Data / Consumer complaints / Total Card, Inc.
Total Card, Inc.: 118 CFPB consumer complaints in the last 3 years
Total Card, Inc. drew 118 consumer complaints in the CFPB database in the three years to November 6, 2026, and 624 since 2013. The largest group, 49, was about credit reporting or other personal consumer reports, and the most common issue was “Incorrect information on your report” with 27. The company responded on time to 97.5% of the complaints, and 0.0% closed with monetary or other relief.
SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.
Watch this company's complaintsGet every credit reporting or other personal consumer reports companyGet credit reporting or other personal consumer reports in Texas
- 118Complaints, last 3 years
- 624Complaints, all years
- 97.5%Responded on time
- 0.0%Closed with relief
- 7Products
- Oct 9, 2026Latest received
Complaints by year
Every year the CFPB database holds for this company, by the date received.
| Year | Complaints |
|---|---|
| 2026, to Nov 6 | 30 |
| 2025 | 39 |
| 2024 | 46 |
| 2023 | 34 |
| 2022 | 46 |
| 2021 | 74 |
| 2020 | 89 |
| 2019 | 67 |
| 2018 | 79 |
| 2017 | 52 |
| 2016 | 21 |
| 2015 | 26 |
| 2014 | 17 |
| 2013 | 4 |
Products
Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.
| Product | Complaints | Share |
|---|---|---|
| Credit reporting or other personal consumer reports | 49 | 41.5% |
| Credit card | 45 | 38.1% |
| Debt collection | 20 | 16.9% |
| Checking or savings account | 1 | 0.8% |
| Debt or credit management | 1 | 0.8% |
| Payday loan, title loan, personal loan, or advance loan | 1 | 0.8% |
| Prepaid card | 1 | 0.8% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Incorrect information on your report | 27 | 22.9% |
| Improper use of your report | 16 | 13.6% |
| Attempts to collect debt not owed | 9 | 7.6% |
| Problem with a company's investigation into an existing problem | 9 | 7.6% |
| Fees or interest | 8 | 6.8% |
| Problem with a purchase shown on your statement | 8 | 6.8% |
| Problem when making payments | 7 | 5.9% |
| Trouble using your card | 6 | 5.1% |
| Took or threatened to take negative or legal action | 5 | 4.2% |
| Closing your account | 4 | 3.4% |
| Getting a credit card | 3 | 2.5% |
| Written notification about debt | 3 | 2.5% |
| False statements or representation | 2 | 1.7% |
| Struggling to pay your bill | 2 | 1.7% |
| Charged upfront or unexpected fees | 1 | 0.8% |
| Closing an account | 1 | 0.8% |
| Confusing or misleading advertising or marketing | 1 | 0.8% |
| Credit monitoring or identity theft protection services | 1 | 0.8% |
| Other features, terms, or problems | 1 | 0.8% |
| Problem with fraud alerts or security freezes | 1 | 0.8% |
| Problem with overdraft | 1 | 0.8% |
| Threatened to contact someone or share information improperly | 1 | 0.8% |
| Unable to get your credit report or credit score | 1 | 0.8% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 118 | 100% |
States
| State | Complaints | Share |
|---|---|---|
| Texas | 16 | 13.6% |
| California | 12 | 10.2% |
| Florida | 10 | 8.5% |
| Georgia | 10 | 8.5% |
| North Carolina | 7 | 5.9% |
| Michigan | 6 | 5.1% |
| Illinois | 5 | 4.2% |
| Maryland | 5 | 4.2% |
| New Jersey | 5 | 4.2% |
| Connecticut | 4 | 3.4% |
| Pennsylvania | 4 | 3.4% |
| Delaware | 3 | 2.5% |
| Nevada | 3 | 2.5% |
| Virginia | 3 | 2.5% |
| Washington | 3 | 2.5% |
| Alabama | 2 | 1.7% |
| District of Columbia | 2 | 1.7% |
| Louisiana | 2 | 1.7% |
| Ohio | 2 | 1.7% |
| Oklahoma | 2 | 1.7% |
| Tennessee | 2 | 1.7% |
| Utah | 2 | 1.7% |
| Arkansas | 1 | 0.8% |
| Arizona | 1 | 0.8% |
| Hawaii | 1 | 0.8% |
Latest 50 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| October 9, 2026 | Credit card | Fees or interest | Closed with explanation | consumerfinance.gov |
| September 29, 2026 | Credit card | Struggling to pay your bill | Closed with explanation | consumerfinance.gov |
| September 24, 2026 | Credit card | Problem with a purchase shown on your statement | Closed with explanation | consumerfinance.gov |
| September 22, 2026 | Credit card | Fees or interest | Closed with explanation | consumerfinance.gov |
| September 4, 2026 | Credit card | Other features, terms, or problems | Closed with explanation | consumerfinance.gov |
| August 14, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| August 11, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| July 21, 2026 | Credit card | Problem with a purchase shown on your statement | Closed with explanation | consumerfinance.gov |
| July 16, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| July 15, 2026 | Credit card | Closing your account | Closed with explanation | consumerfinance.gov |
| June 15, 2026 | Credit card | Struggling to pay your bill | Closed with explanation | consumerfinance.gov |
| May 26, 2026 | Credit card | Getting a credit card | Closed with explanation | consumerfinance.gov |
| May 25, 2026 | Credit card | Problem with a purchase shown on your statement | Closed with explanation | consumerfinance.gov |
| May 8, 2026 | Credit card | Problem with a purchase shown on your statement | Closed with explanation | consumerfinance.gov |
| April 14, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| April 11, 2026 | Credit card | Fees or interest | Closed with explanation | consumerfinance.gov |
| March 24, 2026 | Credit card | Problem with a purchase shown on your statement | Closed with explanation | consumerfinance.gov |
| March 14, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| March 6, 2026 | Credit card | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| February 18, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| February 14, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| February 12, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| February 5, 2026 | Credit card | Problem when making payments | Closed with explanation | consumerfinance.gov |
| February 4, 2026 | Credit card | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| February 2, 2026 | Credit card | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| January 30, 2026 | Credit card | Problem with a purchase shown on your statement | Closed with explanation | consumerfinance.gov |
| January 16, 2026 | Credit card | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| January 16, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| January 7, 2026 | Credit card | Getting a credit card | Closed with explanation | consumerfinance.gov |
| January 2, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| December 21, 2025 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| November 11, 2025 | Credit reporting or other personal consumer reports | Unable to get your credit report or credit score | Closed with explanation | consumerfinance.gov |
| November 8, 2025 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| November 8, 2025 | Credit card | Trouble using your card | Closed with explanation | consumerfinance.gov |
| November 6, 2025 | Credit card | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 9, 2025 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| October 5, 2025 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| October 4, 2025 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| September 4, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| September 3, 2025 | Credit card | Problem when making payments | Closed with explanation | consumerfinance.gov |
| September 1, 2025 | Credit card | Problem when making payments | Closed with explanation | consumerfinance.gov |
| August 21, 2025 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| August 2, 2025 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| June 13, 2025 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| June 10, 2025 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| June 7, 2025 | Debt collection | Threatened to contact someone or share information improperly | Closed with explanation | consumerfinance.gov |
| June 5, 2025 | Credit card | Trouble using your card | Closed with explanation | consumerfinance.gov |
| June 3, 2025 | Credit card | Credit monitoring or identity theft protection services | Closed with explanation | consumerfinance.gov |
| May 29, 2025 | Credit card | Closing your account | Closed with explanation | consumerfinance.gov |
| May 26, 2025 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
Also on SpecStream
- Every company with Credit reporting or other personal consumer reports complaints
- Every company with Credit card complaints
- Every company with Debt collection complaints
- Every company with Checking or savings account complaints
- Consumer complaints in Texas
- Consumer complaints in California
- Consumer complaints in Georgia
- All consumer complaints
Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.