CFPB Consumer Complaint Profile
D. Scott Carruthers
Behind the 168 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 has accumulated 168 complaints, placing it #1032 by volume. On-time replies land at 47%, the 3rd percentile for the 100+ complaint peer group.
- #1032
- of 3,843 companies by volume
- 47%
- on time (3rd pctile)
- Debt collection
- most-complained product
- 13
- states with complaints
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
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
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 carries 168 complaints in the CFPB's database, 0 of them filed within the past 12 months. Consumers spanning 13 states and territories have weighed in, giving this a geographically concentrated footprint. 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.
D. Scott Carruthers's timely response rate stands at 47%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is far under the 95% benchmark - a material red flag, since late or missing responses are among the strongest predictors of CFPB supervisory interest. The company's response carried a 11.3% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 2.4% rate.
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.
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.
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.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.