CFPB · Diversified product mix
Scratch Financial, Inc.
59 CFPB complaints · diversified mix (top product 25.4%) · top issue Incorrect information on your report.
Scratch Financial, Inc.: top product "Payday loan, title loan, personal loan, or advance loan" is only 25.4% of 59 - multi-bucket mix. Timely 94.9% · relief 8.5%. Allegations, not findings.
- Diversified product mix
- +20% filings 2020 to 2026
CFPB relief outcome brief
CCDB company scratch-financial-inc
8.5% relief · 94.9% timely · 59 filings · Payday loan, title loan, personal loan, or advance loan
Same-product relief peers
Nearest relief peer: Wlcc (9.9% relief)
Scratch Financial, Inc. closes 8.5% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Scratch Financial, Inc.'s 59 filings include narrative text
52.5% 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.
Scratch Financial, Inc. complaint mix by product
- Payday loan, 15 25.4% – 13% relief
- Credit reporting 15 25.4% – 13% relief
- Credit reporting, 11 18.6% – 0% relief
- Debt collection 9 15.3% – 0% relief
- Payday loan, 7 11.9% – 0% relief
- Credit card 2 3.4% – 50% relief
How Scratch Financial, Inc.'s 59 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Payday loan, title loan, personal loan, or advance loan | 15 |
| Credit reporting or other personal consumer reports | 15 |
| Credit reporting, credit repair services, or other personal consumer reports | 11 |
| Debt collection | 9 |
| Payday loan, title loan, or personal loan | 7 |
| Credit card | 2 |
Where Scratch Financial, Inc. complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 20.3% of this company's filings
Scratch Financial, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 6
- +20% vs 2020
Top States
| State | Complaints |
|---|---|
| CA | 12 |
| TX | 10 |
| AZ | 5 |
| FL | 4 |
| UT | 3 |
| VA | 3 |
| OR | 2 |
| NM | 2 |
| NJ | 2 |
| NY | 2 |
| GA | 1 |
| NH | 1 |
| WI | 1 |
| MA | 1 |
| MT | 1 |
| NC | 1 |
| MD | 1 |
| MI | 1 |
| NE | 1 |
| PA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 20 |
| Attempts to collect debt not owed | 7 |
| Charged fees or interest you didn't expect | 7 |
| Getting the loan | 5 |
| Problem with a company's investigation into an existing problem | 4 |
| Problem when making payments | 3 |
| Problem with a credit reporting company's investigation into an existing problem | 3 |
| Improper use of your report | 2 |
| Problem with additional add-on products or services | 1 |
| Took or threatened to take negative or legal action | 1 |
| Getting a credit card | 1 |
| Problem with a purchase shown on your statement | 1 |
| Struggling to pay your loan | 1 |
| Received a loan you didn't apply for | 1 |
| Getting a line of credit | 1 |
| Written notification about debt | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2020 | 5 | 100% |
| 2021 | 4 | 75% |
| 2022 | 8 | 75% |
| 2023 | 8 | 100% |
| 2024 | 6 | 100% |
| 2025 | 22 | 100% |
| 2026 | 6 | 100% |
Source: CFPB Consumer Complaint Database
Scratch Financial, Inc. spreads across product buckets
Scratch Financial, Inc.'s 59 logged complaints stay concentrated: only 23 states show a filing. 52.5% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2020 through 2026-04-06.
Scratch Financial, Inc. answers 94.9% of complaints inside the CFPB's tracked window and closes 91.5% with a written explanation. 8.5% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Payday loan, title loan, personal loan, or advance loan" draws the most filings, most often for "Incorrect information on your report."
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 Scratch Financial, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Scratch Financial, Inc.: 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: 59.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 94.9%.
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 Scratch Financial, Inc. (94.9% timely; 8.5% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix