Total CFPB complaints
67
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 67 complaints
4M Collections, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 6 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about 4M Collections, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
23 complaints
- Written notification about debt
Written notification about debt
16 complaints
- False statements or representation
False statements or representation
11 complaints
- Took or threatened to take negative or legal action 6
Took or threatened to take negative or legal action
6 complaints
- Cont'd attempts collect debt not owed 5
Cont'd attempts collect debt not owed
5 complaints
- Communication tactics 1
Communication tactics
1 complaints
C
Grade C · 59.8/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about 4M Collections, LLC?
4M Collections, LLC has accumulated 67 total CFPB complaints across 6 states, with 30 filed in the most recent 12 months against 37 historical complaints before that window. The trailing-12-month volume represents 44.8% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 93% timely-response rate against a 20% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 6 states, led by Washington with 26 and California with 20, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.8/100 places 4M Collections, LLC in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
30
44.8% of total history
Rising ↑
States active
6
Distinct state filings
Timely response rate
93%
Within CFPB SLA window
Consumer disputes
20%
After company response
Reputation grade
C
59.8/100 composite
Response-quality profile
How 4M Collections, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 92.5%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 40.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 10.7%
Share of US states + territories with at least one filed complaint against this collector.
How does 4M Collections, LLC compare to its peers?
4M Collections, LLC National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2019-11 2026-03
Top Consumer Issues
Written notification about debt16 (%)
Attempts to collect debt not owed23 (%)
False statements or representation11 (%)
Took or threatened to take negative or legal action6 (%)
Cont'd attempts collect debt not owed5 (%)
Communication tactics1 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify debt
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 14 |
| Attempts to collect debt not owed | Debt is not yours | 12 |
| False statements or representation | Attempted to collect wrong amount | 11 |
| Attempts to collect debt not owed | Debt was paid | 8 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 6 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 3 |
| Cont'd attempts collect debt not owed | Debt was discharged in bankruptcy | 3 |
| Written notification about debt | Didn't receive notice of right to dispute | 2 |
| Cont'd attempts collect debt not owed | Debt is not mine | 2 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
Where do complaints against 4M Collections, LLC come from?
The states where consumers have filed the most CFPB complaints against 4M Collections, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against 4M Collections, LLC
Across 6 states with at least one filing
- Washington
Washington
26 complaints
- California
California
20 complaints
- Oregon
Oregon
17 complaints
- Louisiana 1
Louisiana
1 complaints
- North Dakota 1
North Dakota
1 complaints
- Illinois 1
Illinois
1 complaints
Frequently Asked Questions
What is the most common complaint against 4M Collections, LLC? ▼
The most common issue consumers report about 4M Collections, LLC is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 67 complaints filed with the CFPB.
Are complaints against 4M Collections, LLC increasing or decreasing? ▼
Complaints against 4M Collections, LLC are rising. The company received 30 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: 59.8/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 (26 complaints).
What can I do if 4M Collections, LLC is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If 4M Collections, LLC violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |