CFPB · Narrative-heavy record
Scratch Services, Inc.
43 CFPB complaints · 55.8% with narratives · top issue Attempts to collect debt not owed.
Scratch Services, Inc.: 55.8% of 43 filings include consumer narratives. Timely 76.7% · relief 4.7% · top product Debt collection. Allegations, not findings.
- Narrative-heavy record
- +400% filings 2020 to 2024
CFPB relief outcome brief
CCDB company scratch-services-inc
4.7% relief · 76.7% timely · 43 filings · Debt collection
Same-product relief peers
Nearest relief peer: Continental Credit Control (4.7% relief)
Scratch Services, Inc. closes 4.7% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Scratch Services, Inc.'s 43 filings include narrative text
55.8% 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 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 |
Where Scratch Services, Inc. complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 11.6% of this company's filings
Scratch Services, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2024
- 5
- +400% vs 2020
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
Scratch Services, Inc.'s narrative-rich complaint ledger
Scratch Services, Inc.'s 43 logged complaints stay concentrated: only 22 states show a filing. 55.8% of filings carry a written consumer narrative, 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..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Scratch Services, 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: 43.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 76.7%.
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 Services, Inc. (76.7% timely; 4.7% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record