Scratch Financial, Inc.
59 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.
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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Scratch Financial, Inc.
Scratch Financial, Inc.'s 59 logged complaints stay concentrated: only 23 states show a filing on record. 52.5% 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 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..
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 Scratch Financial, Inc. have?
59, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Scratch Financial, Inc. respond to complaints on time?
94.9% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Scratch Financial, Inc.?
"Incorrect information on your report", filed under the "Payday loan, title loan, personal loan, or advance loan" 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.