Debt collector · complaint record
Scratch Services complaints
Filed under Scratch Services, Inc.
Consumers have filed 43 complaints about Scratch Services since 2020, none in the last 12 months. It answered 76.7% on time and closed 5% 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
- 43
- Last 12 months
- 0
- Answered on time
- 76.7%
- Closed with relief
- 5%
- Last 30 days
- 0
- Rank
- -
Since September 2020
new vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Jul 20, 2024
Scratch Services complaints by month
The busiest month was January 2023 (8 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Scratch Services answered all time
- Closed with monetary relief24.7%
- Closed with explanation4195.3%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Scratch Services complaints are about
Top Scratch Services problems
Inside "Attempts to collect debt not owed"
- Debt is not yours 6
- Debt was result of identity theft 4
- Debt was paid 4
Where Scratch Services complaints come from
Most complaints: Texas (5), California (4), New York (4), Maryland (3), Michigan (3).
Scratch Services compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Green SquareDebt collection | 10 | 25 | F |
| 2 | EMoneyUSADebt collection | 53 | 25 | C |
| 3 | Mullooly Jeffrey Rooney & FlynnDebt collection | 56 | 25 | C |
| 4 | Credit World ServicesDebt collection | 47 | 25 | D |
| 5 | Keynote ConsultingDebt collection | 10 | 25 | F |
| 6 | Augusta Collection AgencyDebt collection | 10 | 25 | F |
| 7 | Advance Bureau of CollectionsDebt collection | 19 | 25 | F |
| 8 | Scratch ServicesDebt collection | - | 0 | - |
Compare side by side: Scratch Services vs Green Square · Scratch Services vs EMoneyUSA · Scratch Services vs Mullooly Jeffrey Rooney & Flynn · Scratch Services vs Credit World Services
What people say about Scratch Services
All experiencesNo experiences with Scratch Services yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Scratch Services complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Jul 20, 2024 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jul 1, 2024 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| May 27, 2024 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Apr 27, 2024 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jan 12, 2024 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 22, 2023 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Aug 23, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 2, 2023 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| May 31, 2023 | Student loans | Struggling to repay your loanCan't temporarily delay making payments | Explained |
| Mar 28, 2023 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Mar 27, 2023 | Payday & personal loans | Incorrect information on your reportInformation belongs to someone else | Explained |
| Feb 13, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
Questions about Scratch Services
How many complaints does Scratch Services have?
Scratch Services has 43 complaints on record since September 2020, including 0 in the last 12 months and 0 in the last 30 days.
Does Scratch Services respond to complaints?
Yes. Scratch Services answered 76.7% of its complaints on time (within 15 days) and closed 5% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with Scratch Services?
The most common problems are attempts to collect debt not owed (14), incorrect information on your report (9), written notification about debt (5).
Is Scratch Services legit?
Scratch Services is a real company with a public complaint record: consumers have complained about it 43 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Scratch Services legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Scratch Services?
Complain to Scratch Services 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 Services complaints come from?
Most come from Texas (5), California (4), New York (4). 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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