Total CFPB complaints
450
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 450 complaints
PlusFour, Inc — Debt Collector Complaint Profile
CFPB complaint profile across 25 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about PlusFour, Inc
- Attempts to collect debt not owed
Attempts to collect debt not owed
185 complaints
- Written notification about debt
Written notification about debt
96 complaints
- False statements or representation 51
False statements or representation
51 complaints
- Took or threatened to take negative or legal action 36
Took or threatened to take negative or legal action
36 complaints
- Cont'd attempts collect debt not owed 28
Cont'd attempts collect debt not owed
28 complaints
- Disclosure verification of debt 12
Disclosure verification of debt
12 complaints
F
Grade F · 51.3/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about PlusFour, Inc?
PlusFour, Inc has accumulated 450 total CFPB complaints across 25 states, with 66 filed in the most recent 12 months against 384 historical complaints before that window. The trailing-12-month volume represents 14.7% 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 "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 79% timely-response rate against a 15% 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 25 states, led by Nevada with 326 and California with 35, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 51.3/100 places PlusFour, Inc in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
66
14.7% of total history
Rising ↑
States active
25
Distinct state filings
Timely response rate
79%
Within CFPB SLA window
Consumer disputes
15%
After company response
Reputation grade
F
51.3/100 composite
Response-quality profile
How PlusFour, Inc performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 79.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 29.1%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 44.6%
Share of US states + territories with at least one filed complaint against this collector.
How does PlusFour, Inc compare to its peers?
PlusFour, Inc 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)
2024-03 2026-02
Top Consumer Issues
Attempts to collect debt not owed185 (%)
Written notification about debt96 (%)
False statements or representation51 (%)
Took or threatened to take negative or legal action36 (%)
Cont'd attempts collect debt not owed28 (%)
Disclosure verification of debt12 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 111 |
| Written notification about debt | Didn't receive enough information to verify debt | 58 |
| False statements or representation | Attempted to collect wrong amount | 51 |
| Attempts to collect debt not owed | Debt was paid | 40 |
| Written notification about debt | Didn't receive notice of right to dispute | 38 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 36 |
| Attempts to collect debt not owed | Debt was result of identity theft | 34 |
| Cont'd attempts collect debt not owed | Debt was paid | 19 |
| Disclosure verification of debt | Not given enough info to verify debt | 12 |
| Cont'd attempts collect debt not owed | Debt is not mine | 9 |
Where do complaints against PlusFour, Inc come from?
The states where consumers have filed the most CFPB complaints against PlusFour, Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against PlusFour, Inc
Across 25 states with at least one filing
- Nevada
Nevada
326 complaints
- California 35
California
35 complaints
- Florida 16
Florida
16 complaints
- Arizona 10
Arizona
10 complaints
- Texas 9
Texas
9 complaints
- Utah 8
Utah
8 complaints
- North Carolina 6
North Carolina
6 complaints
- Tennessee 6
Tennessee
6 complaints
Frequently Asked Questions
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 450 complaints filed with the CFPB.
Are complaints against PlusFour, Inc increasing or decreasing? ▼
Complaints against PlusFour, Inc are rising. The company received 66 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is PlusFour, Inc's reputation grade? ▼
PlusFour, Inc has a reputation grade of F (score: 51.3/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 (326 complaints).
What can I do if PlusFour, Inc 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 PlusFour, Inc 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 |