D. Scott Carruthers
168 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
D. Scott Carruthers complaint mix by product
- Debt collection 155 92.3% – 3% relief
- Payday loan, 4 2.4% – 0% relief
- Credit reporting, 4 2.4% – 0% relief
- Consumer Loan 3 1.8% – 0% relief
- Student loan 2 1.2% – 0% relief
How D. Scott Carruthers's 168 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 155 |
| Payday loan, title loan, or personal loan | 4 |
| Credit reporting, credit repair services, or other personal consumer reports | 4 |
| Consumer Loan | 3 |
| Student loan | 2 |
Top States
| State | Complaints |
|---|---|
| CA | 152 |
| MA | 2 |
| AZ | 2 |
| VA | 2 |
| HI | 1 |
| NE | 1 |
| FL | 1 |
| NJ | 1 |
| SC | 1 |
| AL | 1 |
| NC | 1 |
| WI | 1 |
| IL | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Communication tactics | 47 |
| Taking/threatening an illegal action | 19 |
| Improper contact or sharing of info | 19 |
| False statements or representation | 14 |
| Cont'd attempts collect debt not owed | 13 |
| Took or threatened to take negative or legal action | 13 |
| Disclosure verification of debt | 8 |
| Attempts to collect debt not owed | 8 |
| Threatened to contact someone or share information improperly | 7 |
| Written notification about debt | 7 |
| Struggling to pay your loan | 3 |
| Can't repay my loan | 2 |
| Managing the loan or lease | 2 |
| Incorrect information on your report | 2 |
| Problem with a credit reporting company's investigation into an existing problem | 2 |
| Problems when you are unable to pay | 1 |
| Problem with the payoff process at the end of the loan | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 8 | 0% |
| 2015 | 39 | 28.2% |
| 2016 | 42 | 38.1% |
| 2017 | 29 | 20.7% |
| 2018 | 26 | 100% |
| 2019 | 9 | 100% |
| 2020 | 7 | 85.7% |
| 2021 | 7 | 71.4% |
| 2023 | 1 | 0% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About D. Scott Carruthers
D. Scott Carruthers's 168 logged complaints stay concentrated: only 13 states show a filing on record. 52.4% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - an unusually well-documented record. Records run from 2014 through 2023-02-28.
D. Scott Carruthers answers 47% of complaints inside the CFPB's tracked window and closes 54.8% with a written explanation. 2.4% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Communication tactics."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about D. Scott Carruthers.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does D. Scott Carruthers have?
168, per the CFPB's public complaint count for this company (see the full breakdown above).
Does D. Scott Carruthers respond to complaints on time?
47% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about D. Scott Carruthers?
"Communication tactics", filed under the "Debt collection" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.