Debt collection
Total Card debt collection complaints
Consumers have filed 210 complaints about Total Card's debt collection, 1 in the last 12 months. Total Card answered 100% on time and closed 0% with relief. See the whole Total Card record.
Total Card against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Total Card | 1 | 100% | 0% |
Latest Total Card debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Aug 11, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Nov 8, 2025 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Sep 4, 2025 | Debt collection | Took or threatened to take negative or legal actionCollected or attempted to collect exempt funds | Explained |
| Jun 10, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jun 7, 2025 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| May 6, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Apr 23, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened to arrest you or take you to jail if you do not pay | Explained |
| Mar 13, 2025 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Feb 25, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jan 7, 2025 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Dec 13, 2024 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 11, 2024 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 4, 2024 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 24, 2024 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 23, 2024 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Sep 16, 2024 | Debt collection | False statements or representationTold you not to respond to a lawsuit they filed against you | Explained |
| Aug 30, 2024 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Mar 3, 2024 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Feb 8, 2024 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Jan 17, 2024 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Oct 23, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 13, 2023 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Jul 19, 2023 | Debt collection | False statements or representationImpersonated attorney, law enforcement, or government official | Explained |
| Jul 12, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 5, 2023 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| May 5, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 14, 2023 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Feb 7, 2023 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Jan 17, 2023 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Explained |
| Oct 25, 2022 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
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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