Payday loan, title loan, or personal loan -- Incorrect information on your report -- Complaint #5190945
Complaint Overview
Complaint ID: 5190945
Company: Scratch Services, INC.
Product: Payday loan, title loan, or personal loan
Sub-Product: Installment loan
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Maryland
ZIP Code: 206XX
Date Received: 2022-02-06T12:00:00-05:00
Date Sent to Company: 2022-02-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I had set up payroll allotments ( automatic payments out of paycheck ) which was required by XXXX XXXX to pay the loan. The payments were not applied to the loan in timely matter due to the loan servicer Scratch. There was issue on behalf of the loan servicer applying the payments to the account. There are late payments on my credit report, that I requested be removed. I have still not received the {$95.00} overpayment after my loan was paid off.. The account is paid in full ( see attached letter ) but is still showing a balance on my credit reports.
Frequently Asked Questions
What is Complaint #5190945 about?
Complaint #5190945 was filed against Scratch Services, INC. regarding Payday loan, title loan, or personal loan specifically about Incorrect information on your report. It was received by the CFPB on 2022-02-06T12:00:00-05:00.
How did Scratch Services, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was not 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, or personal loan) and describe your issue in detail.
Can I see other complaints against Scratch Services, INC.?
Yes, visit the Scratch Services, INC. company profile at readthecomplaint.com/company/scratch-services-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.