D. Scott Carruthers
Sourced from the CFPB Consumer Complaint Database.
Debt Collector, CFPB Complaint Profile Specializes in: Payday loan
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Most consumers facing collection complaints carry utilization in the Fair-Poor band. FICO bands per myFICO + Experian guidance.
FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.
Complaints by Year
| Year | Complaints |
|---|---|
| 2014 | 8 |
| 2015 | 39 |
| 2016 | 42 |
| 2017 | 29 |
| 2018 | 26 |
| 2019 | 9 |
| 2020 | 7 |
| 2021 | 7 |
| 2023 | 1 |
Complaints by State (Top 15)
Other Complaint Types
Your Rights with Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, unfair, and deceptive collection practices.
- Request written verification of any debt within 30 days of first contact
- Dispute a debt if you believe it is incorrect or does not belong to you
- Demand the collector stop contacting you (in writing)
- File a complaint with the CFPB at consumerfinance.gov/complaint
What the CFPB Record Shows for D. Scott Carruthers
The CFPB has logged 155 debt-collection complaints against D. Scott Carruthers, 92.3% of the 168 complaints filed against this entity overall. Consumers in 13 states and territories have filed reports, putting this collection operation in geographically focused territory by complaint volume. The most common debt type behind these complaints is "Payday loan," which is the category consumers most often describe when they file a CFPB report about this collector. "Communication tactics" comes up most often as the specific issue cited - worth a look for anyone trying to spot this collector's recurring pain point.
The company's timely response rate is 47%, meaning that share of CFPB-forwarded complaints received a reply within the 15-day window the Bureau expects. That trails the 95% benchmark badly - persistently late responses are among the strongest predictors of CFPB supervisory attention toward debt collectors. 2.4% of resolved cases against this company closed with some form of consumer relief, a notably low ratio worth weighing against the disputed-response percentage. The response was formally disputed in 11.3% of resolved cases, indicating how frequently the initial fix fell short.
How to read these numbers, and what to do if you're disputing a charge
Complaint volume alone does not prove wrongdoing, larger collection portfolios naturally produce more complaints, but the combination of timely-response rate, relief ratio, and dispute rate above gives a reasonable empirical picture of how this collector handles consumer interactions. Anyone in active dispute with this company should keep written records, use certified mail for verification requests (see your FDCPA rights above), and consider filing a CFPB complaint if standard resolution channels stall.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Frequently Asked Questions
How many debt collection complaints does D. Scott Carruthers have?
The CFPB has logged 155 debt-collection complaints against D. Scott Carruthers, 92.3% of all complaints filed against this company.
Does D. Scott Carruthers respond to complaints on time?
47% of the CFPB complaints against D. Scott Carruthers get a response within the expected window. That falls well short of the 95% benchmark most collectors clear.
Does D. Scott Carruthers provide relief to consumers?
2.4% of resolved complaints against D. Scott Carruthers were closed with some form of consumer relief (monetary or non-monetary).
What type of debt does D. Scott Carruthers primarily collect?
D. Scott Carruthers primarily collects "Payday loan" based on CFPB complaint data. The full breakdown of debt types is shown above.
What rights do I have against D. Scott Carruthers?
Under the Fair Debt Collection Practices Act (FDCPA), you can request written debt verification within 30 days, dispute debts you believe are incorrect, demand the collector stop contacting you in writing, and file a complaint with the CFPB at consumerfinance.gov/complaint.
In how many states is D. Scott Carruthers active?
D. Scott Carruthers has received consumer complaints from 13 states and territories, based on CFPB data.
Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.