Scratch Services, Inc.
43 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 Services, Inc. complaint mix by product
- Debt collection 23 53.5% – 9% relief
- Payday loan, 9 20.9% – 0% relief
- Credit reporting, 7 16.3% – 0% relief
- Student loan 2 4.7% – 0% relief
- Credit reporting 2 4.7% – 0% relief
How Scratch Services, Inc.'s 43 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 23 |
| Payday loan, title loan, or personal loan | 9 |
| Credit reporting, credit repair services, or other personal consumer reports | 7 |
| Student loan | 2 |
| Credit reporting or other personal consumer reports | 2 |
Top States
| State | Complaints |
|---|---|
| TX | 5 |
| NY | 4 |
| CA | 4 |
| SC | 3 |
| MD | 3 |
| FL | 3 |
| MI | 3 |
| IL | 2 |
| GA | 2 |
| MA | 2 |
| NC | 1 |
| ME | 1 |
| AZ | 1 |
| MO | 1 |
| VA | 1 |
| NV | 1 |
| UT | 1 |
| PA | 1 |
| CT | 1 |
| IA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 14 |
| Incorrect information on your report | 9 |
| Written notification about debt | 5 |
| Charged fees or interest you didn't expect | 4 |
| Improper use of your report | 3 |
| False statements or representation | 2 |
| Struggling to repay your loan | 1 |
| Communication tactics | 1 |
| Dealing with your lender or servicer | 1 |
| Took or threatened to take negative or legal action | 1 |
| Problem with the payoff process at the end of the loan | 1 |
| Received a loan you didn't apply for | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2020 | 1 | 100% |
| 2021 | 7 | 28.6% |
| 2022 | 14 | 64.3% |
| 2023 | 16 | 100% |
| 2024 | 5 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Scratch Services, Inc.
Scratch Services, Inc.'s 43 logged complaints stay concentrated: only 22 states show a filing on record. 55.8% 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 2024-07-20.
Scratch Services, Inc. answers 76.7% of complaints inside the CFPB's tracked window and closes 95.3% with a written explanation. 4.7% 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 "Attempts to collect debt not owed."
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 Services, 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 Services, Inc. have?
43, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Scratch Services, Inc. respond to complaints on time?
76.7% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Scratch Services, Inc.?
"Attempts to collect debt not owed", filed under the "Debt collection" 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.