Four Directions Lending LLC
55 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Four Directions Lending LLC complaint mix by product
- Payday loan, 44 80.0% – 0% relief
- Debt collection 9 16.4% – 0% relief
- Credit reporting, 1 1.8% – 0% relief
- Mortgage 1 1.8% – 0% relief
How Four Directions Lending LLC's 55 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Payday loan, title loan, or personal loan | 44 |
| Debt collection | 9 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
| Mortgage | 1 |
Top States
| State | Complaints |
|---|---|
| OH | 7 |
| CA | 6 |
| FL | 5 |
| MI | 4 |
| TX | 4 |
| WA | 4 |
| IL | 3 |
| MD | 3 |
| NV | 3 |
| TN | 2 |
| IN | 2 |
| SC | 2 |
| AZ | 2 |
| NH | 2 |
| OR | 1 |
| MO | 1 |
| ND | 1 |
| ME | 1 |
| LA | 1 |
| KS | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Struggling to pay your loan | 12 |
| Charged fees or interest you didn't expect | 11 |
| Problem when making payments | 5 |
| Can't contact lender or servicer | 5 |
| Communication tactics | 5 |
| Threatened to contact someone or share information improperly | 4 |
| Was approved for a loan, but didn't receive the money | 3 |
| Can't stop withdrawals from your bank account | 2 |
| Money was taken from your bank account on the wrong day or for the wrong amount | 1 |
| Getting a line of credit | 1 |
| Loan payment wasn't credited to your account | 1 |
| Getting the loan | 1 |
| Improper use of your report | 1 |
| Trouble during payment process | 1 |
| Received a loan you didn't apply for | 1 |
| Problem with the payoff process at the end of the loan | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2020 | 3 | 100% |
| 2021 | 30 | 73.3% |
| 2022 | 17 | 100% |
| 2023 | 5 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Four Directions Lending LLC
Four Directions Lending LLC's 55 logged complaints stay concentrated: only 20 states show a filing on record. 69.1% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - an unusually well-documented record. Records run from 2020 through 2023-04-20.
Four Directions Lending LLC answers 85.5% 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. "Payday loan, title loan, or personal loan" draws the most filings, most often for "Struggling to pay your loan."
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 Four Directions Lending LLC.
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.
Frequently Asked Questions
How many CFPB complaints does Four Directions Lending LLC have?
55, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Four Directions Lending LLC respond to complaints on time?
85.5% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Four Directions Lending LLC?
"Struggling to pay your loan", filed under the "Payday loan, title loan, or personal loan" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.