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 2026-05-15
- 168
- Total complaints
- 0
- Last 12 months
- 47%
- Timely response
- 13
- States affected
The verdict
Out of 3,848 financial companies in the CFPB database, D. Scott Carruthers has accumulated 168 complaints, placing it #1034 by volume. 47% of its complaints get an on-time reply, falling short of the 93% median for the 100+ complaint peer group.
- #1034
- of 3,848 companies by volume
- 47%
- answered on time
- Debt collection
- most-complained product
- 13
- states with complaints
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 was formally disputed in 11.3% of resolved cases, indicating how frequently the initial fix fell short. 2.4% of resolved complaints ended with some monetary or non-monetary relief for the consumer.
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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
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?
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 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~168)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.