Debt collection
Scratch Financial debt collection complaints
Consumers have filed 12 complaints about Scratch Financial's debt collection, 5 in the last 12 months. Scratch Financial answered 100% on time and closed 0% with relief. See the whole Scratch Financial record.
Scratch Financial against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Scratch Financial | 5 | 100% | 0% |
Latest Scratch Financial debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| 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 |
| 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 5, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 1, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jul 25, 2024 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 2, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 25, 2022 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Sep 6, 2022 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jan 16, 2022 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Nov 10, 2021 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
General information, not legal advice; rules vary by state. Plain-English guides
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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