Payday & personal loans
Scratch Services payday & personal loans complaints
Consumers have filed 9 complaints about Scratch Services's payday & personal loans. See the whole Scratch Services record.
Scratch Services against other personal & payday lenders
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | Affirm | 2,316 | 100% | 0% |
| 2 | Paramount GR | 904 | 99.8% | 0% |
| 3 | OneMain Financial | 765 | 100% | 7% |
| 4 | Klarna | 652 | 94% | 13% |
| 5 | Block (Cash App) | 447 | 96.2% | 2% |
| 6 | Enova (CashNetUSA, NetCredit) | 434 | 100% | 0% |
| 7 | CCF Intermediate | 388 | 99.7% | 8% |
| 8 | Upgrade | 291 | 100% | 2% |
| 9 | Upstart | 276 | 99.6% | 2% |
| 10 | SoFi | 276 | 100% | 10% |
| 11 | Truist | 274 | 99.6% | 11% |
| 12 | Uprova Credit | 257 | 100% | 0% |
| 13 | Scratch Services | 0 | - | - |
Latest Scratch Services payday & personal loans complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Mar 27, 2023 | Payday & personal loans | Incorrect information on your reportInformation belongs to someone else | Explained |
| Feb 1, 2023 | Payday & personal loans | Received a loan you didn't apply for | Explained |
| Jan 18, 2023 | Payday & personal loans | Problem with the payoff process at the end of the loan | Explained |
| Apr 4, 2022 | Payday & personal loans | Charged fees or interest you didn't expect | Explained |
| Feb 21, 2022 | Payday & personal loans | Charged fees or interest you didn't expect | Explained |
| Feb 19, 2022 | Payday & personal loans | Charged fees or interest you didn't expect | Explained |
| Feb 6, 2022 | Payday & personal loans | Incorrect information on your reportAccount status incorrect | Explained |
| Sep 19, 2021 | Payday & personal loans | Incorrect information on your reportInformation belongs to someone else | Explained |
| Apr 12, 2021 | Payday & personal loans | Charged fees or interest you didn't expect | Explained |
Your rights with personal & payday lenders
You can revoke permission for a lender to take automatic payments from your account by telling the lender and your bank. Many states cap interest or ban payday loans altogether, and the Military Lending Act caps most loans to active-duty servicemembers and their families at 36% APR.
Scam warning: A real lender never asks for a fee up front, a gift card or a "deposit" before sending a loan. Check the lender is licensed in your state.
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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