D. Scott Carruthers
Sourced from the CFPB Consumer Complaint Database.
Debt Collector, CFPB Complaint Profile Specializes in: Payday loan
CFPB collection forwarding receipt
Forwarded record DC-D-SCOTT-CARRUTHERS D. Scott Carruthers
155 DC complaints · rank #473/656 · 47% timely
- DC 155
- RANK #473/656
- TIMELY 47%
- RELIEF 2.4%
- DISPUTE 11.3%
- STATES 13
- ISSUE Communication tactics
- RESP Closed with explanation
- PHOTO Continental Credit Control
Photo peer: Continental Credit Control (155)
D. Scott Carruthers's 155 debt-collection complaints sit next to Continental Credit Control (155) on the volume neighbourhood; peer NAMES stay, and the receipt VALUES are this collector's. Full complaint profile for D. Scott Carruthers →
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
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)
What the CFPB Record Shows for D. Scott Carruthers
PlainCredit places D. Scott Carruthers at #473 of 656 debt collectors by CFPB debt-collection complaint volume (28th percentile), matching the Collectors directory ranking. 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.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Full complaint profile for D. Scott Carruthers → · All debt collectors →
Nationwide collectors with similar complaint volume or dispute rates
Two CFPB peer sets for D. Scott Carruthers: nearest debt collectors by debt-collection complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the volume strip on the forwarding receipt above.
Similar complaint volume
Nearest collectors by debt-collection complaint count (155 here).
Similar dispute rates
Nearest collectors by share of complaints marked disputed (11.3% here).
Frequently asked questions
How many CFPB debt-collection complaints does D. Scott Carruthers have?
The CFPB extract lists 155 debt-collection complaints against D. Scott Carruthers (#473 of 656 collectors by volume).
Does D. Scott Carruthers respond to CFPB complaints on time?
CFPB complaints against D. Scott Carruthers show a 47% timely-response rate.
What issue do consumers cite most about D. Scott Carruthers?
Consumers most often name "Communication tactics" when complaining about D. Scott Carruthers.
How should I read D. Scott Carruthers's CFPB complaint record?
These figures summarize what consumers filed with the CFPB about D. Scott Carruthers. They are educational, not advice - see the debt-collection rights and CFPB filing guides for next steps on a live dispute.
Related guides: Debt collection rights · How to file a CFPB complaint · Reading CFPB complaint 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.