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 2026-08-14
- 82
- Total complaints
- Mid-range
- 37
- Last 12 months
- 93.9%
- Timely response
- Below median
- 6
- States affected
The verdict
82 CFPB complaints put 4M Collections, LLC at #1453 out of 3,843 financial companies ranked by complaint volume. On-time replies land at 93.9%, the 26th percentile for the 100+ complaint peer group.
- #1453
- of 3,843 companies by volume
- 93.9%
- on time (26th pctile)
- Debt collection
- most-complained product
- 6
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
4M Collections, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
93.9% Around the middle higher than 26% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 6 in 2024 to 31 in 2025 (2024 → 2025).
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 |
| 2026year in progress | 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 posts a 93.9% reply rate on forwarded complaints. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. The company's response carried a 20% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, the consumer-relief closure rate is 0%.
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, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for 4M Collections, LLC: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (20% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.