CFPB · Diversified product mix
Total Card, Inc.
614 CFPB complaints · diversified mix (top product 34%) · top issue Incorrect information on your report.
Total Card, Inc.: top product "Debt collection" is only 34% of 614 - multi-bucket mix. Timely 98.5% · relief 0.2%. Allegations, not findings.
- Diversified product mix
- +400% filings 2013 to 2026
CFPB relief outcome brief
CCDB company total-card-inc
0.2% relief · 98.5% timely · 614 filings · Debt collection
Same-product relief peers
Nearest relief peer: NCB Management Services Inc. (0.2% relief)
Total Card, Inc. closes 0.2% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Total Card, Inc.'s 614 filings include narrative text
55.2% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
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 |
Nationwide filing states for Total Card, Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 13.7% of this company's filings
Total Card, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 20
- +400% vs 2013
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
Total Card, Inc. spreads across product buckets
Total Card, Inc.'s 614 logged complaints reach a nationwide footprint - 48 states have at least one filing. 55.2% of filings carry a written consumer narrative, 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..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Total Card, Inc.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 614.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 98.5%.
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.
Data sourced from official public datasets for Total Card, Inc. (98.5% timely; 0.2% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix