CFPB · Single-product concentration
D. Scott Carruthers
168 CFPB complaints · 92.3% in "Debt collection" · top issue Communication tactics.
D. Scott Carruthers: 92.3% of 168 CFPB complaints sit in "Debt collection". Timely 47% · relief 2.4%. Allegations, not findings.
- Single-product concentration
- -87.5% filings 2014 to 2023
CFPB relief outcome brief
CCDB company d-scott-carruthers
2.4% relief · 47% timely · 168 filings · Debt collection
Same-product relief peers
Nearest relief peer: 2288984 Ontario Inc. (2.4% relief)
D. Scott Carruthers closes 2.4% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of D. Scott Carruthers's 168 filings include narrative text
52.4% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
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 |
Concentrated filing states for D. Scott Carruthers
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 90.5% of this company's filings
D. Scott Carruthers falling annual filings
Annual filing volume from the CFPB public database
- 2023
- 1
- -87.5% vs 2014
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
D. Scott Carruthers filings cluster in one product
D. Scott Carruthers's 168 logged complaints stay concentrated: only 13 states show a filing. 52.4% of filings carry a written consumer narrative, 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.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for D. Scott Carruthers: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 168.
- Hilltop Holdings, Inc Δ 0 complaints · 1.8% relief 168complaints
- American Internet Mortgage Δ 1 complaints · 6.5% relief 169complaints
- Ascension Point Recovery Services, LLC Δ 1 complaints · 52.7% relief 169complaints
- Consolidated Information Services Solutions, LLC Δ 1 complaints · 0% relief 169complaints
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 47%.
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.
Data sourced from official public datasets for D. Scott Carruthers (47% timely; 2.4% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration