Credit bureau · complaint record
Scratch Financial complaints
Filed under Scratch Financial, Inc.
Consumers have filed 65 complaints about Scratch Financial since 2020, 17 of them in the last 12 months (-6% on the year before). It answered 100% on time and closed 0% with relief for the customer. The most common problem is attempts to collect debt not owed.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 65
- Last 12 months
- 17
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 1
- Rank
- #160 of 566
Since February 2020
-6% vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Nov 3, 2026
Most complained-about credit bureaus & report companies
Scratch Financial complaints by month
The busiest month was July 2025 (5 complaints). Complaints in the last 12 months are about level, 0% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Scratch Financial answered all time
- Closed with non-monetary relief57.7%
- Closed with explanation6092.3%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Scratch Financial complaints are about
Top Scratch Financial problems
Inside "Incorrect information on your report"
- Information belongs to someone else 11
- Account information incorrect 6
- Account status incorrect 4
Where Scratch Financial complaints come from
Most complaints: California (13), Texas (11), Arizona (5), Florida (5), Utah (3).
Scratch Financial compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Apple FinancingCredit reporting | 57 | 28 | C |
| 2 | Nav TechnologiesCredit reporting | 55 | 28 | C |
| 3 | Opportunity FundCredit reporting | 51 | 27 | C |
| 4 | Heritage Financial GroupCredit reporting | 0 | 27 | F |
| 5 | Informative ResearchCredit reporting | 60 | 26 | C |
| 6 | Pennsylvania Housing Finance AgencyCredit reporting | 56 | 25 | C |
| 7 | King of Credit FinancialCredit reporting | 10 | 25 | F |
| 8 | Scratch FinancialCredit reporting | - | 17 | - |
Compare side by side: Scratch Financial vs Apple Financing · Scratch Financial vs Nav Technologies · Scratch Financial vs Opportunity Fund · Scratch Financial vs Heritage Financial Group
What people say about Scratch Financial
All experiencesNo experiences with Scratch Financial yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Scratch Financial complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 3, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Oct 16, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Oct 8, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 30, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 30, 2026 | Payday & personal loans | Problem with the payoff process at the end of the loan | Explained |
| Jun 26, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Apr 6, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 30, 2026 | Payday & personal loans | Charged fees or interest you didn't expect | Explained |
| Mar 5, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 2, 2026 | Payday & personal loans | Getting the loan | Explained |
| Jan 29, 2026 | Credit cards | Problem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statement | Explained |
| Jan 20, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
Questions about Scratch Financial
How many complaints does Scratch Financial have?
Scratch Financial has 65 complaints on record since February 2020, including 17 in the last 12 months and 1 in the last 30 days. That makes it number 1,166 of every company by complaints this year.
Does Scratch Financial respond to complaints?
Yes. Scratch Financial answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only.
What do people complain about most with Scratch Financial?
The most common problems are attempts to collect debt not owed (10), problem with a company's investigation into an existing problem (5), incorrect information on your report (21).
Is Scratch Financial legit?
Scratch Financial is a real company with a public complaint record: consumers have complained about it 65 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Scratch Financial legit? for the signals, red flags and how to protect yourself.
Are complaints about Scratch Financial going up or down?
Roughly level. There were 17 complaints in the last 12 months against 18 in the 12 before (-6%). See every month.
How do I file a complaint against Scratch Financial?
Complain to Scratch Financial in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Scratch Financial complaints come from?
Most come from California (13), Texas (11), Arizona (5). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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