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Data / Consumer complaints / 4M Collections, LLC

4M Collections, LLC: 62 CFPB consumer complaints in the last 3 years

4M Collections, LLC drew 62 consumer complaints in the CFPB database in the three years to November 6, 2026, and 95 since 2014. The largest group, 53, was about debt collection, and the most common issue was “Attempts to collect debt not owed” with 16. The company responded on time to 100.0% of the complaints, and 0.0% closed with monetary or other relief.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

Watch this company's complaintsGet every debt collection companyGet debt collection in California
  • 62Complaints, last 3 years
  • 95Complaints, all years
  • 100.0%Responded on time
  • 0.0%Closed with relief
  • 3Products
  • Oct 4, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 625
202531
20246
20233
20224
20213
20203
20191
20183
20176
20165
20153
20142

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

ProductComplaintsShare
Debt collection5385.5%
Credit reporting or other personal consumer reports812.9%
Credit card11.6%

Issues

IssueComplaintsShare
Attempts to collect debt not owed1625.8%
Written notification about debt1524.2%
Took or threatened to take negative or legal action1117.7%
False statements or representation1016.1%
Incorrect information on your report69.7%
Improper use of your report23.2%
Communication tactics11.6%
Getting a credit card11.6%

How the company responded

Company responseComplaintsShare
Closed with explanation62100%

States

StateComplaintsShare
California2438.7%
Washington2438.7%
Oregon1016.1%
Illinois11.6%
Northern Mariana Islands11.6%
Utah11.6%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
October 4, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 14, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 4, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
August 28, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
August 27, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 21, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 14, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
June 30, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
June 15, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
June 1, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
May 26, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
April 18, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
April 3, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
March 11, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
March 3, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
February 19, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
February 1, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
January 28, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
January 27, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
January 21, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
January 19, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
January 10, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
January 9, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
January 7, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
January 7, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
December 22, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
December 14, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
December 13, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
December 13, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
December 12, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
December 6, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
December 4, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
November 28, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 25, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
November 20, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
November 12, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
November 7, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 27, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 23, 2025Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
October 20, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 22, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 22, 2025Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
September 2, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 6, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
July 16, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
July 4, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
June 30, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
May 31, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
May 9, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
April 17, 2025Credit cardGetting a credit cardClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.