CFPB · Diversified product mix
Total Finance AC LLC
21 CFPB complaints · diversified mix (top product 33.3%) · top issue Managing the loan or lease.
Total Finance AC LLC: top product "Vehicle loan or lease" is only 33.3% of 21 - multi-bucket mix. Timely 85.7% · relief 14.3%. Allegations, not findings.
- Diversified product mix
- -83.3% filings 2015 to 2024
CFPB relief outcome brief
CCDB company total-finance-ac-llc
14.3% relief · 85.7% timely · 21 filings · Vehicle loan or lease
Same-product relief peers
Nearest relief peer: Ford Motor Credit Co. (14.4% relief)
Total Finance AC LLC closes 14.3% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Total Finance AC LLC scores strongest on timely response (75/100 percentile-benchmarked) and weakest on closed with explanation (65/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
67 / 100 percentile-benchmarked
14.3% of complaints closed with relief to the consumer
Timely response
75 / 100 percentile-benchmarked
85.7% of complaints answered inside the CFPB 15-day window
Closed with explanation
65 / 100 percentile-benchmarked
81% of complaints closed with an explanation to the consumer
Most of Total Finance AC LLC's 21 filings include narrative text
52.4% 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 Finance AC LLC complaint mix by product
- Vehicle loan 7 33.3% – 14% relief
- Consumer Loan 7 33.3% – 14% relief
- Debt collection 3 14.3% – 0% relief
- Credit reporting, 3 14.3% – 33% relief
- Payday loan, 1 4.8% – 0% relief
How Total Finance AC LLC's 21 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Vehicle loan or lease | 7 |
| Consumer Loan | 7 |
| Debt collection | 3 |
| Credit reporting, credit repair services, or other personal consumer reports | 3 |
| Payday loan, title loan, or personal loan | 1 |
Concentrated filing states for Total Finance AC LLC
Top states by attributed CFPB complaint volume for this company
- Leading state
- IL
- 71.4% of this company's filings
Total Finance AC LLC falling annual filings
Annual filing volume from the CFPB public database
- 2024
- 1
- -83.3% vs 2015
Top States
| State | Complaints |
|---|---|
| IL | 15 |
| WI | 2 |
| IN | 1 |
| PR | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Managing the loan or lease | 9 |
| Communication tactics | 3 |
| Problems when you are unable to pay | 3 |
| Incorrect information on your report | 2 |
| Problems at the end of the loan or lease | 1 |
| Loan payment wasn't credited to your account | 1 |
| Struggling to pay your loan | 1 |
| Improper use of your report | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2015 | 6 | 100% |
| 2016 | 1 | 100% |
| 2017 | 5 | 100% |
| 2018 | 1 | 100% |
| 2019 | 3 | 100% |
| 2020 | 1 | 100% |
| 2021 | 1 | 0% |
| 2022 | 1 | 0% |
| 2023 | 1 | 100% |
| 2024 | 1 | 0% |
Source: CFPB Consumer Complaint Database
Total Finance AC LLC spreads across product buckets
Total Finance AC LLC's 21 logged complaints stay concentrated: only 4 states show a filing. 52.4% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2015 through 2024-06-06.
Total Finance AC LLC answers 85.7% of complaints inside the CFPB's tracked window and closes 81% with a written explanation. 14.3% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Vehicle loan or lease" draws the most filings, most often for "Managing the loan or lease."
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 Finance AC LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Total Finance AC LLC: 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: 21.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 85.7%.
- Thunderbird Collection Specialists, Inc. Δ 0.0 pts · 203 complaints 85.7%timely
- AMCOL Systems, Inc. Δ 0.1 pts · 692 complaints 85.8%timely
- LTD Financial Services, L.P. Δ 0.2 pts · 427 complaints 85.9%timely
- Neighborhood Assistance Corporation of America ("NACA") Δ 0.2 pts · 145 complaints 85.5%timely
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 Finance AC LLC (85.7% timely; 14.3% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix