Scratch Financial, Inc.

What the CFPB Record Shows About Scratch Financial, Inc.

Scratch Financial, Inc. has accumulated 40 consumer complaints in the CFPB public database, with filings active across 19 U.S. states. Of those submissions, 12 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 2020, 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, Scratch Financial, Inc. reports a 92.5% timely-response rate and has closed 90% of cases with a written explanation to the consumer. 10% 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 0% 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 "Credit reporting or other personal consumer reports", and the single most common underlying issue is "Incorrect information on your report".

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 Scratch Financial, Inc.: 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.