CFPB Consumer Complaint Profile
Scratch Financial, Inc.
What 57 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 57
- Total complaints
- Mid-range
- 23
- Last 12 months
- 94.7%
- Timely response
- Below median
- 22
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Scratch Financial, Inc. sits at #1717, with 57 complaints logged. Its on-time response rate is 94.7%, the 28th percentile among companies with 100+ complaints.
- #1717
- of 3,843 companies by volume
- 94.7%
- on time (28th pctile)
- Credit reporting or …
- most-complained product
- 22
- states with 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.
Scratch Financial, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
94.7% Around the middle higher than 28% 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 6 in 2024 to 22 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2020 | 5 |
| 2021 | 4 |
| 2022 | 8 |
| 2023 | 8 |
| 2024 | 6 |
| 2025 | 22 |
| 2026year in progress | 4 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Scratch Financial, Inc.
57 complaints against Scratch Financial, Inc. appear in the CFPB record, including 23 from the trailing year. The 22 states and territories represented put this footprint in multi-regional territory. No product draws more complaints than "Credit reporting or other personal consumer reports," which sits at the top of the product breakdown. The specific issue named most within that category is "Incorrect information on your report," a reasonable starting point for understanding recurring friction.
CFPB-forwarded complaints against Scratch Financial, Inc. draw a 94.7% reply rate inside the Bureau's 15-day window. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. Among resolved complaints, 8.8% closed with some form of monetary or non-monetary relief to 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, 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 Scratch Financial, Inc. have?
The CFPB has logged 57 complaints against Scratch Financial, Inc. to date, of which 23 came in over the last 12 months.
Does Scratch Financial, Inc. respond to complaints on time?
Scratch Financial, Inc. has a 94.7% timely response rate to CFPB complaints.
What product generates the most complaints for Scratch Financial, Inc.?
The most complained-about product for Scratch Financial, Inc. is "Credit reporting or other personal consumer reports." You can view the full product breakdown on this page.
What is the most common complaint issue with Scratch Financial, Inc.?
"Incorrect information on your report" is the single most frequently cited issue in complaints against Scratch Financial, Inc. - see all issues and counts above.
How do I file a complaint against Scratch Financial, Inc.?
You can file a complaint against Scratch Financial, Inc. 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 Scratch Financial, Inc.?
Consumers in 22 states and territories have filed complaints about Scratch Financial, Inc. 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.
Also handles Credit reporting or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Scratch Financial, Inc. have?
The CFPB has logged 57 complaints against Scratch Financial, Inc. to date, of which 23 came in over the last 12 months.
Does Scratch Financial, Inc. respond to complaints on time?
Scratch Financial, Inc. has a 94.7% timely response rate to CFPB complaints.
What product generates the most complaints for Scratch Financial, Inc.?
The most complained-about product for Scratch Financial, Inc. is "Credit reporting or other personal consumer reports." You can view the full product breakdown on this page.
What is the most common complaint issue with Scratch Financial, Inc.?
"Incorrect information on your report" is the single most frequently cited issue in complaints against Scratch Financial, Inc. - see all issues and counts above.
How do I file a complaint against Scratch Financial, Inc.?
You can file a complaint against Scratch Financial, Inc. 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 Scratch Financial, Inc.?
Consumers in 22 states and territories have filed complaints about Scratch Financial, Inc. 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.