Debt collection
Scratch Services debt collection complaints
Consumers have filed 23 complaints about Scratch Services's debt collection. See the whole Scratch Services record.
Scratch Services 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 Services | 0 | - | - |
Latest Scratch Services debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| 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 |
| Feb 13, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jan 30, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jan 27, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jan 25, 2023 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jan 20, 2023 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jan 18, 2023 | Debt collection | Written notification about debtNotification didn't disclose it was an attempt to collect a debt | Explained |
| Jan 17, 2023 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jan 15, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Dec 5, 2022 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 25, 2022 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Money back |
| Jun 13, 2022 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| May 24, 2022 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jan 9, 2022 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Dec 7, 2021 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Nov 1, 2021 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Oct 19, 2021 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Sep 30, 2020 | Debt collection | Communication tacticsFrequent or repeated calls | Money back |
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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