What is the most common complaint against Four Directions Lending LLC?

The most common issue consumers report about Four Directions Lending LLC is "Communication tactics", specifically "Contacted your employer". This is based on 9 complaints filed with the CFPB.

Are complaints against Four Directions Lending LLC increasing or decreasing?

Complaints against Four Directions Lending LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Four Directions Lending LLC's reputation grade?

Four Directions Lending LLC has a reputation grade of B (score: 62.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Four Directions Lending LLC respond to consumer complaints?

Four Directions Lending LLC has a 100% timely response rate to CFPB complaints.

In how many states does Four Directions Lending LLC operate?

Four Directions Lending LLC has received CFPB complaints from consumers in 8 states, with the most complaints from Maryland (2 complaints).

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

Four Directions Lending LLC - Debt Collector Complaint Profile

CFPB complaint profile across 8 states, reputation grade B.

Compiled by PlainCollector

Communication tactics

5
Threatened to contact someone or share information improperly

4

Data updated September 2026

CFPB complaint disposition

CCDB record four-directions-lending-llc Four Directions Lending LLC

Grade B · 9 CFPB filings · 100% timely · lead issue: Communication tactics · vol #2603 · compose #2052

VOL 9
GRADE B
12MO 0
STATES 8
TIMELY 100%
ISSUE Communication tactics
RANK #2,603
COMPOSE #2,052

Volume peers

Nearest volume peer: 1st Results Billings & Collections, Inc. (9 complaints)

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

Four Directions Lending LLC's 9 CFPB complaints sit next to 1st Results Billings & Collections, Inc. 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 →

Spiky monthly series

Maryland is the plurality state for Four Directions Lending LLC (22.2%)

The 2015-05 spike coincides with a 551-place gap between volume rank #2,603 and composite #2,052. Corpus placement method.

Plurality state: Maryland 22.2%; Mid-band (15–30%) · 8 states with ≥1 filing
Spike month: 2015-05 18.2%; 4 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #2,603 volume; #2,052 composite; Cleanest-composite ladder is 551 places better than volume

How does Four Directions Lending LLC compare to its peers?

How does Four Directions Lending 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

Four Directions Lendin… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-08 2020-01

Issue Detail Breakdown

Issue	Complaints
Communication tactics	5
Threatened to contact someone or share information improperly	4

Where do complaints against Four Directions Lending LLC come from?

Four Directions Lending LLC's own per-state count, not a national baseline.

Maryland

2
Arizona

1
California

1
Florida

1
Illinois

1
Michigan

1
New Hampshire

1
Texas

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Four Directions Lending 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: 9.

4 peers

Know your rights before responding to Four Directions Lending 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.