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

PlusFour, Inc

Complaints in Illinois

F

State Insight: PlusFour, Inc in Illinois

PlusFour, Inc has accumulated 1 CFPB consumer complaint filed by Illinois residents, which represents 0.2% of the company's national total of 450 complaints — a small fraction of this collector's national complaint volume. Of those Illinois filings, 0 landed in the most recent rolling twelve months, with limited recent activity reported in the trailing twelve months.

Nationally, PlusFour, Inc is active across 25 states nationwide, and 79% of national complaints received a timely CFPB response. The CFPB Consumer Complaint Database records narratives submitted directly by consumers and forwarded to the company for response; these submissions reflect allegations and consumer experience rather than adjudicated findings. A high complaint concentration in one state can signal localized collection activity, a regional servicing contract, or simply the state's share of the company's overall portfolio — context that typically requires pairing with population-adjusted rates to interpret.

Source: CFPB Consumer Complaint Database · Window: rolling 12 months vs. full history · Coverage: Illinois only (see national profile for cross-state context)

1
Illinois complaints
0
Last 12 months (state)
0.2%
of national total

National Overview

Total complaints (all states) 450
Last 12 months (all states) 66
Timely response rate 79%
States active 25
View full company profile All collectors in Illinois

Consumer Tip

Under the FDCPA, debt collectors must mail you written notice within 5 days of first contact. You have 30 days to dispute the debt in writing. If you dispute, the collector must stop collection until they provide verification.

Full rights guide →

Data from CFPB Consumer Complaint Database. Complaints are consumer-submitted and not independently verified.

Read our methodology — how this data is sourced, computed, and verified.

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Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

How To Read This Page

This page summarizes the federal CFPB complaint record for PlusFour, Inc from Illinois residents specifically. The 1 state complaints represent 0.2% of the collector's national total (450), reflecting how concentrated this collector's exposure is in Illinois. A high state-share indicates either regional concentration of the collector's portfolio or an active state-level enforcement or consumer-advocacy environment that drives residents toward the federal complaint channel.

State Law and the FDCPA

The federal Fair Debt Collection Practices Act (FDCPA, 15 U.S.C. § 1692) applies to third-party debt collectors and credit-reporting agencies in Illinois the same way it applies in every state. But Illinois may have its own state-level debt-collection statute that adds protections beyond the federal minimum — extending coverage to creditors collecting their own debts, imposing licensing requirements, or adjusting the statute-of-limitations on consumer debt. Check the Illinois attorney general's consumer-protection page for state-specific rights before deciding whether to pursue a state-channel complaint in addition to your CFPB filing.

Filing Your Own Complaint

If your experience with PlusFour, Inc reflects FDCPA violations (harassment, threatening lawsuits the company has no intention of filing, third-party disclosure of the debt, contacting you at work after a documented request to stop, attempting to collect on debt you do not recognize, debt past the statute of limitations, or debt previously paid or discharged), you can file at the federal CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to PlusFour, Inc, which must respond within 15 days. Your complaint becomes part of the federal dataset that powers these pages — you are both a beneficiary of and a contributor to the federal record.

Methodology Note

State-of-residence in the CFPB dataset reflects where the consumer was when filing, not where PlusFour, Inc is headquartered. National collectors operate from a small number of corporate addresses but appear on every state's per-state page when consumers from that state file. The 1 Illinois complaints therefore reflect consumer experience in Illinois, not the collector's local operational footprint.

Reading This Page Alongside the National Profile

Every figure on this page is a per-state slice of the national record for PlusFour, Inc. To understand whether the 1 Illinois complaints reflect a state-specific issue or a national pattern, compare the state share (0.2%) against the underlying state-population share. If your state's share of PlusFour, Inc's national complaint volume materially exceeds your state's share of the national population, that signals concentrated activity in this state — which can mean the collector holds a disproportionate portfolio here, faces stronger state-level enforcement and consumer-advocacy activity that drives federal filings, or has compliance issues specific to this jurisdiction. The collector's main company profile shows the national context for the same metrics.

What This Page Does Not Show

This view does not capture Illinois attorney-general complaints, state banking-regulator complaints, or Illinois state-court litigation against PlusFour, Inc — those records live in separate channels we do not aggregate. A collector with low CFPB volume in Illinois may still face substantial state-level enforcement activity if consumer-advocacy groups direct local residents toward state channels first. For a complete trust profile, cross-reference this federal record with state-channel summaries (most state AGs publish quarterly or annual consumer- complaint reports). The federal CFPB record remains the only continuously updated, machine-readable, national-scope source — which is why it anchors our reputation grades.