What is the most common complaint against PlusFour, Inc?

The most common issue consumers report about PlusFour, Inc is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 414 complaints filed with the CFPB.

Are complaints against PlusFour, Inc increasing or decreasing?

Complaints against PlusFour, Inc are falling. The company received 12 complaints in the last 12 months, showing improvement over prior periods.

What is PlusFour, Inc's reputation grade?

PlusFour, Inc has a reputation grade of F (score: 48.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does PlusFour, Inc respond to consumer complaints?

PlusFour, Inc has a 79% timely response rate to CFPB complaints. Consumers disputed the company's response in 15% of cases.

In how many states does PlusFour, Inc operate?

PlusFour, Inc has received CFPB complaints from consumers in 25 states, with the most complaints from Nevada (296 complaints).

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

PlusFour, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 25 states, reputation grade F.

Compiled by PlainCollector

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

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 #4309

VOL 414
GRADE F
12MO 12
STATES 25
TIMELY 79%
DISPUTE 15%
ISSUE Attempts to collect debt n…
RANK #316
COMPOSE #4,309

Volume peers

Nearest volume peer: Northland Group Inc (414 complaints)

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 →

State-heavy filing map

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

High volume does not equal a clean composite: PlusFour, Inc is volume #316 but composite #4,309, while Nevada dominates the geography. 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
Divergent corpus ranks: #316 volume; #4,309 composite; Cleanest-composite ladder is 3,993 places worse than volume

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

268

Timely-response ratehigher is better

79%

100%

91%

Consumer-dispute ratelower is better

15%

10%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Nevada

296
California

31
Florida

16
Arizona

10
Texas

8
Utah

8
North Carolina

6
Tennessee

6

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.