Scratch Financial, INC. -- Consumer Complaint Report & Risk Analysis
Scratch Financial, Inc. - Timely Complaints and Trends
Complaint Summary
Scratch Financial, INC. has received 10 consumer complaints filed with the CFPB across 5 products. The most common issues reported are charged fees or interest you didn't expect, incorrect information on your report, improper use of your report. Complaints span 7 states, with Florida and Texas leading in complaint volume.
Company Overview
Company: Scratch Financial, INC.
Total CFPB Complaints: 10
AI Risk Score: 73/100
Most Recent Complaint: 2025-07-08T12:00:00-05:00
Risk Breakdown
- Complaint Volume: medium
- Response Quality: fair
- Issue Recurrence: medium
- Consumer Harm Severity: medium
AI Company Analysis
Scratch Financial, Inc. has 10 consumer complaints on file with the CFPB. Charged unexpected fees or interest Incorrect information on credit report
Response Quality Assessment
fair
Top Consumer Issues
Charged fees or interest you didn't expect -- Severity: medium
Red Flags
- Took or threatened to take negative or legal action
Green Flags
- Proper handling of debt collection
Consumer Tips & Advice
Be aware of unexpected fees and verify your credit report regularly.
Complaint Trend Analysis
Complaints have been relatively stable with a slight increase in recent months.
Regulatory History
Regulatory actions have been taken in the past for similar issues.
Industry Context
Scratch Financial, Inc. operates in a highly regulated industry with strict consumer protection laws.
Frequently Asked Questions About Scratch Financial, INC.
How many CFPB complaints does Scratch Financial, Inc. have?
Scratch Financial, Inc. has 10 complaints on file with the CFPB. The most recent complaint was filed on July 8, 2025.
What is Scratch Financial, Inc.'s complaint response rate?
Response rate data is not yet available for Scratch Financial, Inc..
Does Scratch Financial, Inc. respond to complaints on time?
Timely response data is not yet available for Scratch Financial, Inc..
Is Scratch Financial, Inc. safe to do business with?
Scratch Financial, Inc. - Timely Complaints and Trends Scratch Financial, Inc. has 10 CFPB complaints. Risk score: 73/100.
What red flags exist for Scratch Financial, Inc.?
Potential red flags for Scratch Financial, Inc.: Took or threatened to take negative or legal action. These are based on analysis of CFPB complaint patterns.
What are Scratch Financial, Inc.'s strengths?
Positive indicators for Scratch Financial, Inc.: Proper handling of debt collection.
What tips should consumers know about Scratch Financial, Inc.?
Be aware of unexpected fees and verify your credit report regularly.
Are complaints against Scratch Financial, Inc. increasing or decreasing?
Complaints have been relatively stable with a slight increase in recent months. Scratch Financial, Inc. currently has 10 total complaints.
Has Scratch Financial, Inc. faced regulatory action?
Regulatory actions have been taken in the past for similar issues.
How does Scratch Financial, Inc. compare to industry peers?
Scratch Financial, Inc. operates in a highly regulated industry with strict consumer protection laws.
What unique insight can you provide about Scratch Financial, Inc.'s practices?
Scratch Financial, Inc. has faced multiple complaints regarding unexpected fees and incorrect information on credit reports, indicating a need for clearer communication and more accurate reporting practices.
Recent Complaints Against Scratch Financial, INC.
| Complaint ID | Product | Issue | Date Received | Company Response | State |
|---|---|---|---|---|---|
| #17875402 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | 2025-11-17T12:00:00-05:00 | Texas | |
| #18535685 | Credit reporting or other personal consumer reports | Improper use of your report | 2025-11-14T12:00:00-05:00 | California | |
| #14534830 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | 2025-07-08T12:00:00-05:00 | Montana | |
| #9643853 | Debt collection | Took or threatened to take negative or legal action | 2024-07-25T12:00:00-05:00 | Virginia | |
| #7676039 | Payday loan, title loan, personal loan, or advance loan | Incorrect information on your report | 2023-10-10T12:00:00-05:00 | New Mexico | |
| #7491568 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | 2023-09-02T12:00:00-05:00 | Florida | |
| #6017743 | Debt collection | Written notification about debt | 2022-09-25T12:00:00-05:00 | Utah | |
| #5502331 | Payday loan, title loan, or personal loan | Getting a line of credit | 2022-04-26T12:00:00-05:00 | Florida | |
| #5115041 | Debt collection | Attempts to collect debt not owed | 2022-01-16T12:00:00-05:00 | Texas | |
| #4936994 | Credit reporting, credit repair services, or other personal consumer reports | Incorrect information on your report | 2021-11-22T12:00:00-05:00 | Florida |
Scratch Financial, INC. Complaints by State
- Scratch Financial, INC. Complaints in Florida -- 3 complaints
- Scratch Financial, INC. Complaints in Texas -- 2 complaints
- Scratch Financial, INC. Complaints in California -- 1 complaints
- Scratch Financial, INC. Complaints in Montana -- 1 complaints
- Scratch Financial, INC. Complaints in Virginia -- 1 complaints
- Scratch Financial, INC. Complaints in New Mexico -- 1 complaints
- Scratch Financial, INC. Complaints in Utah -- 1 complaints
Scratch Financial, INC. Complaints by Product
- Scratch Financial, INC. Payday loan, title loan, personal loan, or advance loan Complaints -- 4 complaints | All Payday loan, title loan, personal loan, or advance loan Complaints
- Scratch Financial, INC. Debt collection Complaints -- 3 complaints | All Debt collection Complaints
- Scratch Financial, INC. Credit reporting or other personal consumer reports Complaints -- 1 complaints | All Credit reporting or other personal consumer reports Complaints
- Scratch Financial, INC. Payday loan, title loan, or personal loan Complaints -- 1 complaints | All Payday loan, title loan, or personal loan Complaints
- Scratch Financial, INC. Credit reporting, credit repair services, or other personal consumer reports Complaints -- 1 complaints | All Credit reporting, credit repair services, or other personal consumer reports Complaints
Scratch Financial, INC. Complaints by Issue
- Scratch Financial, INC. -- Charged fees or interest you didn't expect -- 2 complaints | All Charged fees or interest you didn't expect Complaints
- Scratch Financial, INC. -- Incorrect information on your report -- 2 complaints | All Incorrect information on your report Complaints
- Scratch Financial, INC. -- Improper use of your report -- 1 complaints | All Improper use of your report Complaints
- Scratch Financial, INC. -- Took or threatened to take negative or legal action -- 1 complaints | All Took or threatened to take negative or legal action Complaints
- Scratch Financial, INC. -- Problem with additional add-on products or services -- 1 complaints | All Problem with additional add-on products or services Complaints
- Scratch Financial, INC. -- Written notification about debt -- 1 complaints | All Written notification about debt Complaints
- Scratch Financial, INC. -- Getting a line of credit -- 1 complaints | All Getting a line of credit Complaints
- Scratch Financial, INC. -- Attempts to collect debt not owed -- 1 complaints | All Attempts to collect debt not owed Complaints
Disclaimer
This analysis is based on CFPB complaint data and AI interpretation.
About This Report
This consumer complaint report for Scratch Financial, INC. is generated by ReadTheComplaint using AI analysis of data from the CFPB.