt | 8 |
| Threatened to contact someone or share information improperly | 3 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 4 | 100% |
| 2014 | 17 | 100% |
| 2015 | 26 | 96.2% |
| 2016 | 21 | 81% |
| 2017 | 52 | 98.1% |
| 2018 | 79 | 100% |
| 2019 | 67 | 100% |
| 2020 | 89 | 100% |
| 2021 | 74 | 100% |
| 2022 | 46 | 97.8% |
| 2023 | 34 | 97.1% |
| 2024 | 46 | 97.8% |
| 2025 | 39 | 100% |
| 2026 | 20 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Total Card, Inc.
Total Card, Inc.'s 614 logged complaints reach a nationwide footprint - 48 states have at least one filing on record. 55.2% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - an unusually well-documented record. Records run from 2013 through 2026-05-26.
Total Card, Inc. answers 98.5% of complaints inside the CFPB's tracked window and closes 99.3% with a written explanation. 0.2% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Incorrect information on your report."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Total Card, Inc..
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does Total Card, Inc. have?
614, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Total Card, Inc. respond to complaints on time?
98.5% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Total Card, Inc.?
"Incorrect information on your report", filed under the "Debt collection" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.