Card issuer · complaint record
Total Card complaints
Filed under Total Card, Inc.
Consumers have filed 624 complaints about Total Card since 2013, 31 of them in the last 12 months (-30% on the year before). It answered 96.8% on time and closed 0% with relief for the customer - less often than a typical card issuer. The most common problem is incorrect information on your report. It is the 25th most complained-about of 52 credit card companies this year.
Weak response record. How it works
- Complaints on record
- 624
- Last 12 months
- 31
- Answered on time
- 96.8%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #25 of 52
Since October 2013
-30% vs the year before
Industry: 98.7%
Typical card issuer: 26%
Newest: Oct 9, 2026
Most complained-about credit card companies
Total Card complaints by month
The busiest month was October 2020 (16 complaints). Complaints in the last 12 months are down 30% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Total Card answered last 12 months
- Closed with explanation31100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time30/4596.8% on time
- Relief for customers0/400% closed with relief
- Complaint trend15/15-30% vs last year
What Total Card complaints are about
Top Total Card problems
Inside "Incorrect information on your report"
- Account information incorrect 47
- Account status incorrect 39
- Information belongs to someone else 31
- Public record information inaccurate 4
- Old information reappears or never goes away 4
- Personal information incorrect 2
Where Total Card complaints come from
Most complaints: California (84), Florida (59), Texas (54), Georgia (45), Illinois (30).
Total Card compared with other credit card companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Tilt FinanceCredit cards | 53 | 211 | C |
| 2 | Mercury Financial IntermediateCredit cards | 54 | 206 | C |
| 3 | ExtoCredit cards | 36 | 201 | D |
| 4 | TomoCreditCredit cards | 50 | 92 | C |
| 5 | ZendableCredit cards | 58 | 48 | C |
| 6 | FizzCredit cards | 0 | 42 | F |
| 7 | Fidem BaltimoreCredit cards | 45 | 36 | D |
| 8 | Total CardCredit cards | 45 | 31 | D |
Compare side by side: Total Card vs Tilt Finance · Total Card vs Mercury Financial Intermediate · Total Card vs Exto · Total Card vs TomoCredit
What people say about Total Card
All experiencesNo experiences with Total Card yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Total Card complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 9, 2026 | Credit cards | Fees or interestProblem with fees | Explained |
| Sep 29, 2026 | Credit cards | Struggling to pay your billCredit card company won't work with you while you're going through financial hardship | Explained |
| Sep 24, 2026 | Credit cards | Problem with a purchase shown on your statementCard was charged for something you did not purchase with the card | Explained |
| Sep 22, 2026 | Credit cards | Fees or interestProblem with fees | Explained |
| Sep 4, 2026 | Credit cards | Other features, terms, or problemsOther problem | Explained |
| Aug 14, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Aug 11, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jul 21, 2026 | Credit cards | Problem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statement | Explained |
| Jul 16, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Jul 15, 2026 | Credit cards | Closing your accountCompany closed your account | Explained |
| Jun 15, 2026 | Credit cards | Struggling to pay your billCredit card company won't work with you while you're going through financial hardship | Explained |
| May 26, 2026 | Credit cards | Getting a credit cardProblem getting a working replacement card | Explained |
Questions about Total Card
How many complaints does Total Card have?
Total Card has 624 complaints on record since October 2013, including 31 in the last 12 months and 0 in the last 30 days. That makes it number 871 of every company by complaints this year.
Does Total Card respond to complaints?
Yes. Total Card answered 96.8% 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 Total Card?
The most common problems are incorrect information on your report (128), problem with a purchase shown on your statement (33), improper use of your report (41).
Is Total Card legit?
Total Card is a real company with a public complaint record: consumers have complained about it 624 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Total Card legit? for the signals, red flags and how to protect yourself.
Are complaints about Total Card going up or down?
Down. There were 31 complaints in the last 12 months against 44 in the 12 before (-30%). See every month.
How do I file a complaint against Total Card?
Complain to Total Card 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 Card complaints come from?
Most come from California (84), Florida (59), Texas (54). 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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