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7491568
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2023-09-02
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Problem with additional add-on products or services
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Payday loan, title loan, personal loan, or advance loan
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|
| Issue |
Problem with additional add-on products or services
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| Timely |
Yes
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| Company |
Scratch Financial, Inc.
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| Product |
Payday loan, title loan, personal loan, or advance loan
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| Sub Product |
Installment loan
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| Date Received |
2023-09-02
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2023-09-19
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| Company Public Response |
Company believes the complaint provided an opportunity to answer consumer's questions
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| Complaint What Happened |
It has come to my attention that the company, ScratchXXXX Financial Inc., has reported that I owe money and have a signed contract with the organization. However, I must strongly dispute the accuracy of this information, as it is entirely false and misleading.
I want to make it clear that I do not owe ScratchXXXX Financial Inc. any money, nor do I have any signed contract with the company. It is both inaccurate and unjust for such information to be reflected on my credit report, as it has the potential to harm my creditworthiness and financial reputation.
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| Consumer Consent Provided |
Consent provided
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6581383
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2023-02-16
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Incorrect information on your report
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Credit reporting, credit repair services, or other personal consumer reports
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|
| Issue |
Incorrect information on your report
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| Timely |
Yes
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| Company |
Scratch Financial, Inc.
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| Product |
Credit reporting, credit repair services, or other personal consumer reports
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| Sub Issue |
Account status incorrect
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| Sub Product |
Credit reporting
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| Date Received |
2023-02-16
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2023-03-15
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| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
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| Complaint What Happened |
SCRATCH FINANCIAL INC has incorrectly reported that we didn't pay the balance in full on time even though the main report shows paid in full on time every single month, they have reported we missed a payment of {$18.00} at the end of the loan which is 100 % incorrect. we always paid {$98.00} on time every month then we get a random {$18.00} report we were never made aware of- We even paid the the {$18.00} just to be safe even though we didn't think it was owed due to the website saying account is " paid in full on time ''. this is 100 % accounting error and is holding me back from finically being able to go forward on a new home.
Please see screen shots of them reporting all 100 % paid on time but then accidentally reporting a missed payment.
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| Consumer Consent Provided |
Consent provided
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4936994
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2021-11-22
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Incorrect information on your report
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Credit reporting, credit repair services, or other personal consumer reports
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|
| Issue |
Incorrect information on your report
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| Timely |
Yes
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| Company |
Scratch Financial, Inc.
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| Product |
Credit reporting, credit repair services, or other personal consumer reports
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| Sub Issue |
Information belongs to someone else
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| Sub Product |
Credit reporting
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| Date Received |
2021-11-22
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2021-12-08
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| Consumer Consent Provided |
Consent not provided
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5502331
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2022-04-26
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Getting a line of credit
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Payday loan, title loan, or personal loan
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|
| Issue |
Getting a line of credit
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| Timely |
Yes
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| Company |
Scratch Financial, Inc.
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| Product |
Payday loan, title loan, or personal loan
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| Sub Product |
Personal line of credit
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| Date Received |
2022-04-26
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2022-06-07
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| Company Public Response |
Company believes the complaint is the result of a misunderstanding
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| Complaint What Happened |
I opened a line of credit with scratchXXXX to take care of XXXX XXXX Originally the loan was opened for {$1500.00} but I was informed that I was approved for over {$6000.00}. Later it was determined that I did not need that much money for my dog and only {$430.00}. They did not adjust the monthly payment of the loan for this amount. I called them and they said I needed to speak with my veterinarians office but I explained that my vets office was not open and if I waited the bill would be late. The woman I spoke with said there is a grace period I didnt have to worry about the bill being late. I called my vet and they said said they would notify ScratchXXXX and I would get a new bill. I did not get a new bill. I was hit with a late charge and I did make a payment but they are telling me the amount is incorrect. Also, today I needed to use {$170.00} of the loan and they said I will have no trouble adding this amount to my loan. Later after my vet added the amount to my balance I received a call from the vets office saying they took it back. I called scratchXXXX and they said my loan is no longer valid as of XX/XX/22 and that I needed to apply again. I applied and they denied me the funds. I dont know what to do. This is not a significant amount of debt but I dont feel like this is how loans work nor do I feel that I am being treated fairly.
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| Consumer Consent Provided |
Consent provided
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