Scratch Services, INC. -- Consumer Complaint Report & Risk Analysis
Scratch Services, Inc. - Debt Collection Issues
Complaint Summary
Scratch Services, INC. has received 21 consumer complaints filed with the CFPB across 5 products. The most common issues reported are attempts to collect debt not owed, incorrect information on your report, written notification about debt. Complaints span 13 states, with California and Texas leading in complaint volume.
Company Overview
Company: Scratch Services, INC.
Total CFPB Complaints: 21
AI Risk Score: 35/100
Most Recent Complaint: 2023-01-20T12:00:00-05:00
Risk Breakdown
- Complaint Volume: medium
- Response Quality: fair
- Issue Recurrence: high
- Consumer Harm Severity: low
AI Company Analysis
Scratch Services, Inc. has 21 consumer complaints on file with the CFPB. Attempts to collect debt not owed Incorrect information on your report
Response Quality Assessment
fair
Top Consumer Issues
Attempts to collect debt not owed -- Severity: medium
Red Flags
- Multiple complaints about incorrect information on reports
Green Flags
- No green flags identified
Consumer Tips & Advice
Be cautious and verify all debt collection claims.
Complaint Trend Analysis
There is a trend of increasing complaints about debt collection practices.
Regulatory History
Regulatory history shows ongoing scrutiny of debt collection practices.
Industry Context
The industry context highlights the need for accurate and transparent debt collection processes.
Frequently Asked Questions About Scratch Services, INC.
How many CFPB complaints does Scratch Services, Inc. have?
Scratch Services, Inc. has 21 complaints on file with the CFPB. The most recent complaint was filed on January 20, 2023.
What is Scratch Services, Inc.'s complaint response rate?
Response rate data is not yet available for Scratch Services, Inc..
Does Scratch Services, Inc. respond to complaints on time?
Timely response data is not yet available for Scratch Services, Inc..
Is Scratch Services, Inc. safe to do business with?
Scratch Services, Inc. - Debt Collection Issues Scratch Services, Inc. has 21 CFPB complaints. Risk score: 35/100.
What red flags exist for Scratch Services, Inc.?
Potential red flags for Scratch Services, Inc.: Multiple complaints about incorrect information on reports. These are based on analysis of CFPB complaint patterns.
What are Scratch Services, Inc.'s strengths?
Positive indicators for Scratch Services, Inc.: No green flags identified.
What tips should consumers know about Scratch Services, Inc.?
Be cautious and verify all debt collection claims.
Are complaints against Scratch Services, Inc. increasing or decreasing?
There is a trend of increasing complaints about debt collection practices. Scratch Services, Inc. currently has 21 total complaints.
Has Scratch Services, Inc. faced regulatory action?
Regulatory history shows ongoing scrutiny of debt collection practices.
How does Scratch Services, Inc. compare to industry peers?
The industry context highlights the need for accurate and transparent debt collection processes.
What unique insight can be drawn from the complaints about Scratch Services, Inc.?
The company is frequently accused of attempting to collect debts that are not owed, which suggests a potential issue with their verification processes.
Recent Complaints Against Scratch Services, INC.
| Complaint ID | Product | Issue | Date Received | Company Response | State |
|---|---|---|---|---|---|
| #9571465 | Credit reporting or other personal consumer reports | Improper use of your report | 2024-07-20T12:00:00-05:00 | New York | |
| #9109830 | Debt collection | Written notification about debt | 2024-05-27T12:00:00-05:00 | Texas | |
| #7740399 | Debt collection | Attempts to collect debt not owed | 2023-10-22T12:00:00-05:00 | Illinois | |
| #7053891 | Student loan | Struggling to repay your loan | 2023-05-31T12:00:00-05:00 | Maryland | |
| #6757209 | Payday loan, title loan, or personal loan | Incorrect information on your report | 2023-03-27T12:00:00-05:00 | South Carolina | |
| #6507303 | Debt collection | Attempts to collect debt not owed | 2023-01-30T12:00:00-05:00 | Michigan | |
| #6487877 | Debt collection | Attempts to collect debt not owed | 2023-01-25T12:00:00-05:00 | Colorado | |
| #6465248 | Debt collection | Attempts to collect debt not owed | 2023-01-20T12:00:00-05:00 | California | |
| #6440889 | Debt collection | Attempts to collect debt not owed | 2023-01-15T12:00:00-05:00 | Iowa | |
| #5597534 | Debt collection | Took or threatened to take negative or legal action | 2022-05-24T12:00:00-05:00 | California | |
| #5283769 | Student loan | Dealing with your lender or servicer | 2022-03-03T12:00:00-05:00 | Georgia | |
| #5283797 | Credit reporting, credit repair services, or other personal consumer reports | Incorrect information on your report | 2022-03-01T12:00:00-05:00 | Florida | |
| #5245033 | Payday loan, title loan, or personal loan | Charged fees or interest you didn't expect | 2022-02-21T12:00:00-05:00 | Michigan | |
| #5240385 | Payday loan, title loan, or personal loan | Charged fees or interest you didn't expect | 2022-02-19T12:00:00-05:00 | Illinois | |
| #5190945 | Payday loan, title loan, or personal loan | Incorrect information on your report | 2022-02-06T12:00:00-05:00 | Maryland | |
| #5087410 | Debt collection | Attempts to collect debt not owed | 2022-01-09T12:00:00-05:00 | Utah | |
| #5069349 | Credit reporting, credit repair services, or other personal consumer reports | Incorrect information on your report | 2022-01-04T12:00:00-05:00 | California | |
| #5005296 | Debt collection | Written notification about debt | 2021-12-07T12:00:00-05:00 | Florida | |
| #4865079 | Debt collection | Attempts to collect debt not owed | 2021-11-01T12:00:00-05:00 | Nevada | |
| #4825445 | Debt collection | Written notification about debt | 2021-10-19T12:00:00-05:00 | South Carolina |
Scratch Services, INC. Complaints by State
- Scratch Services, INC. Complaints in California -- 3 complaints
- Scratch Services, INC. Complaints in Texas -- 2 complaints
- Scratch Services, INC. Complaints in Illinois -- 2 complaints
- Scratch Services, INC. Complaints in Maryland -- 2 complaints
- Scratch Services, INC. Complaints in South Carolina -- 2 complaints
- Scratch Services, INC. Complaints in Michigan -- 2 complaints
- Scratch Services, INC. Complaints in Florida -- 2 complaints
- Scratch Services, INC. Complaints in New York -- 1 complaints
- Scratch Services, INC. Complaints in Colorado -- 1 complaints
- Scratch Services, INC. Complaints in Iowa -- 1 complaints
- Scratch Services, INC. Complaints in Georgia -- 1 complaints
- Scratch Services, INC. Complaints in Utah -- 1 complaints
- Scratch Services, INC. Complaints in Nevada -- 1 complaints
Scratch Services, INC. Complaints by Product
- Scratch Services, INC. Debt collection Complaints -- 11 complaints | All Debt collection Complaints
- Scratch Services, INC. Payday loan, title loan, or personal loan Complaints -- 5 complaints | All Payday loan, title loan, or personal loan Complaints
- Scratch Services, INC. Student loan Complaints -- 2 complaints | All Student loan Complaints
- Scratch Services, INC. Credit reporting, credit repair services, or other personal consumer reports Complaints -- 2 complaints | All Credit reporting, credit repair services, or other personal consumer reports Complaints
- Scratch Services, INC. Credit reporting or other personal consumer reports Complaints -- 1 complaints | All Credit reporting or other personal consumer reports Complaints
Scratch Services, INC. Complaints by Issue
- Scratch Services, INC. -- Attempts to collect debt not owed -- 7 complaints | All Attempts to collect debt not owed Complaints
- Scratch Services, INC. -- Incorrect information on your report -- 5 complaints | All Incorrect information on your report Complaints
- Scratch Services, INC. -- Written notification about debt -- 3 complaints | All Written notification about debt Complaints
- Scratch Services, INC. -- Charged fees or interest you didn't expect -- 2 complaints | All Charged fees or interest you didn't expect Complaints
- Scratch Services, INC. -- Improper use of your report -- 1 complaints | All Improper use of your report Complaints
- Scratch Services, INC. -- Struggling to repay your loan -- 1 complaints | All Struggling to repay your loan Complaints
- Scratch Services, INC. -- Took or threatened to take negative or legal action -- 1 complaints | All Took or threatened to take negative or legal action Complaints
- Scratch Services, INC. -- Dealing with your lender or servicer -- 1 complaints | All Dealing with your lender or servicer Complaints
Disclaimer
This analysis is based on CFPB complaint data and AI interpretation.
About This Report
This consumer complaint report for Scratch Services, INC. is generated by ReadTheComplaint using AI analysis of data from the CFPB.