Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:12/14/2024

  Type:Service or Repair Issues
  Status:

  UnansweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On Feb 20, 2024. I attempt to make my auto loan payment but was unsuccessful due to the online server been down. I contact Total Auto Finance about the issue but was unable to get in touch due to the phone number out of service. I then call the dealership ************* wasnt able to contact nobody there due to the number not in service. So I check my email and saw an email posted on Feb 1, 2024 stating that Total Auto transfer my service to Peritus and had a number listed. I call the number to get info on the acct and the male *** ask me for name and other info to verify me. Once verified I ask the guy can he provide me with my servicing letter so I know they can collect on my acct due to me just finding out my old lender is out of business. But he told me he wasnt able to help with that because I reach the bankrupt **** and place me on hold to be connected to customer service. That was unsucessful so he told me he was goin to put a note on my acct saying i call in to get my acct info and payment link. Now I couldnt understand how he can verified my info but couldnt give me my account info or a payment link. I did some research about the procedures of transfer servicing and it states that the old lender have to notify me 15 days before the effective date of the transfer. Total Auto Finance failed to do so. I didnt get that notification about an transfer of service. I end up checking my email on Feb 20, 2024 after fail attempt to get someone on the phone that the company effective on feb 1, 2024 stated the transfer and they was bankrupt. Peritus failed to send me notification after they received my transfer from Total Auto. Peritus sent me a debt collector letter instead of the transfer of service letter on 9/5/2024.I requested several time from customer service to sent out the proper document and they fail to do so. In my inclusion I requested that one or both company provide the tranfser contracts,payment history,court order paper and the return of my car.

• Initial Complaint

  Date:02/12/2024

  Type:Order Issues
  Status:

  UnansweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I'm not liable for this debt from TOTAL AUTO FINANCING L. I don't have a contract with TOTAL AUTO FINANCING L, They transferred my contract to AMERICAN CREDIT ACCEPTAN. My credit is reporting to car loans. It should be just One

• Initial Complaint

  Date:02/06/2024

  Type:Billing Issues
  Status:

  UnansweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Total Auto Finance has fraudulently opened 2 auto loans on my vehicle, I purchased April 5, 2023 from Caspian Auto House. Both auto loans show with Total Auto Finance however one of them they sent to American Credit Acceptance, they received payment of my loan from them without notifying me and continued to collect payment. *** requested a 10 day payoff multiple times in writing. The second time they responded with I will need to call them to discuss how my loan works. Ive also requested cancellation of my warranty without a response. American Credit Acceptance filed a fraud lawsuit against Total Auto Finance in October 2023. I have multiple emails from Total Auto Finance and Caspian Auto House stating car payments were to be sent directly to them, not American Credit Acceptance or Peritus. Then I receive an email stating they are under going reorganization under chapter 11 and ************************** will be servicing my loan however my payments are still to be made to Total Auto Finance. ************************** is a collection agency.

• Initial Complaint

  Date:12/28/2023

  Type:Service or Repair Issues
  Status:

  UnansweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Let me start by stating this company debited my account without my authorization. When I asked why did they do this I was told because I promised them a payment and didnt make it so they basically took. Not to mention the continuous harassment of phone calls from these people. I blocked my card so they cant debit it anymore. Then today I get a text message from *****. Everything has been mentioned on your contract please have a look at it. We are not harassing you but help you in case you have difficulty. Here I am putting all options to make a payment including cash.Options to Pay Online: ********************** Cash App: ************** Apple Pay: ************** Zelle: ************** And she called me three times today.

• Initial Complaint

  Date:11/28/2023

  Type:Service or Repair Issues
  Status:

  UnansweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My car was totaled lost my insurance paid what the car was worth total auto finance supposed to paid the rest off with my GAP insurance its been over 3 ************ its affecting my credit score

• Initial Complaint

  Date:11/18/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They are filing for bankruptcy from what the letter says and I and many other customers received a letter for another company requesting money being sent to another location. The dealer they do business with is ******* auto in Stafford is tied in to this . They are side company located out state is saying they are coming to repo our vehicles if we don't pay them ... ************************** has taken them to court to collect all its loans as a debt collector for ******* and total auto finance

  Business Response

  Date: 12/12/2023

  From: **************************** <************@totalautofinance.com>
  Date: Tue, Dec 12, 2023 at 1:31 PM
  Subject: ******** ********
  To: <************************************>
  Cc: ********** <*************************>, ************************* <***********@totalautofinance.com>
  
  Hello ****** -
  
  ************************** (*******) did not pursue legal action against Total Auto Finance (TAF). Total Auto Finance is currently undergoing reorganization under Chapter 11 and is still handling collections. As per the court order, Total Auto Finance remains the only servicing company, and all payments must be directed to TAF exclusively. If a customer reaches out to *******, they will be promptly advised to contact Total Auto Finance for payments, and any attempts to make payments through ******* will be blocked. Hence, if a customer fails to make a payment to TAF, we will proceed with repossession.

• Initial Complaint

  Date:07/21/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Bunch of crooks! I have had several cars from them and majority of them have been lemons.My husband was driving one that had engine issues that they said they fixed but really all they did was add another piece to the refurbished engine that ended up failing causing a near fatal car accident in November 2021 and another one that had air bags deploy while he was driving it! I had 3 vehicles that were deemed total losses in car accidents by my insurance. We also had gap insurance on each vehicle because according to ******* "its required" when financing a vehicle with them. But what they don't tell you is their gap insurance has a cap of $1800 so you're better off getting your own gap insurance that will pay more in event something were to happen. They prey on people who work hard for their money, they'll finance ANYONE with a pulse even if you don't have a real job they'll find a way to get you financed, and they count on the fact that people don't read and dig into their finance paperwork because they have a ton of fine print to get you caught up in their schemes ******* was paid $15,543.60 on the first vehicle + $1800 from gap insurance, second vehicle my insurance paid $15,478.03 plus $1800 from gap insurance, third vehicle they were paid $12,064.99 by my insurance and another $1800 from gap insurance. ******* decided to commit fraud and put them on my credit as "repossessions" WITH THE TOTAL AMOUNT FINANCED as if payments were never made on the vehicles. How can you repo something that's sitting in a junk yard totaled & deemed as a total loss by insurance? They wanted to double-dip and get paid more than twice for each vehicle, so they decided to report it to the credit bureaus INCORRECTLY. If the cars were repossessed, why is it that I never received any kind of final bill? I never received any repossession letter, which legally they have to provide. I never received anything from their janky "TOTAL AUTO FINANCE" about my car having a repossession order.

  Business Response

  Date: 08/11/2023

  Greetings,

  We (Total Auto Finance) researched complaint with ************. We found out that 1st loan customer had with ******** ****** ********** and after sale Dealerships are out of the picture as it is between lien holder and account holder. We do not have any idea what happened after customer had accident for the 1st car. As we know the 1st vehicle was 2014 ***** *** and per customer she involved to accident. We were lien holder for the 2nd loan. Loan was for 2011 *** * series. Customer involved in accident and Insurance and GAP paid off loan completely. We reported account as Paid off. Please see attached screenshot from our system. The last loan with TAF was issued back in 2021 and customer involved in accident with that car as well. Car totaled and after Insurance and GAP proceedings had negative balance. Customer financed high finance charges due bad payment history in previous loans which were not covered by Insurance and GAP. Per ******************* customer started putting complaints and bad reviews after she declined for new loan. 

  Thanks,

• Initial Complaint

  Date:05/28/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Total Auto Finance Inc ***************************************, Alexandria, VA ********* Account #: ********************, ********************Verification is #4 in debt validation law. Verification is a sworn statement/ affidavit of truth. I have also provided you with Black Law definition of verification below as you are partaking in willful non compliance 15 U.S.C. 1681n - Civil liability for willful noncompliance. I demand proof of delivery letter within 14 days of reporting account. I request certified mail tracking number. If you cant provide the requested information then I demand that you delete this tradeline asap and cease and desist all collection activity including reporting the account. I will take reasonable steps to get justice for the pain you caused me. In pleading. A certain formula with which all pleadings containing new affirmative matter must conclude, being in itself an averment that the party pleading is ready to establish the truth of what he has set forth. In practice. The examination of a writing for the purpose of ascertaining its truth; or a certificate or affidavit that it is true. Verification- is not identical with authentication. A notary may verify a mortgagees written statement of the actual amount of his claim, but need not authenticate the act by his seal. ****************************, 19 Ohio St. 291. Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. See ******** **************************, 134 111. 126, 25 N. E. 429; *********** v. ******* ****** Co. (C. C-) 65 Fed. 296; ********* v. Brooklyn, 6 App. Div. 127, 40 N. Y. Supp. 581. It was communicated to me to reach out to creditor to expedite the removal. As of the date of previous complaints, it has been over thirty days with no compliance to the Fair Credit Reporting Act (FCRA 15 U.S.C. 1681). By their findings, it is now my legal right to have these accounts and inquiries (FCRA 15 U.S.C. 1681n) removed.

  Business Response

  Date: 06/08/2023

  This customer is misleading. We find out in January 24th that car is in impound lot. Customer at that time was 27 days for monthly payment. We found out that car involved in accident and all attempts to reach customer was unsuccessful. We paid impound lot $1595 and then started Insurance claim. Insurance settled vehicle as total loss and it took them 2 month to pay proceedings. Then GAP claim started and they just paid off bad debt May 27th. This customer never paid late payments after November. Account was considered repossessed prior to Insurance settlement. Account was charged off and later recovery payments paid off bad debt. We will never do business with this customer. 

• Initial Complaint

  Date:04/06/2023

  Type:Order Issues
  Status:

  UnansweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Basically they repoed my vehicle for being 5 days late and my contract say it had to be 10 days late i just purchased the vehicle jan 26 my 60 days for me to get my money back and cancel the contract ended March 26 nd they came and took my vehicle 3 days after that they wont communicate back