CFPB · Single-product concentration

Law Office of Michael J. Scott, PC

623 CFPB complaints · 89.1% in "Debt collection" · top issue Took or threatened to take negative or legal action.

Products ↓ All companies
623 CFPB complaints

Law Office of Michael J. Scott, PC: 89.1% of 623 CFPB complaints sit in "Debt collection". Timely 98.6% · relief 0%. Allegations, not findings.

  • Single-product concentration
  • +1725% filings 2013 to 2026

CFPB relief outcome brief

CCDB company law-office-of-michael-j-scott-pc

0% relief · 98.6% timely · 623 filings · Debt collection

Same-product relief peers

Nearest relief peer: Transworld Systems Inc (0% relief)

Law Office of Michael J. Sco…0%Associated Credit Services, …1.1%Monarch Recovery Holdings, I…4.3%Concord Servicing Corporation3.5%SinglePoint GI0%
Closed-with-relief % among Law Office of Michael J. Scott, PC and nearest filing-volume peers

Law Office of Michael J. Scott, PC closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →

Most of Law Office of Michael J. Scott, PC's 623 filings include narrative text

48.6% 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.

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Timely response rate 98.6%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 0.0%
Industry median (≥10 complaints)

Share closed with monetary or non-monetary relief.

Law Office of Michael J. Scott, PC complaint mix by product

Total complaints: 623

Law Office of Michael J. Scott, PC complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 623 total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Debt collection: 555 complaints (90.0%), resolution 0.0% Debt collection 90.0% Credit reporting: 25 complaints (4.1%), resolution 0.0% Student loan: 12 complaints (1.9%), resolution 0.0% Credit card: 9 complaints (1.5%), resolution 0.0% Credit reporting,: 8 complaints (1.3%), resolution 0.0% Debt or: 5 complaints (0.8%), resolution 0.0% Payday loan,: 3 complaints (0.5%), resolution 0.0%
  • Debt collection 555 90.0% – 0% relief
  • Credit reporting 25 4.1% – 0% relief
  • Student loan 12 1.9% – 0% relief
  • Credit card 9 1.5% – 0% relief
  • Credit reporting, 8 1.3% – 0% relief
  • Debt or 5 0.8% – 0% relief
  • Payday loan, 3 0.5% – 0% relief

How Law Office of Michael J. Scott, PC's 623 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.

Complaints by Product

Product Complaints
Debt collection 555
Credit reporting or other personal consumer reports 25
Student loan 12
Credit card 9
Credit reporting, credit repair services, or other personal consumer reports 8
Debt or credit management 5
Payday loan, title loan, personal loan, or advance loan 3
Consumer Loan 3
Money transfer, virtual currency, or money service 1
Bank account or service 1
Payday loan, title loan, or personal loan 1

Concentrated filing states for Law Office of Michael J. Scott, PC

Top states by attributed CFPB complaint volume for this company

Concentrated footprint
Leading state
TX
55.1% of this company's filings
TX343VA70CA60SC40AL37PA33TN15MD5

Law Office of Michael J. Scott, PC rising annual filings

Annual filing volume from the CFPB public database

Rising vs first year
2026
73
+1725% vs 2013
050100150200 20132015201720192021202320252026 73

Top States

State Complaints
TX 343
VA 70
CA 60
SC 40
AL 37
PA 33
TN 15
MD 5
NC 3
FL 3
NY 3
IL 2
GA 2
MS 2
NV 1
UT 1

Top Issues

Issue Complaints
Took or threatened to take negative or legal action 174
Attempts to collect debt not owed 151
False statements or representation 77
Written notification about debt 72
Communication tactics 31
Incorrect information on your report 21
Taking/threatening an illegal action 14
Cont'd attempts collect debt not owed 11
Threatened to contact someone or share information improperly 10
Problem with a company's investigation into an existing problem 9
Electronic communications 7
Improper use of your report 6
Struggling to repay your loan 5
Improper contact or sharing of info 5
Disclosure verification of debt 3
Can't repay my loan 3
Problem with a purchase shown on your statement 2
Unauthorized withdrawals or charges 2
Problem with customer service 2
Dealing with my lender or servicer 2

Yearly Trend

Year Complaints Timely
2013 4 75%
2014 19 100%
2015 23 95.7%
2016 11 100%
2017 23 91.3%
2018 26 100%
2019 29 100%
2020 35 100%
2021 31 100%
2022 25 100%
2023 55 96.4%
2024 97 99%
2025 172 98.8%
2026 73 100%

Source: CFPB Consumer Complaint Database

Law Office of Michael J. Scott, PC filings cluster in one product

Law Office of Michael J. Scott, PC's 623 logged complaints stay concentrated: only 16 states show a filing. 48.6% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2013 through 2026-06-20.

Law Office of Michael J. Scott, PC answers 98.6% of complaints inside the CFPB's tracked window and closes 99.2% with a written explanation. 0% 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 "Took or threatened to take negative or legal action."

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 Law Office of Michael J. Scott, PC.

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainComplaint-derived comparison paths for Law Office of Michael J. Scott, PC: 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: 623.

4 peers

Similar timely response rate

Nearest companies by CFPB 15-day timely-response %. This record: 98.6%.

4 peers

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 Law Office of Michael J. Scott, PC (98.6% timely; 0% relief). methodology.

Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration