What is the most common complaint against D. Scott Carruthers?

The most common issue consumers report about D. Scott Carruthers is "Communication tactics", specifically "Threatened to take legal action". This is based on 155 complaints filed with the CFPB.

Are complaints against D. Scott Carruthers increasing or decreasing?

Complaints against D. Scott Carruthers are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is D. Scott Carruthers's reputation grade?

D. Scott Carruthers has a reputation grade of F (score: 39.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does D. Scott Carruthers respond to consumer complaints?

D. Scott Carruthers has a 45% timely response rate to CFPB complaints. Consumers disputed the company's response in 11% of cases.

In how many states does D. Scott Carruthers operate?

D. Scott Carruthers has received CFPB complaints from consumers in 13 states, with the most complaints from California (139 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

D. Scott Carruthers - Debt Collector Complaint Profile

CFPB complaint profile across 13 states, reputation grade F.

Compiled by PlainCollector

Communication tactics

47
Improper contact or sharing of info

19
Taking/threatening an illegal action

19
False statements or representation

14
Took or threatened to take negative or legal action

13
Cont'd attempts collect debt not owed

13

Data updated September 2026

CFPB complaint disposition

CCDB record d-scott-carruthers D. Scott Carruthers

Grade F · 155 CFPB filings · 45% timely · lead issue: Communication tactics · vol #648 · compose #4949

VOL 155
GRADE F
12MO 0
STATES 13
TIMELY 45%
DISPUTE 11%
ISSUE Communication tactics
RANK #648
COMPOSE #4,949

Volume peers

Nearest volume peer: Global Trust Management LLC (155 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

D. Scott Carruthers's 155 CFPB complaints sit next to Global Trust Management LLC on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

89.7% of D. Scott Carruthers's CFPB filings land in California

High volume does not equal a clean composite: D. Scott Carruthers is volume #648 but composite #4,949, while California dominates the geography. Corpus placement method.

Dominant state: California 89.7%; 139 of 155 filings · 13 states touched
Seasonal peak: 2025-09 10.3%; 8–15% band · 4 filings
Divergent corpus ranks: #648 volume; #4,949 composite; Cleanest-composite ladder is 4,301 places worse than volume

How does D. Scott Carruthers compare to its peers?

How does D. SCOTT CARRUTHERS compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

D. SCOTT CARRUTHERS National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

45%

99%

91%

Consumer-dispute ratelower is better

11%

14%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2021-01 2026-02

Issue Detail Breakdown

Issue	Complaints
Communication tactics	47
Improper contact or sharing of info	19
Taking/threatening an illegal action	19
False statements or representation	14
Took or threatened to take negative or legal action	13
Cont'd attempts collect debt not owed	13
Attempts to collect debt not owed	8
Disclosure verification of debt	8
Written notification about debt	7
Threatened to contact someone or share information improperly	7

Where do complaints against D. Scott Carruthers come from?

D. Scott Carruthers's own per-state count, not a national baseline.

California

139
Arizona

2
Massachusetts

2
Virginia

2
Alabama

1
Florida

1
Hawaii

1
Illinois

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for D. Scott Carruthers: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 155.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 45.16129032258064%.

4 peers

Know your rights before responding to D. Scott Carruthers: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.