CFPB Consumer Complaint Profile
Scratch Services, Inc.
43 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 43
- Total complaints
- Mid-range
- 0
- Last 12 months
- 76.7%
- Timely response
- Bottom decile
- 22
- States affected
The verdict
Scratch Services, Inc. ranks #1975 of 3,843 financial companies by CFPB complaint volume, with 43 complaints on record. On-time replies land at 76.7%, the 8th percentile for the 100+ complaint peer group.
- #1975
- of 3,843 companies by volume
- 76.7%
- on time (8th pctile)
- Debt collection
- 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 Services, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
76.7% Among the lowest higher than 8% 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 2023 to 2024 complete years
- Annual CFPB complaint volume moved from 16 in 2023 to 5 in 2024 (2023 → 2024).
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 | 1 |
| 2021 | 7 |
| 2022 | 14 |
| 2023 | 16 |
| 2024 | 5 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Scratch Services, Inc.
43 complaints against Scratch Services, Inc. appear in the CFPB record, including 0 from the trailing year. The 22 states and territories represented put this footprint in multi-regional territory. 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, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Scratch Services, Inc.'s timely response rate stands at 76.7%, 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. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 4.7% 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 Scratch Services, Inc. have?
The CFPB has logged 43 complaints against Scratch Services, Inc. to date, of which 0 came in over the last 12 months.
Does Scratch Services, Inc. respond to complaints on time?
Scratch Services, Inc.'s CFPB timely-response rate is 76.7%. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Scratch Services, Inc.?
The most complained-about product for Scratch Services, Inc. is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Scratch Services, Inc.?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Scratch Services, Inc.; the full issue list with counts is above.
How do I file a complaint against Scratch Services, Inc.?
You can file a complaint against Scratch Services, 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 Services, Inc.?
The CFPB has recorded complaints against Scratch Services, Inc. from 22 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Scratch Services, Inc. have?
The CFPB has logged 43 complaints against Scratch Services, Inc. to date, of which 0 came in over the last 12 months.
Does Scratch Services, Inc. respond to complaints on time?
Scratch Services, Inc.'s CFPB timely-response rate is 76.7%. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Scratch Services, Inc.?
The most complained-about product for Scratch Services, Inc. is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Scratch Services, Inc.?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Scratch Services, Inc.; the full issue list with counts is above.
How do I file a complaint against Scratch Services, Inc.?
You can file a complaint against Scratch Services, 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 Services, Inc.?
The CFPB has recorded complaints against Scratch Services, Inc. from 22 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.