Total CFPB complaints
155
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 155 complaints
D. SCOTT CARRUTHERS — Debt Collector Complaint Profile
CFPB complaint profile across 13 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about D. SCOTT CARRUTHERS
- Communication tactics
Communication tactics
40 complaints
- Improper contact or sharing of info
Improper contact or sharing of info
18 complaints
- Taking/threatening an illegal action
Taking/threatening an illegal action
16 complaints
- Cont'd attempts collect debt not owed 11
Cont'd attempts collect debt not owed
11 complaints
- False statements or representation 11
False statements or representation
11 complaints
F
Grade F · 42.7/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Threatened to take legal action", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 45% timely-response rate against a 11% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 13 states, led by California with 139 and Arizona with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 42.7/100 places D. SCOTT CARRUTHERS in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
13
Distinct state filings
Timely response rate
45%
Within CFPB SLA window
Consumer disputes
11%
After company response
Reputation grade
F
42.7/100 composite
Response-quality profile
How D. SCOTT CARRUTHERS performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 21.8%
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?
D. SCOTT CARRUTHERS National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2018-02 2023-02
Top Consumer Issues
Communication tactics40 (%)
Improper contact or sharing of info18 (%)
Cont'd attempts collect debt not owed11 (%)
Taking/threatening an illegal action16 (%)
False statements or representation11 (%)
Most common issue: Communication tactics — Threatened to take legal action
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Communication tactics | Threatened to take legal action | 18 |
| Communication tactics | Frequent or repeated calls | 17 |
| Improper contact or sharing of info | Contacted employer after asked not to | 12 |
| Cont'd attempts collect debt not owed | Debt is not mine | 11 |
| Taking/threatening an illegal action | Threatened to sue on too old debt | 9 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 7 |
| Improper contact or sharing of info | Talked to a third party about my debt | 6 |
| False statements or representation | Impersonated an attorney or official | 6 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 5 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 5 |
Where do complaints against D. SCOTT CARRUTHERS come from?
The states where consumers have filed the most CFPB complaints against D. SCOTT CARRUTHERS. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against D. SCOTT CARRUTHERS
Across 13 states with at least one filing
- California
California
139 complaints
- Arizona 2
Arizona
2 complaints
- Virginia 2
Virginia
2 complaints
- Massachusetts 2
Massachusetts
2 complaints
- Florida 1
Florida
1 complaints
- New Jersey 1
New Jersey
1 complaints
- South Carolina 1
South Carolina
1 complaints
- North Carolina 1
North Carolina
1 complaints
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 have been stable. The company received 0 complaints in the last 12 months.
What is D. SCOTT CARRUTHERS's reputation grade? ▼
D. SCOTT CARRUTHERS has a reputation grade of F (score: 42.7/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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).
What can I do if D. SCOTT CARRUTHERS is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If D. SCOTT CARRUTHERS violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |