CFPB Consumer Complaint Profile
D. Scott Carruthers
Behind the CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 168
- Total complaints
- Mid-range
- 0
- Last 12 months
- 47%
- Timely response
- Bottom decile
- 13
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, D. Scott Carruthers places #1032 by volume. For answering complaints on time it stands at the 3rd percentile in the 100+ complaint peer group.
- Debt collection
- most-complained product
- CA
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
D. Scott Carruthers vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
47% Among the lowest higher than 3% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
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)
Company Responses
What the CFPB Complaint Record Shows for D. Scott Carruthers
D. Scott Carruthers draws a geographically concentrated spread of CFPB complaints, filed by consumers in many parts of the country. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Communication tactics" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Timely response is the share of CFPB-forwarded complaints that receive a company reply within the 15-day window the Bureau expects. This company's rate is far under the 95% benchmark, a material red flag, since late or missing responses are among the strongest predictors of CFPB supervisory interest. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for D. Scott Carruthers: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (11.3% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does D. Scott Carruthers have?
The CFPB has logged 168 complaints against D. Scott Carruthers to date, of which 0 came in over the last 12 months.
Does D. Scott Carruthers respond to complaints on time?
CFPB complaints against D. Scott Carruthers draw a 47% timely-response rate inside the expected window. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for D. Scott Carruthers?
Among all products tied to D. Scott Carruthers, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with D. Scott Carruthers?
"Communication tactics" is the single most frequently cited issue in complaints against D. Scott Carruthers - see all issues and counts above.
How do I file a complaint against D. Scott Carruthers?
You can file a complaint against D. Scott Carruthers directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about D. Scott Carruthers?
Consumers in 13 states and territories have filed complaints about D. Scott Carruthers with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.