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

CFPB complaint data Grade F 6 complaints

J. Scott Watson - Debt Collector Complaint Profile

CFPB complaint profile across 3 states, reputation grade F.

Complaints by issue type

What consumers report about J. Scott Watson

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

Data updated September 2026

CFPB complaint disposition

CCDB record j-scott-watson J. Scott Watson

Grade F · 6 CFPB filings · 17% timely · lead issue: Disclosure verification of debt

  • VOL 6
  • GRADE F
  • 12MO 0
  • STATES 3
  • TIMELY 17%
  • DISPUTE 33%
  • ISSUE Disclosure verification of…
  • RANK #2,974
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: 1 Stop Money Centers, LLC (6 complaints)

1 Stop Money Centers, LLC1 Stop Money Centers, LLC6Academic Solutions of NEW York, LLCAcademic Solutions of NEW Yo…6Account Outsourcing Group, LLCAccount Outsourcing Group, L…6Accounts Recovery Agency Inc.Accounts Recovery Agency Inc.6J. Scott Watson (this)J. Scott Watson (this)6
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

J. Scott Watson's 6 CFPB complaints sit next to 1 Stop Money Centers, 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 6 complaints break down

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

Reputation score breakdown

F
Composite reputation score
39.9/100
J. Scott Watson

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 C
6
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response F
17%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
33%
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

66.7% of J. Scott Watson's CFPB filings land in Pennsylvania

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
Pennsylvania 66.7%
4 of 6 filings · 3 states touched
Spike month
2017-02 33.3%
1 filings that month · spiky (≥15% of series)
Corpus ranks
#2,974 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does J. Scott Watson compare to its peers?

How does J. Scott Watson compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
J. Scott Watson National average
Complaints (last 12 mo)lower is better
0
0
268
Timely-response ratehigher is better
17%
83%
91%
Consumer-dispute ratelower is better
33%
0%
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 J. Scott Watson a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 6 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 0%50%100%150% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) J. Scott Watson vs. 5 similar-volume peers, by response speed and dispute rate J. Scott WatsonJ. Mark Heldenbrand PCJason Michael Katz, P.C.Illinois Lending CorporationIgnite Revenue, Inc.Kwikcash, Inc.
Source: CFPB Consumer Complaint Database

J. Scott Watson's complaint volume in context

J. Scott Watson 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)

6 45th percentile higher than 45% of 5,420 collectors

0–20: 3,504 collectors (65%). This entry sits in this band. 20–40: 565 collectors (10%). Above this entry. 40–60: 260 collectors (5%). Above this entry. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. J. Scott Watson 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 ↓
2017-02 2019-05

Issue Detail Breakdown

Issue Complaints
Disclosure verification of debt
2
Written notification about debt
1
Took or threatened to take negative or legal action
1
Communication tactics
1
Cont'd attempts collect debt not owed
1

Where do complaints against J. Scott Watson come from?

J. Scott Watson's own per-state count, not a national baseline.

Top states by complaints against J. Scott Watson

Across 3 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 J. Scott Watson: 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: 6.

4 peers

Know your rights before responding to J. Scott Watson: 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.