Payday loan, title loan, personal loan, or advance loan -- Charged fees or interest you didn't expect -- Complaint #17875402
Complaint Overview
Complaint ID: 17875402
Company: Scratch Financial, INC.
Product: Payday loan, title loan, personal loan, or advance loan
Sub-Product: Installment loan
Issue: Charged fees or interest you didn't expect
State: Texas
ZIP Code: 79701
Date Received: 2025-11-17T12:00:00-05:00
Date Sent to Company: 2025-12-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My dog was sick and in distress. I applied for a loan through what I THOUGHT was scratch pay, recommended by myXX/XX/XXXX What I did NOT know was the first link I found was a SCAM. They stole my information and sold it all to different companies. I didn't receive any information saying that they sold it to XXXX XXXX. Now XXXX is trying to charge me over {$6000.00} for a {$1200.00} loan when this was NOT disclosed to me. Do NOT trustXX/XX/XXXX It is NOT the actual Scratch Pay, and I was conned into this loan that I CAN NOT afford, due to myself being overwhelmed and worried about my sick pet.
Frequently Asked Questions
What is Complaint #17875402 about?
Complaint #17875402 was filed against Scratch Financial, INC. regarding Payday loan, title loan, personal loan, or advance loan specifically about Charged fees or interest you didn't expect. It was received by the CFPB on 2025-11-17T12:00:00-05:00.
How did Scratch Financial, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Payday loan, title loan, personal loan, or advance loan) and describe your issue in detail.
Can I see other complaints against Scratch Financial, INC.?
Yes, visit the Scratch Financial, INC. company profile at readthecomplaint.com/company/scratch-financial-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.