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

CFPB complaint data Grade F 414 complaints

PlusFour, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 25 states, reputation grade F.

Complaints by issue type

What consumers report about PlusFour, Inc

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record plusfour-inc PlusFour, Inc

Grade F · 414 CFPB filings · 79% timely · lead issue: Attempts to collect debt not owed · vol #316 · compose #432

  • VOL 414
  • GRADE F
  • 12MO 12
  • STATES 25
  • TIMELY 79%
  • DISPUTE 15%
  • ISSUE Attempts to collect debt n…
  • RANK #316
  • COMPOSE #432

Volume peers

Nearest volume peer: Northland Group Inc (414 complaints)

California Business Bureau, Inc.California Business Bureau, …408Fidelity National Information Services, Inc. (FNIS)Fidelity National Informatio…410Northland Group IncNorthland Group Inc414PlusFour, Inc (this)PlusFour, Inc (this)414InDebted CorporationInDebted Corporation417
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

PlusFour, Inc's 414 CFPB complaints sit next to Northland Group 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 →

How the 414 complaints break down

Every complaint issue type on record for PlusFour, Inc, not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
48.1/100
PlusFour, Inc

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
414
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response B
79%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
15%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

71.5% of PlusFour, Inc's CFPB filings land in Nevada

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
Nevada 71.5%
296 of 414 filings · 25 states touched
Seasonal peak
2021-08 10.5%
8–15% band · 4 filings
Corpus ranks
#316 volume
#432 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does PlusFour, Inc compare to its peers?

How does PlusFour, Inc compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
PlusFour, Inc National average
Complaints (last 12 mo)lower is better
12
0
268
Timely-response ratehigher is better
79%
100%
91%
Consumer-dispute ratelower is better
15%
10%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy PlusFour, Inc a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 50%60%70%80%90%100%110% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) PlusFour, Inc vs. 9 similar-volume peers, by response speed and dispute rate PlusFour, IncNorthland Group IncFidelity National Information Services, Inc. (FNIS)California Business Bureau, Inc.Designed Receivable Solutions, Inc.Simon's Agency, Inc.Direct Recovery Services, LLCRozlin Financial Group, Inc.AMERICAN HONDA FINANCE CORPSpecialized Loan Servicing Holdings LLC
Source: CFPB Consumer Complaint Database

PlusFour, Inc's complaint volume in context

PlusFour, Inc vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

414 Top 6% higher than 94% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. PlusFour, Inc 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2021-07 2025-09

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
180
Written notification about debt
98
False statements or representation
49
Cont'd attempts collect debt not owed
29
Took or threatened to take negative or legal action
25
Disclosure verification of debt
16
Communication tactics
10
Improper contact or sharing of info
6
Threatened to contact someone or share information improperly
1

Where do complaints against PlusFour, Inc come from?

PlusFour, Inc's own per-state count, not a national baseline.

Top states by complaints against PlusFour, Inc

Across 25 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for PlusFour, Inc: 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: 414.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 79.33333333333333%.

4 peers

Know your rights before responding to PlusFour, Inc: 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.