Student loan -- Struggling to repay your loan -- Complaint #7053891
Complaint Overview
Complaint ID: 7053891
Company: Scratch Services, INC.
Product: Student loan
Sub-Product: Private student loan
Issue: Struggling to repay your loan
Sub-Issue: Can't temporarily delay making payments
State: Maryland
ZIP Code: 20744
Date Received: 2023-05-31T12:00:00-05:00
Date Sent to Company: 2023-05-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2023 I contacted my loan servicing company, Scratch, about applying for forbearance. At the time, I was nearing the end of a work contract and knew I would not have employment/would not be able to pay back my loans while I got back on my feet and I wanted to be proactive. I received no response until XX/XX/XXXX, when I was told how to apply for forbearance. I completed my application and submitted supporting documents on XX/XX/2023 and was sent confirmation that my application was received. I received no updates on my application for a month, and on XX/XX/2023 I called Scratch 's customer service like for updates - I was put on hold indefinitely. I then sent an email to Scratch 's customer service describing the issue that still has not been responded to as of XX/XX/XXXX, though they say their emails are responded to within 2 business days. The next day, XX/XX/XXXX, I called back and discussed my problem with an agent who told me that my application had not even been reviewed. She assured me she would put it through for processing and would send me a confirmation email. I never got this email. Today, XX/XX/XXXX, I attempted to call Scratch once again to resolve my issue, as I still am unable to pay my loan for this month due to unemployment, and when I called I was told that there were no customer service representatives available to help me, and to leave my contact information in a voicemail so that someone can call me back. I am tired of this run-around process, and would hate for non-payment of my loan to be counted against my credit report simply because Scratch could not do its job as my loan servicer and work with me.
Frequently Asked Questions
What is Complaint #7053891 about?
Complaint #7053891 was filed against Scratch Services, INC. regarding Student loan specifically about Struggling to repay your loan. It was received by the CFPB on 2023-05-31T12:00:00-05:00.
How did Scratch Services, 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 (Student 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.