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

CFPB complaint data Grade F 155 complaints

D. Scott Carruthers - Debt Collector Complaint Profile

CFPB complaint profile across 13 states, reputation grade F.

Complaints by issue type

What consumers report about D. Scott Carruthers

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 155
  • GRADE F
  • 12MO 0
  • STATES 13
  • TIMELY 45%
  • DISPUTE 11%
  • ISSUE Communication tactics
  • RANK #648
  • COMPOSE Not ranked

Volume peers

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

Global Trust Management LLCGlobal Trust Management LLC155UHG, LLCUHG, LLC155D. Scott Carruthers (this)D. Scott Carruthers (this)155Continental Credit ControlContinental Credit Control156RJM Acquisition LLCRJM Acquisition LLC156
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 →

How the 155 complaints break down

Every complaint issue type on record for D. Scott Carruthers, not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
39.1/100
D. Scott Carruthers

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
155
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response C
45%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
11%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

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

Concentration is computed from this collector's company_states rows only, not a national baseline. 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
Corpus ranks
#648 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

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
0
29
268
Timely-response ratehigher is better
45%
99%
91%
Consumer-dispute ratelower is better
11%
14%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy D. Scott Carruthers a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 40%60%80%100%120% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) D. Scott Carruthers vs. 9 similar-volume peers, by response speed and dispute rate D. Scott CarruthersGlobal Trust Management LLCUnlimited Progress CorpRJM ACQUISITION LLCContinental Credit ControlTriVerity, Inc.YSA ARM LLC DBA Oxygen XLWorldwide Processing Group, LLCWestern-Shamrock CorporationDRB-40, LLC
Source: CFPB Consumer Complaint Database

D. Scott Carruthers's complaint volume in context

D. Scott Carruthers vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

155 Top 12% higher than 88% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). This entry sits in this band. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. D. Scott Carruthers 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
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.

Top states by complaints against D. Scott Carruthers

Across 13 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.