Total CFPB complaints
23
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 23 complaints
Scratch Services, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 18 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Scratch Services, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
14 complaints
- Written notification about debt 5
Written notification about debt
5 complaints
- False statements or representation 2
False statements or representation
2 complaints
- Communication tactics 1
Communication tactics
1 complaints
- Took or threatened to take negative or legal action 1
Took or threatened to take negative or legal action
1 complaints
D
Grade D · 54.3/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Scratch Services, Inc.?
Scratch Services, Inc. has accumulated 23 total CFPB complaints across 18 states, with 0 filed in the most recent 12 months against 23 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 "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 83% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 18 states, led by California with 3 and Florida 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 54.3/100 places Scratch Services, Inc. in grade band D, 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
Falling ↓
States active
18
Distinct state filings
Timely response rate
83%
Within CFPB SLA window
Reputation grade
D
54.3/100 composite
Response-quality profile
How Scratch Services, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 82.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 32.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Scratch Services, Inc. compare to its peers?
Scratch Services, Inc. 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)
2020-09 2024-05
Top Consumer Issues
Attempts to collect debt not owed14 (%)
Written notification about debt5 (%)
False statements or representation2 (%)
Communication tactics1 (%)
Took or threatened to take negative or legal action1 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 6 |
| Attempts to collect debt not owed | Debt was paid | 4 |
| Written notification about debt | Didn't receive enough information to verify debt | 4 |
| Attempts to collect debt not owed | Debt was result of identity theft | 4 |
| False statements or representation | Attempted to collect wrong amount | 2 |
| Communication tactics | Frequent or repeated calls | 1 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
| Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | 1 |
Where do complaints against Scratch Services, Inc. come from?
The states where consumers have filed the most CFPB complaints against Scratch Services, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Scratch Services, Inc.
Across 18 states with at least one filing
- California
California
3 complaints
- Florida
Florida
2 complaints
- Massachusetts
Massachusetts
2 complaints
- Texas
Texas
2 complaints
- Nevada 1
Nevada
1 complaints
- Arizona 1
Arizona
1 complaints
- Iowa 1
Iowa
1 complaints
- Illinois 1
Illinois
1 complaints
Frequently Asked Questions
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: 54.3/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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).
What can I do if Scratch Services, Inc. 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 Scratch Services, Inc. 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 |