CFPB · Single-product concentration
4M Collections, LLC
85 CFPB complaints · 82.4% in "Debt collection" · top issue Attempts to collect debt not owed.
4M Collections, LLC: 82.4% of 85 CFPB complaints sit in "Debt collection". Timely 94.1% · relief 0%. Allegations, not findings.
- Single-product concentration
- +650% filings 2014 to 2026
CFPB relief outcome brief
CCDB company 4m-collections-llc
0% relief · 94.1% timely · 85 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
4M Collections, LLC closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 85 complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
4M Collections, LLC complaint mix by product
- Debt collection 70 82.4% – 0% relief
- Credit reporting, 7 8.2% – 0% relief
- Credit reporting 7 8.2% – 0% relief
- Credit card 1 1.2% – 0% relief
How 4M Collections, LLC's 85 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 70 |
| Credit reporting, credit repair services, or other personal consumer reports | 7 |
| Credit reporting or other personal consumer reports | 7 |
| Credit card | 1 |
Where 4M Collections, LLC complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- WA
- 37.6% of this company's filings
4M Collections, LLC rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 15
- +650% vs 2014
Top States
| State | Complaints |
|---|---|
| WA | 32 |
| CA | 28 |
| OR | 21 |
| IL | 1 |
| ND | 1 |
| LA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 24 |
| Written notification about debt | 16 |
| False statements or representation | 12 |
| Incorrect information on your report | 11 |
| Took or threatened to take negative or legal action | 8 |
| Cont'd attempts collect debt not owed | 6 |
| Communication tactics | 3 |
| Improper use of your report | 2 |
| Problem with a credit reporting company's investigation into an existing problem | 1 |
| Getting a credit card | 1 |
| Improper contact or sharing of info | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 2 | 0% |
| 2015 | 3 | 100% |
| 2016 | 5 | 40% |
| 2017 | 6 | 100% |
| 2018 | 3 | 100% |
| 2019 | 1 | 100% |
| 2020 | 3 | 100% |
| 2021 | 3 | 100% |
| 2022 | 4 | 100% |
| 2023 | 3 | 100% |
| 2024 | 6 | 100% |
| 2025 | 31 | 100% |
| 2026 | 15 | 100% |
Source: CFPB Consumer Complaint Database
4M Collections, LLC filings cluster in one product
4M Collections, LLC's 85 logged complaints stay concentrated: only 6 states show a filing. Only 32.9% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2014 through 2026-06-01.
4M Collections, LLC answers 94.1% of complaints inside the CFPB's tracked window and closes 100% with a written explanation. 0% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Attempts to collect debt not owed."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about 4M Collections, LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for 4M Collections, LLC: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 85.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 94.1%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for 4M Collections, LLC (94.1% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration