Debt collection
4M Collections debt collection complaints
Consumers have filed 81 complaints about 4M Collections's debt collection, 33 in the last 12 months. 4M Collections answered 100% on time and closed 0% with relief. See the whole 4M Collections record.
4M Collections against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | 4M Collections | 33 | 100% | 0% |
Latest 4M Collections debt collection complaints
| 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 |
| 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 |
| 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 |
| Jun 1, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 26, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 18, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 3, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Mar 11, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Mar 3, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Feb 1, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jan 28, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jan 27, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jan 21, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jan 19, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jan 10, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jan 9, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Jan 7, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jan 7, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Dec 22, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 13, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 13, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Dec 12, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Dec 6, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
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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