![]() ![]() In the end, the only help I got was their guidelines read to be about 25 times. But their solution is, "we'll make sure it's dealt with accordingly". They didn't try and fix what their employees messed up because "it's what thier policy is" and "the system wont allow us". It takes forever for anyone to respond by email. I was being charged late fees (which is probably the only thing they fixed). As soon as I emailed back saying the payment was made, I got and email back from a different representative saying that i was given erong information. I was given wrong information by an employee. I ended up in communication with quite a number of staff and each gave me different answers but NO HELP was rendered. It takes forever for you to get a response. As soon as the situation arose, I immediately contacted their support team. I ended up losing my dog.and shortly after, I lost my job. I applied for assistance when I was in need. They are in violation of the Fair Debt Collection Act. ![]() I need the harassment to stop so I can keep my job. ![]() Each time I speak with someone they yell and talk over me. Calls and texts come in by the dozens each week- one week I received 38 calls and texts- another violation. The letters sent do not fit the format a letter to collect a debt should follow- another violation. That was I found just one of the many violations Scratchpay made with the Fair Debt Collections Act. My phone was running incessantly and repeatedly I explained I would start payments as soon as I could but to please stop calling me because the non stop calls were going to cost me my job. Immediately after the first missed payment the calls, texts, emails and keys began pouring in. I made my first few payments to Scratchpay but then I unexpectedly lost my job and needed to pause payments while I was unemployed and we were without any income. Early December 2022 I needed to take out 2 emergency loans when my pup got deathly ill. ![]()
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