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 |
|---|---|---|---|
| Oct 17, 2022 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 14, 2022 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Sep 20, 2022 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 1, 2022 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Jun 2, 2022 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Explained |
| Apr 18, 2022 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Feb 22, 2022 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Dec 4, 2021 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Oct 22, 2021 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Aug 30, 2021 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Aug 26, 2021 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 22, 2021 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Jul 27, 2021 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Jul 15, 2021 | Debt collection | False statements or representationImpersonated attorney, law enforcement, or government official | Explained |
| Jul 13, 2021 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 12, 2021 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| May 4, 2021 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Apr 14, 2021 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Mar 31, 2021 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Feb 24, 2021 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Feb 19, 2021 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 15, 2021 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Feb 4, 2021 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jan 31, 2021 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jan 26, 2021 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Dec 22, 2020 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Nov 11, 2020 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 31, 2020 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Explained |
| Oct 30, 2020 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Oct 29, 2020 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | 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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