Debt collector · complaint record
Toledo Finance complaints
Filed under TOLEDO FINANCE CORPORATION
Consumers have filed 122 complaints about Toledo Finance since 2017, 56 of them in the last 12 months (+124% on the year before). It answered 100% on time and closed 0% with relief for the customer - less often than a typical debt collector. The most common problem is took or threatened to take negative or legal action.
Weak response record. How it works
- Complaints on record
- 122
- Last 12 months
- 56
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 4
- Rank
- #299 of 1,963
Since September 2017
+124% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Oct 31, 2026
Most complained-about debt collectors
Toledo Finance complaints by month
The busiest month was March 2026 (10 complaints). Complaints in the last 12 months are up 124% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Toledo Finance answered last 12 months
- Closed with explanation56100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers0/400% closed with relief
- Complaint trend0/15+124% vs last year
What Toledo Finance complaints are about
Top Toledo Finance problems last 12 months
Inside "Took or threatened to take negative or legal action"
- Threatened or suggested your credit would be damaged 22
- Threatened to arrest you or take you to jail if you do not pay 1
Where Toledo Finance complaints come from
Most complaints: Texas (103), Oklahoma (9), Arkansas (3), Arizona (2), Mississippi (2).
Toledo Finance compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Financial Management SolutionsDebt collection | 54 | 57 | C |
| 2 | Klima, Peters & Daly, P.ADebt collection | 53 | 57 | C |
| 3 | DRB-40Debt collection | 53 | 57 | C |
| 4 | Glasser and GlasserDebt collection | 60 | 57 | C |
| 5 | Javitch, Block & RathboneDebt collection | 60 | 57 | C |
| 6 | BC ServicesDebt collection | 0 | 56 | F |
| 7 | Fairway Capital RecoveryDebt collection | 55 | 56 | C |
| 8 | Toledo FinanceDebt collection | 45 | 56 | D |
Compare side by side: Toledo Finance vs Financial Management Solutions · Toledo Finance vs Klima, Peters & Daly, P.A · Toledo Finance vs DRB-40 · Toledo Finance vs Glasser and Glasser
What people say about Toledo Finance
All experiencesNo experiences with Toledo Finance yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Toledo Finance complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 31, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Oct 26, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Oct 26, 2026 | Payday & personal loans | Struggling to pay your loan | Explained |
| Oct 20, 2026 | Payday & personal loans | Struggling to pay your loan | Explained |
| Oct 1, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Sep 27, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 4, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 25, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Aug 19, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Aug 16, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Aug 2, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jul 25, 2026 | Payday & personal loans | Problem when making payments | Explained |
Questions about Toledo Finance
How many complaints does Toledo Finance have?
Toledo Finance has 122 complaints on record since September 2017, including 56 in the last 12 months and 4 in the last 30 days. That makes it number 641 of every company by complaints this year.
Does Toledo Finance respond to complaints?
Yes. Toledo Finance answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 45/100 (grade D).
What do people complain about most with Toledo Finance?
The most common problems are took or threatened to take negative or legal action (23), incorrect information on your report (21), problem with a company's investigation into an existing problem (10).
Is Toledo Finance legit?
Toledo Finance is a real company with a public complaint record: consumers have complained about it 122 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Toledo Finance legit? for the signals, red flags and how to protect yourself.
Are complaints about Toledo Finance going up or down?
Up. There were 56 complaints in the last 12 months against 25 in the 12 before (+124%). See every month.
How do I file a complaint against Toledo Finance?
Complain to Toledo Finance in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Toledo Finance complaints come from?
Most come from Texas (103), Oklahoma (9), Arkansas (3). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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