What is the most common complaint against 4M Collections, LLC?

The most common issue consumers report about 4M Collections, LLC is "Attempts to collect debt not owed", specifically "Didn't receive enough information to verify debt". This is based on 72 complaints filed with the CFPB.

Are complaints against 4M Collections, LLC increasing or decreasing?

Complaints against 4M Collections, LLC are rising. The company received 31 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is 4M Collections, LLC's reputation grade?

4M Collections, LLC has a reputation grade of C (score: 57.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does 4M Collections, LLC respond to consumer complaints?

4M Collections, LLC has a 93% timely response rate to CFPB complaints. Consumers disputed the company's response in 20% of cases.

In how many states does 4M Collections, LLC operate?

4M Collections, LLC has received CFPB complaints from consumers in 6 states, with the most complaints from Washington (29 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

4M Collections, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 6 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

24
Written notification about debt

16
False statements or representation

12
Took or threatened to take negative or legal action

10
Cont'd attempts collect debt not owed

6
Communication tactics

3

Data updated September 2026

CFPB complaint disposition

CCDB record 4m-collections-llc 4M Collections, LLC

Grade C · 72 CFPB filings · 93% timely · lead issue: Attempts to collect debt not owed · vol #983 · compose #2931

VOL 72
GRADE C
12MO 31
STATES 6
TIMELY 93%
DISPUTE 20%
ISSUE Attempts to collect debt n…
RANK #983
COMPOSE #2,931

Volume peers

Nearest volume peer: Automated Accounts Management Services (72 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

4M Collections, LLC's 72 CFPB complaints sit next to Automated Accounts Management Services on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

40.3% of 4M Collections, LLC's CFPB filings land in Washington

High volume does not equal a clean composite: 4M Collections, LLC is volume #983 but composite #2,931, while Washington dominates the geography. Corpus placement method.

Dominant state: Washington 40.3%; 29 of 72 filings · 6 states touched
Seasonal peak: 2025-02 10.3%; 8–15% band · 3 filings
Divergent corpus ranks: #983 volume; #2,931 composite; Cleanest-composite ladder is 1,948 places worse than volume

How does 4M Collections, LLC compare to its peers?

How does 4M Collections, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

4M Collections, LLC National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

93%

92%

91%

Consumer-dispute ratelower is better

20%

18%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2021-08 2026-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	24
Written notification about debt	16
False statements or representation	12
Took or threatened to take negative or legal action	10
Cont'd attempts collect debt not owed	6
Communication tactics	3
Improper contact or sharing of info	1

Where do complaints against 4M Collections, LLC come from?

4M Collections, LLC's own per-state count, not a national baseline.

Washington

29
California

22
Oregon

17
Illinois

1
Louisiana

1
North Dakota

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for 4M Collections, LLC: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 72.

4 peers

Know your rights before responding to 4M Collections, LLC: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.