CFPB Consumer Complaint Profile
4M Collections, LLC
82 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-05-15
- 82
- Total complaints
- 37
- Last 12 months
- 93.9%
- Timely response
- 6
- States affected
The verdict
82 CFPB complaints put 4M Collections, LLC at #1455 out of 3,848 financial companies ranked by complaint volume. 93.9% of its complaints get an on-time reply, beating the 93% median for the 100+ complaint peer group.
- #1455
- of 3,848 companies by volume
- 93.9%
- answered on time
- Debt collection
- most-complained product
- 6
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2014 | 2 |
| 2015 | 3 |
| 2016 | 5 |
| 2017 | 6 |
| 2018 | 3 |
| 2019 | 1 |
| 2020 | 3 |
| 2021 | 3 |
| 2022 | 4 |
| 2023 | 3 |
| 2024 | 6 |
| 2025 | 31 |
| 2026 | 12 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for 4M Collections, LLC
4M Collections, LLC carries 82 complaints in the CFPB's database, 37 of them filed within the past 12 months. Consumers spanning 6 states and territories have weighed in, giving this a geographically concentrated footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, 4M Collections, LLC answers 93.9% of forwarded complaints. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. The company's response was formally disputed in 20% of resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 0% closed with the consumer receiving monetary or non-monetary relief.
How to read complaint counts
Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does 4M Collections, LLC have?
The CFPB has logged 82 complaints against 4M Collections, LLC to date, of which 37 came in over the last 12 months.
Does 4M Collections, LLC respond to complaints on time?
4M Collections, LLC has a 93.9% timely response rate to CFPB complaints.
What product generates the most complaints for 4M Collections, LLC?
"Debt collection" draws more CFPB complaints against 4M Collections, LLC than any other product - see the full breakdown above.
What is the most common complaint issue with 4M Collections, LLC?
The most common issue reported by consumers about 4M Collections, LLC is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against 4M Collections, LLC?
You can file a complaint against 4M Collections, LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about 4M Collections, LLC?
The CFPB has recorded complaints against 4M Collections, LLC from 6 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~82)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.