CFPB Consumer Complaint Profile
Four Directions Lending LLC
What 55 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 55
- Total complaints
- Mid-range
- 0
- Last 12 months
- 85.5%
- Timely response
- Bottom quartile
- 20
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Four Directions Lending LLC sits at #1743, with 55 complaints logged. It posts a 85.5% on-time response rate, the 13th percentile among companies with 100+ complaints.
- #1743
- of 3,843 companies by volume
- 85.5%
- on time (13th pctile)
- Payday loan, title l…
- most-complained product
- 20
- 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.
Four Directions Lending LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
85.5% Among the lowest higher than 13% 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 2022 to 2023 complete years
- Annual CFPB complaint volume moved from 17 in 2022 to 5 in 2023 (2022 → 2023).
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 |
|---|---|
| 2020 | 3 |
| 2021 | 30 |
| 2022 | 17 |
| 2023 | 5 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Four Directions Lending LLC
The CFPB Consumer Complaint Database has logged 55 complaints against Four Directions Lending LLC overall, with 0 of those filed in the trailing 12 months. Reports have come from consumers in 20 states and territories, making this a multi-regional complaint footprint. The single largest complaint category is "Payday loan, title loan, or personal loan," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Struggling to pay your loan" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Within the Bureau's 15-day response window, Four Directions Lending LLC posts a 85.5% reply rate on forwarded complaints. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0% rate.
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 Four Directions Lending LLC have?
The CFPB has logged 55 complaints against Four Directions Lending LLC to date, of which 0 came in over the last 12 months.
Does Four Directions Lending LLC respond to complaints on time?
Four Directions Lending LLC's CFPB timely-response rate is 85.5%.
What product generates the most complaints for Four Directions Lending LLC?
"Payday loan, title loan, or personal loan" draws more CFPB complaints against Four Directions Lending LLC than any other product - see the full breakdown above.
What is the most common complaint issue with Four Directions Lending LLC?
"Struggling to pay your loan" is the single most frequently cited issue in complaints against Four Directions Lending LLC - see all issues and counts above.
How do I file a complaint against Four Directions Lending LLC?
You can file a complaint against Four Directions Lending 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 Four Directions Lending LLC?
Four Directions Lending LLC has drawn CFPB complaints from 20 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Also handles Payday loan, title loan, or personal loan
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.