CFPB · Single-product concentration
Four Directions Lending LLC
55 CFPB complaints · 80% in "Payday loan, title loan, or personal loan" · top issue Struggling to pay your loan.
Four Directions Lending LLC: 80% of 55 CFPB complaints sit in "Payday loan, title loan, or personal loan". Timely 85.5% · relief 0%. Allegations, not findings.
- Single-product concentration
- +66.7% filings 2020 to 2023
CFPB relief outcome brief
CCDB company four-directions-lending-llc
0% relief · 85.5% timely · 55 filings · Payday loan, title loan, or personal loan
Same-product relief peers
Nearest relief peer: Kashia Services (0% relief)
Four Directions Lending LLC closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Four Directions Lending LLC's 55 filings include narrative text
69.1% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
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 |
Where Four Directions Lending LLC complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- OH
- 12.7% of this company's filings
Four Directions Lending LLC rising annual filings
Annual filing volume from the CFPB public database
- 2023
- 5
- +66.7% vs 2020
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
Four Directions Lending LLC filings cluster in one product
Four Directions Lending LLC's 55 logged complaints stay concentrated: only 20 states show a filing. 69.1% of filings carry a written consumer narrative, 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.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Four Directions Lending 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: 55.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 85.5%.
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 Four Directions Lending LLC (85.5% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration