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

Data updated July 2026

F

Grade F · 42.7/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: D. Scott Carruthers ranks ahead of 6% of the 5,283 collectors PlainCollector grades - 94% keep a cleaner CFPB record, on 155 all-time complaints and a 45% timely-response rate.

6th pct
reputation rank of 5,283 graded collectors
155
CFPB complaints, all-time
45%
answered inside the CFPB window
0
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about D. Scott Carruthers?

D. Scott Carruthers has accumulated 155 total CFPB complaints across 13 states, with 0 filed in the most recent 12 months against 155 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Threatened to take legal action". The company posts a 45% timely-response rate against a 11% consumer-dispute-after-response rate.

Complaints have been recorded across 13 states, led by California with 139 and Arizona with 2. Normalized against the full CFPB collector database, the reputation score of 42.7/100 places D. Scott Carruthers in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

155

mid-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

13

regional footprint

Timely response rate

45%

below sla band

Consumer disputes

11%

average (vertical avg ~19%)

Reputation grade

F

42.7/100 composite

How does D. Scott Carruthers's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

43 Bottom 6% higher than 6% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

D. Scott Carruthers versus the debt-collection vertical average.

Timely response within SLA 45.2%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 10.9%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 23.2%

Share of US states + territories with at least one filed complaint against this collector.

How does D. Scott Carruthers compare to its peers?

How does D. SCOTT CARRUTHERS compare? Versus a similar-volume peer and the national average, 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.

Complaint Trend (24 months)

2021-01 2026-02

Issue Detail Breakdown

Issue Sub-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

What to do if D. Scott Carruthers contacts you

A grade of F signals how D. Scott Carruthers's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really D. Scott Carruthers and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how D. Scott Carruthers ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 42.7/100), 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).

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

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.