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 |
|---|---|---|---|
| Sep 11, 2019 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Sep 10, 2019 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Aug 31, 2019 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Jul 10, 2019 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 7, 2019 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jun 29, 2019 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jun 21, 2019 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jun 17, 2019 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jun 4, 2019 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| May 30, 2019 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| May 29, 2019 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 22, 2019 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Apr 22, 2019 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Apr 17, 2019 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 17, 2019 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 5, 2019 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Mar 27, 2019 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 13, 2019 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Feb 9, 2019 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Jan 24, 2019 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jan 24, 2019 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jan 8, 2019 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Dec 19, 2018 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Dec 7, 2018 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Nov 4, 2018 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 30, 2018 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 15, 2018 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 13, 2018 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Oct 9, 2018 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 11, 2018 | Debt collection | Attempts to collect debt not owedDebt is not yours | 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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