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 2026-08-14
- 534
- Total complaints
- Above average
- 85
- Last 12 months
- 79.6%
- Timely response
- Bottom decile
- 30
- States affected
The verdict
534 CFPB complaints put PlusFour, Inc at #487 out of 3,843 financial companies ranked by complaint volume. Its on-time response rate is 79.6%, the 9th percentile among companies with 100+ complaints.
- #487
- of 3,843 companies by volume
- 79.6%
- on time (9th pctile)
- Debt collection
- most-complained product
- 30
- 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.
PlusFour, Inc vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
79.6% Among the lowest higher than 9% 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 54 in 2024 to 95 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 | 3 |
| 2015 | 12 |
| 2016 | 29 |
| 2017 | 40 |
| 2018 | 30 |
| 2019 | 56 |
| 2020 | 51 |
| 2021 | 55 |
| 2022 | 49 |
| 2023 | 43 |
| 2024 | 54 |
| 2025 | 95 |
| 2026year in progress | 17 |
Complaints by State (Top 15)
Company Responses
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 at a 14% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 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, 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 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?
CFPB complaints against PlusFour, Inc draw a 79.6% timely-response rate inside 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for PlusFour, Inc: 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 (14% 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.