2026 data Public-data reference. official source

Law Office of Michael J. Scott, PC

439 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.

439 consumer complaints filed with the CFPB

This profile shows Law Office of Michael J. Scott, PC's complaint history from CFPB public records. 439 consumers have filed complaints since 2013. The company has a 98.4% timely response rate and has provided relief in 0% of cases.

439
Total Complaints
98.4%
Timely Response
3.6%
Disputed
0%
Relief Provided
14
States Active
2013
Since

Total complaints

439

Filed since 2013

Timely response

98.4%

CFPB-tracked response window

Relief rate

0%

Closed with monetary or non-monetary relief

Timely response rate 98.4%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 0.0%
Industry median

Share closed with monetary or non-monetary relief.

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

Total complaints: 439

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 439 total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Debt collection: 388 complaints (89.0%), resolution 0.0% Debt collection 89.0% Credit reporting: 17 complaints (3.9%), resolution 0.0% Credit card: 9 complaints (2.1%), resolution 0.0% Student loan: 9 complaints (2.1%), resolution 0.0% Credit reporting,: 7 complaints (1.6%), resolution 0.0% Consumer Loan: 3 complaints (0.7%), resolution 0.0% Debt or: 3 complaints (0.7%), resolution 0.0%
  • Debt collection 388 89.0% 0% relief
  • Credit reporting 17 3.9% 0% relief
  • Credit card 9 2.1% 0% relief
  • Student loan 9 2.1% 0% relief
  • Credit reporting, 7 1.6% 0% relief
  • Consumer Loan 3 0.7% 0% relief
  • Debt or 3 0.7% 0% relief

How Law Office of Michael J. Scott, PC's 439 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.

Complaints by Product

Product Complaints
Debt collection 388
Credit reporting or other personal consumer reports 17
Credit card 9
Student loan 9
Credit reporting, credit repair services, or other personal consumer reports 7
Consumer Loan 3
Debt or credit management 3
Payday loan, title loan, personal loan, or advance loan 2
Bank account or service 1

Top States

State Complaints
TX 249
VA 44
CA 39
SC 30
AL 27
PA 24
TN 8
MD 4
NY 3
FL 2
NC 2
MS 2
UT 1
GA 1

Top Issues

Issue Complaints
Took or threatened to take negative or legal action 127
Attempts to collect debt not owed 101
False statements or representation 52
Written notification about debt 42
Communication tactics 26
Incorrect information on your report 17
Taking/threatening an illegal action 14
Cont'd attempts collect debt not owed 10
Problem with a company's investigation into an existing problem 6
Threatened to contact someone or share information improperly 6
Improper contact or sharing of info 5
Struggling to repay your loan 3
Electronic communications 3
Can't repay my loan 3
Improper use of your report 3
Problem with a purchase shown on your statement 2
Problem with customer service 2
Dealing with my lender or servicer 2
Disclosure verification of debt 2
Billing disputes 1

Yearly Trend

Year Complaints Timely
2013 4 75%
2014 19 100%
2015 23 95.7%
2016 10 100%
2017 17 94.1%
2018 21 100%
2019 25 100%
2020 24 100%
2021 22 100%
2022 19 100%
2023 39 97.4%
2024 67 98.5%
2025 110 98.2%
2026 39 100%

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the CFPB Record Shows About Law Office of Michael J. Scott, PC

Law Office of Michael J. Scott, PC has accumulated 439 consumer complaints in the CFPB public database, with filings active across 14 U.S. states. Of those submissions, 140 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to 2013, and the most recent logged activity is 2026-03-30, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, Law Office of Michael J. Scott, PC reports a 98.4% timely-response rate and has closed 99.5% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 3.6% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "Debt collection", and the single most common underlying issue is "Took or threatened to take negative or legal action".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating Law Office of Michael J. Scott, PC: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.

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 Law Office of Michael J. Scott, PC have?

Law Office of Michael J. Scott, PC has received 439 consumer complaints filed with the Consumer Financial Protection Bureau.

Does Law Office of Michael J. Scott, PC respond to complaints on time?

Law Office of Michael J. Scott, PC has a 98.4% timely response rate to CFPB complaints.

What is the most common complaint about Law Office of Michael J. Scott, PC?

The most common issue reported against Law Office of Michael J. Scott, PC is "Took or threatened to take negative or legal action" in the "Debt collection" product category.

Related