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          Scratch Financial, Inc. has 1 locations, listed below.

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            Business ProfileScratch Financial, Inc.

            Financial Services
            BBB accredited business

            Contact Information

            225 S Lake Ave #250

            Pasadena, CA 91101-4895

            Get Directions
            Visit Website
            (855) 727-2395

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            Customer Reviews

            1.57/5

            Average of 7 Customer Reviews

            Read ReviewsStart a Review

            Customer Complaints

            37 complaints closed in last 3 years

            9 complaints closed in last 12 months

            Read ComplaintsFile a Complaint

            BBB Rating & Accreditation

            BBB accredited businessA+

            Accredited Since: 2/9/2022

            Years in Business: 8

            Customer Reviews are not used in the calculation of BBB Rating

            Overview of BBB Rating

            Related Categories

            Business Details

            Location of This Business
            225 S Lake Ave #250, Pasadena, CA 91101-4895
            BBB File Opened:
            12/19/2019
            Years in Business:
            8
            Business Started:
            1/11/2016
            Business Incorporated:
            1/11/2016
            Accredited Since:
            2/9/2022
            Licensing Information:
            This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.
            BBB records show a license number of C4016777 for this business, issued by Secretary of State-Corporations

            These agencies may include:

            Secretary of State-Corporations

            1500 11th Street

            Sacramento CA 95814

            (916) 653-6814

            https://businesssearch.sos.ca.gov/

            Type of Entity:
            Corporation
            Alternate Business Name
            • Scratchpay
            Business Management
            • John Keatley, CEO
            • Mr. Hunter Dotson, Sr. Risk Operations Analyst
            Contact Information

            Principal

            • Mr. Hunter Dotson, Sr. Risk Operations Analyst

            Customer Contact

            • John Keatley, CEO
            • Mr. Hunter Dotson, Sr. Risk Operations Analyst
            Read More Business Details and See Alerts

            Industry Tip

            BBB Tip: How to shop for financial services

            Customer Complaints

            37 Customer Complaints

            Need to file a complaint? BBB is here to help. We'll guide you through the process. How BBB Processes Complaints and Reviews

            File a Complaint

            Most Recent Customer Complaint

            09/18/2024

            Complaint Type:
            Customer Service Issues
            Status:
            Answered
            Scratch Financial received a request to close a line of credit for a bill that is paid in full. The account is still open and the balance should be $-95.00. Animal ****************** *************** was over-paid (never sent a refund for the overpayment nor adjustment for services not performed) and to date the manager has not returned my call regarding this issue.
            Read 36 More Complaints

            Customer Reviews

            7 Customer Reviews

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            How BBB Processes Complaints and Reviews

            Start a Review

            Most Recent Customer Review

            Cassandra K

            11/06/2024

            My dog had a life threatening emergency that happened right after an expensive move that left me temporarily stuck living paycheck to paycheck. I was denied a loan because my credit history was not long enough. Forget the fact that I have a well paying job, good credit, a good history of paying bills on time, and all that. Even after talking to customer service, they refused to do anything because their system automatically approves and denies people based off of preset criteria. I got lucky that my vet was willing to work with me and I was able to save my dogs life, but I cannot imagine what could have happened if my vet was not understanding of the situation. I have strong reasons to believe that I was denied automatically by their system because of my young age.

            Scratch Financial, Inc. Response

            11/15/2024

            After reviewing the applicants case, we can confirm that they did submit multiple applications as they stated in their review. However, Scratch also confirms that each was appropriately decisioned based upon eligibility criteria. For consumer privacy purposes, the specific decisioning criteria associated with this application cannot be discussed via an online review response. If the applicant has any additional questions or concerns, Scratch is happy to assist - we can be contacted directly at ********************************** or ************.
            Read 6 More Customer Reviews

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            BBB of Los Angeles & Silicon Valley

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