Debt collector · complaint record
4M Collections complaints
Filed under 4M Collections, LLC
Consumers have filed 98 complaints about 4M Collections since 2014, 38 of them in the last 12 months (+73% on the year before). It answered 100% on time and closed 0% with relief for the customer - less often than a typical debt collector. The most common problem is took or threatened to take negative or legal action.
Weak response record. How it works
- Complaints on record
- 98
- Last 12 months
- 38
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 3
- Rank
- #371 of 1,963
Since June 2014
+73% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Nov 13, 2026
Most complained-about debt collectors
4M Collections complaints by month
The busiest month was January 2026 (8 complaints). Complaints in the last 12 months are up 73% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How 4M Collections answered last 12 months
- Closed with explanation38100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers0/400% closed with relief
- Complaint trend3/15+73% vs last year
What 4M Collections complaints are about
Top 4M Collections problems
Inside "Attempts to collect debt not owed"
- Debt is not yours 16
- Debt was paid 8
- Debt was already discharged in bankruptcy and is no longer owed 3
- Debt was result of identity theft 2
Where 4M Collections complaints come from
Most complaints: Washington (37), California (33), Oregon (22), Utah (1), MP.
4M Collections compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | RemexDebt collection | 45 | 39 | D |
| 2 | Merchants Credit BureauDebt collection | 47 | 39 | D |
| 3 | Hayt Hayt & Landau, P.LDebt collection | 60 | 38 | C |
| 4 | Metro Collection ServiceDebt collection | 50 | 38 | C |
| 5 | Collection Attorneys USADebt collection | 56 | 38 | C |
| 6 | National Business FactorsDebt collection | 58 | 38 | C |
| 7 | Gulf Coast Collection BureauDebt collection | 36 | 38 | D |
| 8 | 4M CollectionsDebt collection | 48 | 38 | D |
Compare side by side: 4M Collections vs Remex · 4M Collections vs Merchants Credit Bureau · 4M Collections vs Hayt Hayt & Landau, P.L · 4M Collections vs Metro Collection Service
What people say about 4M Collections
All experiencesNo experiences with 4M Collections yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest 4M Collections complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 13, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 7, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Nov 1, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Oct 4, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 14, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Sep 4, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Aug 28, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Aug 27, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 21, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 14, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 30, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 15, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
Questions about 4M Collections
How many complaints does 4M Collections have?
4M Collections has 98 complaints on record since June 2014, including 38 in the last 12 months and 3 in the last 30 days. That makes it number 780 of every company by complaints this year.
Does 4M Collections respond to complaints?
Yes. 4M Collections answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 48/100 (grade D).
What do people complain about most with 4M Collections?
The most common problems are took or threatened to take negative or legal action (12), false statements or representation (13), attempts to collect debt not owed (29).
Is 4M Collections legit?
4M Collections is a real company with a public complaint record: consumers have complained about it 98 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is 4M Collections legit? for the signals, red flags and how to protect yourself.
Are complaints about 4M Collections going up or down?
Up. There were 38 complaints in the last 12 months against 22 in the 12 before (+73%). See every month.
How do I file a complaint against 4M Collections?
Complain to 4M Collections in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most 4M Collections complaints come from?
Most come from Washington (37), California (33), Oregon (22). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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