Auto lender · complaint record
Total Auto Finance complaints
Consumers have filed 29 complaints about Total Auto Finance since 2021, 1 of them in the last 12 months. It answered 0% on time and closed 0% with relief for the customer. The most common problem is managing the loan or lease.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 29
- Last 12 months
- 1
- Answered on time
- 0%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #133 of 193
Since May 2021
new vs the year before
Industry: 98.2%
Typical auto lender: 9%
Newest: Jun 8, 2026
Most complained-about auto lenders
Total Auto Finance complaints by month
The busiest month was February 2024 (4 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Total Auto Finance answered all time
- Closed with explanation2896.6%
- Untimely response13.4%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Total Auto Finance complaints are about
Top Total Auto Finance problems
Inside "Managing the loan or lease"
- Loan sold or transferred to another company 4
- Problem with additional products or services purchased with the loan 2
- Problem with fees charged 1
- Billing problem 1
- Problem with the interest rate 1
Total Auto Finance compared with other auto lenders
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | The Savings GroupAuto loans & leases | 63 | 41 | C |
| 2 | AC AutoPay LLC, Denver, CO BranchAuto loans & leases | 60 | 38 | C |
| 3 | CARS AcquisitionAuto loans & leases | 81 | 34 | A |
| 4 | EA HoldingsAuto loans & leases | 3 | 33 | F |
| 5 | Innovate ManagedAuto loans & leases | 6 | 32 | F |
| 6 | Cooley EnterprisesAuto loans & leases | 8 | 31 | F |
| 7 | Challenge Financial ServicesAuto loans & leases | 5 | 27 | F |
| 8 | Total Auto FinanceAuto loans & leases | - | 1 | - |
Compare side by side: Total Auto Finance vs The Savings Group · Total Auto Finance vs AC AutoPay LLC, Denver, CO Branch · Total Auto Finance vs CARS Acquisition · Total Auto Finance vs EA Holdings
What people say about Total Auto Finance
All experiencesNo experiences with Total Auto Finance yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Total Auto Finance complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Jun 8, 2026 | Auto loans & leases | Managing the loan or leaseProblem with fees charged | No timely reply |
| Feb 3, 2025 | Auto loans & leases | Managing the loan or leaseLoan sold or transferred to another company | Explained |
| Jan 11, 2025 | Credit reporting | Problem with fraud alerts or security freezes | Explained |
| Jan 10, 2025 | Auto loans & leases | Problem with a company's investigation into an existing problemDifficulty submitting a dispute or getting information about a dispute over the phone | Explained |
| Dec 19, 2024 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 15, 2024 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Sep 20, 2024 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Aug 20, 2024 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Aug 12, 2024 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 21, 2024 | Auto loans & leases | RepossessionLoan balance remaining after the vehicle is repossessed and sold | Explained |
| May 29, 2024 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Apr 22, 2024 | Auto loans & leases | RepossessionDeficiency balance after repossession | Explained |
Questions about Total Auto Finance
How many complaints does Total Auto Finance have?
Total Auto Finance has 29 complaints on record since May 2021, including 1 in the last 12 months and 0 in the last 30 days. That makes it number 3,042 of every company by complaints this year.
Does Total Auto Finance respond to complaints?
Yes. Total Auto Finance answered 0% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with Total Auto Finance?
The most common problems are managing the loan or lease (9), incorrect information on your report (5), improper use of your report (2).
Is Total Auto Finance legit?
Total Auto Finance is a real company with a public complaint record: consumers have complained about it 29 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Total Auto Finance legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Total Auto Finance?
Complain to Total Auto 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 Total Auto Finance complaints come from?
Most come from Virginia (14), Maryland (11), District of Columbia (4). 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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