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Data / Consumer complaints / Law Office of Michael J. Scott, PC

Law Office of Michael J. Scott, PC: 402 CFPB consumer complaints in the last 3 years

Updated November 7, 2026. Source: CFPB Consumer Complaint Database.

Law Office of Michael J. Scott, PC drew 402 consumer complaints in the CFPB database in the three years to November 6, 2026, and 672 since 2013. The largest group, 360, was about debt collection, and the most common issue was “Took or threatened to take negative or legal action” with 116. The company responded on time to 99.0% of the complaints, and 0.0% closed with monetary or other relief.

The request: Watch Law Office of Michael J. Scott, PC: each new CFPB complaint by product and issue, with the date and the company response. $10 of work on sign-up, no card.

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SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

  • 402Complaints, last 3 years
  • 672Complaints, all years
  • 99.0%Responded on time
  • 0.0%Closed with relief
  • 6Products
  • Oct 13, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 6122
2025172
202497
202355
202225
202131
202035
201929
201826
201723
201611
201523
201419
20134

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

ProductComplaintsShare
Debt collection36089.6%
Credit reporting or other personal consumer reports256.2%
Credit card61.5%
Debt or credit management61.5%
Payday loan, title loan, personal loan, or advance loan30.7%
Student loan20.5%

Issues

IssueComplaintsShare
Took or threatened to take negative or legal action11628.9%
Attempts to collect debt not owed10826.9%
Written notification about debt5714.2%
False statements or representation5212.9%
Incorrect information on your report112.7%
Problem with a company's investigation into an existing problem112.7%
Communication tactics102.5%
Threatened to contact someone or share information improperly92.2%
Electronic communications82%
Improper use of your report51.2%
Problem with customer service30.7%
Problem with a purchase shown on your statement20.5%
Struggling to repay your loan20.5%
Unauthorized withdrawals or charges20.5%
Charged fees or interest you didn't expect10.2%
Charged upfront or unexpected fees10.2%
Fees or interest10.2%
Money was taken from your bank account on the wrong day or for the wrong amount10.2%
Other features, terms, or problems10.2%
Problem with additional add-on products or services10.2%

How the company responded

Company responseComplaintsShare
Closed with explanation39999.3%
In progress30.7%

States

StateComplaintsShare
Texas20450.7%
California5814.4%
Virginia4511.2%
Pennsylvania297.2%
Alabama225.5%
South Carolina215.2%
Tennessee112.7%
Maryland41%
North Carolina30.7%
Florida20.5%
Georgia20.5%
Nevada10.2%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
October 13, 2026Debt or credit managementProblem with customer serviceClosed with explanationconsumerfinance.gov
October 12, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 7, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 6, 2026Debt collectionAttempts to collect debt not owedIn progressconsumerfinance.gov
October 6, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 6, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 2, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 2, 2026Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
September 28, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
September 27, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
September 21, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 21, 2026Debt collectionTook or threatened to take negative or legal actionIn progressconsumerfinance.gov
September 21, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 20, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 19, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
September 18, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 17, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
September 17, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
September 13, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 11, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 4, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 2, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 2, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
August 29, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
August 28, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
August 27, 2026Debt collectionWritten notification about debtIn progressconsumerfinance.gov
August 25, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
August 22, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
August 18, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 13, 2026Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
August 7, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
August 6, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 5, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 3, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
July 31, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
July 29, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
July 29, 2026Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
July 28, 2026Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
July 25, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
July 22, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 14, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 7, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 7, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
July 5, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 1, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 1, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
July 1, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
July 1, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
June 29, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
June 24, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov

Also on SpecStream

Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.