Auto lender · complaint record
Total Finance AC complaints
Filed under Total Finance AC LLC
Consumers have filed 21 complaints about Total Finance AC since 2015, none in the last 12 months. It answered 85.7% on time and closed 15% 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
- 21
- Last 12 months
- 0
- Answered on time
- 85.7%
- Closed with relief
- 15%
- Last 30 days
- 0
- Rank
- -
Since January 2015
new vs the year before
Industry: 98.2%
Typical auto lender: 9%
Newest: Jun 6, 2024
Total Finance AC complaints by month
The busiest month was March 2019 (3 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Total Finance AC answered all time
- Closed with monetary relief14.8%
- Closed with non-monetary relief29.5%
- Closed with explanation1781%
- Untimely response14.8%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Total Finance AC complaints are about
Top Total Finance AC problems
Inside "Managing the loan or lease"
- Billing problem 2
- Loan sold or transferred to another company 1
- Problem with additional products or services purchased with the loan 1
- Problem with fees charged 1
Where Total Finance AC complaints come from
Most complaints: Illinois (15), Wisconsin (2), Indiana (1), Puerto Rico (1).
Total Finance AC 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 Finance ACAuto loans & leases | - | 0 | - |
Compare side by side: Total Finance AC vs The Savings Group · Total Finance AC vs AC AutoPay LLC, Denver, CO Branch · Total Finance AC vs CARS Acquisition · Total Finance AC vs EA Holdings
What people say about Total Finance AC
All experiencesNo experiences with Total Finance AC yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Total Finance AC complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Jun 6, 2024 | Auto loans & leases | Problems at the end of the loan or leaseUnable to receive car title or other problem after the loan is paid off | No timely reply |
| Mar 10, 2023 | Credit reporting | Improper use of your reportReporting company used your report improperly | Fixed |
| Feb 9, 2022 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Oct 29, 2021 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jan 17, 2020 | Auto loans & leases | Managing the loan or leaseLoan sold or transferred to another company | Explained |
| Mar 25, 2019 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Explained |
| Mar 20, 2019 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Mar 12, 2019 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Jun 26, 2018 | Auto loans & leases | Struggling to pay your loanLender trying to repossess or disable the vehicle | Explained |
| Nov 4, 2017 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Explained |
| Oct 9, 2017 | Auto loans & leases | Managing the loan or leaseProblem with fees charged | Fixed |
| Aug 11, 2017 | Payday & personal loans | Loan payment wasn't credited to your account | Explained |
Questions about Total Finance AC
How many complaints does Total Finance AC have?
Total Finance AC has 21 complaints on record since January 2015, including 0 in the last 12 months and 0 in the last 30 days.
Does Total Finance AC respond to complaints?
Yes. Total Finance AC answered 85.7% of its complaints on time (within 15 days) and closed 15% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with Total Finance AC?
The most common problems are managing the loan or lease (9), communication tactics (3), problems when you are unable to pay (3).
Is Total Finance AC legit?
Total Finance AC is a real company with a public complaint record: consumers have complained about it 21 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Total Finance AC legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Total Finance AC?
Complain to Total Finance AC 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 Finance AC complaints come from?
Most come from Illinois (15), Wisconsin (2), Indiana (1). 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
Talk about Total Finance AC
No comments yet. Start the conversation - questions are welcome too.