What is the most common complaint against Scratch Services, Inc.?

The most common issue consumers report about Scratch Services, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 23 complaints filed with the CFPB.

Are complaints against Scratch Services, Inc. increasing or decreasing?

Complaints against Scratch Services, Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Scratch Services, Inc.'s reputation grade?

Scratch Services, Inc. has a reputation grade of D (score: 50.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Scratch Services, Inc. respond to consumer complaints?

Scratch Services, Inc. has a 83% timely response rate to CFPB complaints.

In how many states does Scratch Services, Inc. operate?

Scratch Services, Inc. has received CFPB complaints from consumers in 18 states, with the most complaints from California (3 complaints).

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

Scratch Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 18 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

14
Written notification about debt

5
False statements or representation

2
Took or threatened to take negative or legal action

1
Communication tactics

1

Data updated September 2026

CFPB complaint disposition

CCDB record scratch-services-inc Scratch Services, Inc.

Grade D · 23 CFPB filings · 83% timely · lead issue: Attempts to collect debt not owed · vol #1785 · compose #4120

VOL 23
GRADE D
12MO 0
STATES 18
TIMELY 83%
ISSUE Attempts to collect debt n…
RANK #1,785
COMPOSE #4,120

Volume peers

Nearest volume peer: Acceptance Solutions Group, INC (23 complaints)

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

Scratch Services, Inc.'s 23 CFPB complaints sit next to Acceptance Solutions Group, INC 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 →

Distributed filing map

Scratch Services, Inc. spreads filings across 18 states - California leads at only 13.0%

Despite a broad state map, Scratch Services, Inc. still sits volume #1,785 against composite #4,120 - the two RankMaps diverge by 2,335 places. Corpus placement method.

Most-even geography: Lead state under 15%; California still leads at 13.0% across 18 states
Spike month: 2021-02 33.3%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #1,785 volume; #4,120 composite; Cleanest-composite ladder is 2,335 places worse than volume

How does Scratch Services, Inc. compare to its peers?

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

Scratch Services, Inc. National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

83%

91%

Consumer-dispute ratelower is better

24%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2021-02 2025-12

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	14
Written notification about debt	5
False statements or representation	2
Took or threatened to take negative or legal action	1
Communication tactics	1

Where do complaints against Scratch Services, Inc. come from?

Scratch Services, Inc.'s own per-state count, not a national baseline.

California

3
Florida

2
Massachusetts

2
Texas

2
Arizona

1
Colorado

1
Connecticut

1
Georgia

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Scratch Services, Inc.: 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: 23.

4 peers

Know your rights before responding to Scratch Services, Inc.: 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.