CFPB Consumer Complaint Profile

PlusFour, Inc

Consumers have filed 534 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.

Data updated 2026-05-15

534
Total complaints
85
Last 12 months
79.6%
Timely response
30
States affected

The verdict

534 CFPB complaints put PlusFour, Inc at #488 out of 3,848 financial companies ranked by complaint volume. Its on-time response rate is 79.6%, trailing the 93% median among companies with 100+ complaints.

#488
of 3,848 companies by volume
79.6%
answered on time
Debt collection
most-complained product
30
states with complaints
PlusFour, Inc timely response rate 79.6%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Debt collection - Medical debt 277
Debt collection - I do not know 98
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 46
Debt collection - Medical 45
Credit reporting or other personal consumer reports - Credit reporting 34
Debt collection - Other debt 17
Debt collection - Other (i.e. phone, health club, etc.) 6
Debt or credit management - Debt settlement 3
Consumer Loan - Installment loan 2
Debt collection - Credit card debt 2

Top Issues

1.Attempts to collect debt not owed 188
2.Written notification about debt 102
3.False statements or representation 53
4.Took or threatened to take negative or legal action 41
5.Incorrect information on your report 37
6.Cont'd attempts collect debt not owed 29
7.Problem with a credit reporting company's investigation into an existing problem 20
8.Improper use of your report 17
9.Disclosure verification of debt 16
10.Communication tactics 10

Complaints by Year

Year Complaints
2014 3
2015 12
2016 29
2017 40
2018 30
2019 56
2020 51
2021 55
2022 49
2023 43
2024 54
2025 95
2026 17

Complaints by State (Top 15)

Nevada 387
California 41
Florida 16
Texas 13
Arizona 12
Utah 9
North Carolina 7
Tennessee 6
Washington 5
Pennsylvania 4
Missouri 3
Colorado 2
Arkansas 2
Illinois 2
Louisiana 2

Company Responses

Closed with explanation 450
Closed 43
Untimely response 40
Closed with monetary relief 1

What the CFPB Complaint Record Shows for PlusFour, Inc

The CFPB Consumer Complaint Database has logged 534 complaints against PlusFour, Inc overall, with 85 of those filed in the trailing 12 months. Reports have come from consumers in 30 states and territories, making this a multi-regional complaint footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. 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.

PlusFour, Inc's timely response rate stands at 79.6%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is far under the 95% benchmark - a material red flag, since late or missing responses are among the strongest predictors of CFPB supervisory interest. Consumers formally disputed the company's response in 14% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Of complaints that were resolved, 0.2% closed with some form of monetary or non-monetary relief to the consumer.

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 PlusFour, Inc have?

PlusFour, Inc has 534 total consumer complaints filed with the CFPB, with 85 filed in the last 12 months.

Does PlusFour, Inc respond to complaints on time?

79.6% of the CFPB complaints against PlusFour, Inc get a response within the expected window. That falls well short of the 95% benchmark most companies clear.

What product generates the most complaints for PlusFour, Inc?

The most complained-about product for PlusFour, Inc is "Debt collection." You can view the full product breakdown on this page.

What is the most common complaint issue with PlusFour, Inc?

"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against PlusFour, Inc - see all issues and counts above.

How do I file a complaint against PlusFour, Inc?

You can file a complaint against PlusFour, Inc 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 PlusFour, Inc?

Consumers in 30 states and territories have filed complaints about PlusFour, Inc with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.

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Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.