Four Directions Lending LLC -- Consumer Complaint Report & Risk Analysis
Four Directions Lending LLC: Multiple Complaints About Loan Payments and Fees
Complaint Summary
Four Directions Lending LLC has received 15 consumer complaints filed with the CFPB across 4 products. The most common issues reported are struggling to pay your loan, charged fees or interest you didn't expect, communication tactics. Complaints span 12 states, with Ohio and California leading in complaint volume.
Company Overview
Company: Four Directions Lending LLC
Total CFPB Complaints: 15
AI Risk Score: 32/100
Most Recent Complaint: 2021-12-26T12:00:00-05:00
Risk Breakdown
- Complaint Volume: medium
- Response Quality: fair
- Issue Recurrence: medium
- Consumer Harm Severity: low
AI Company Analysis
Four Directions Lending LLC has 14 consumer complaints on file with the CFPB. Four Directions Lending LLC has received 14 complaints. Issues include struggling to pay loans, unexpected fees, and improper communication tactics.
Response Quality Assessment
fair
Top Consumer Issues
Struggling to pay your loan -- Severity: medium
Red Flags
- Charged fees or interest you didn't expect
Green Flags
- Received a loan you didn't apply for
Consumer Tips & Advice
Be cautious of unexpected charges and verify your loan application details.
Complaint Trend Analysis
There is a trend of increasing complaints about unexpected fees and improper communication tactics.
Regulatory History
Regulatory history shows ongoing investigations into lending practices.
Industry Context
The payday, title, and personal loan market is highly regulated to protect consumers from predatory lending practices.
Frequently Asked Questions About Four Directions Lending LLC
How many CFPB complaints does Four Directions Lending LLC have?
Four Directions Lending LLC has 14 complaints on file with the CFPB. The most recent complaint was filed on July 11, 2022.
What is Four Directions Lending LLC's complaint response rate?
Response rate data is not yet available for Four Directions Lending LLC.
Does Four Directions Lending LLC respond to complaints on time?
Timely response data is not yet available for Four Directions Lending LLC.
Is Four Directions Lending LLC safe to do business with?
Four Directions Lending LLC: Multiple Complaints About Loan Payments and Fees Four Directions Lending LLC has 14 CFPB complaints. Risk score: 32/100.
What red flags exist for Four Directions Lending LLC?
Potential red flags for Four Directions Lending LLC: Charged fees or interest you didn't expect. These are based on analysis of CFPB complaint patterns.
What are Four Directions Lending LLC's strengths?
Positive indicators for Four Directions Lending LLC: Received a loan you didn't apply for.
What tips should consumers know about Four Directions Lending LLC?
Be cautious of unexpected charges and verify your loan application details.
Are complaints against Four Directions Lending LLC increasing or decreasing?
There is a trend of increasing complaints about unexpected fees and improper communication tactics. Four Directions Lending LLC currently has 14 total complaints.
Has Four Directions Lending LLC faced regulatory action?
Regulatory history shows ongoing investigations into lending practices.
How does Four Directions Lending LLC compare to industry peers?
The payday, title, and personal loan market is highly regulated to protect consumers from predatory lending practices.
What are the most common issues reported by consumers regarding Four Directions Lending LLC?
The most common issues reported are struggling to pay loans and unexpected fees or interest charges.
Recent Complaints Against Four Directions Lending LLC
| Complaint ID | Product | Issue | Date Received | Company Response | State |
|---|---|---|---|---|---|
| #6868546 | Payday loan, title loan, or personal loan | Struggling to pay your loan | 2023-04-20T12:00:00-05:00 | Ohio | |
| #6635727 | Payday loan, title loan, or personal loan | Struggling to pay your loan | 2023-03-01T12:00:00-05:00 | Michigan | |
| #6525849 | Payday loan, title loan, or personal loan | Charged fees or interest you didn't expect | 2023-02-04T12:00:00-05:00 | California | |
| #6009888 | Payday loan, title loan, or personal loan | Received a loan you didn't apply for | 2022-09-22T12:00:00-05:00 | Ohio | |
| #5983130 | Debt collection | Threatened to contact someone or share information improperly | 2022-09-14T12:00:00-05:00 | Texas | |
| #5759661 | Mortgage | Trouble during payment process | 2022-07-11T12:00:00-05:00 | Washington | |
| #5041562 | Credit reporting, credit repair services, or other personal consumer reports | Improper use of your report | 2021-12-26T12:00:00-05:00 | Louisiana | |
| #4962374 | Payday loan, title loan, or personal loan | Struggling to pay your loan | 2021-11-30T12:00:00-05:00 | South Carolina | |
| #4839037 | Payday loan, title loan, or personal loan | Charged fees or interest you didn't expect | 2021-10-24T12:00:00-05:00 | Florida | |
| #4736352 | Payday loan, title loan, or personal loan | Struggling to pay your loan | 2021-09-20T12:00:00-05:00 | Ohio | |
| #4708029 | Payday loan, title loan, or personal loan | Charged fees or interest you didn't expect | 2021-09-09T12:00:00-05:00 | Tennessee | |
| #4408282 | Payday loan, title loan, or personal loan | Getting the loan | 2021-05-26T12:00:00-05:00 | California | |
| #4379203 | Payday loan, title loan, or personal loan | Charged fees or interest you didn't expect | 2021-05-14T12:00:00-05:00 | Missouri | |
| #4365844 | Debt collection | Communication tactics | 2021-05-10T12:00:00-05:00 | Illinois | |
| #4362789 | Debt collection | Communication tactics | 2021-05-09T12:00:00-05:00 | Arizona |
Four Directions Lending LLC Complaints by State
- Four Directions Lending LLC Complaints in Ohio -- 3 complaints
- Four Directions Lending LLC Complaints in California -- 2 complaints
- Four Directions Lending LLC Complaints in Michigan -- 1 complaints
- Four Directions Lending LLC Complaints in Texas -- 1 complaints
- Four Directions Lending LLC Complaints in Washington -- 1 complaints
- Four Directions Lending LLC Complaints in Louisiana -- 1 complaints
- Four Directions Lending LLC Complaints in South Carolina -- 1 complaints
- Four Directions Lending LLC Complaints in Florida -- 1 complaints
- Four Directions Lending LLC Complaints in Tennessee -- 1 complaints
- Four Directions Lending LLC Complaints in Missouri -- 1 complaints
- Four Directions Lending LLC Complaints in Illinois -- 1 complaints
- Four Directions Lending LLC Complaints in Arizona -- 1 complaints
Four Directions Lending LLC Complaints by Product
- Four Directions Lending LLC Payday loan, title loan, or personal loan Complaints -- 10 complaints | All Payday loan, title loan, or personal loan Complaints
- Four Directions Lending LLC Debt collection Complaints -- 3 complaints | All Debt collection Complaints
- Four Directions Lending LLC Mortgage Complaints -- 1 complaints | All Mortgage Complaints
- Four Directions Lending LLC Credit reporting, credit repair services, or other personal consumer reports Complaints -- 1 complaints | All Credit reporting, credit repair services, or other personal consumer reports Complaints
Four Directions Lending LLC Complaints by Issue
- Four Directions Lending LLC -- Struggling to pay your loan -- 4 complaints | All Struggling to pay your loan Complaints
- Four Directions Lending LLC -- Charged fees or interest you didn't expect -- 4 complaints | All Charged fees or interest you didn't expect Complaints
- Four Directions Lending LLC -- Communication tactics -- 2 complaints | All Communication tactics Complaints
- Four Directions Lending LLC -- Received a loan you didn't apply for -- 1 complaints | All Received a loan you didn't apply for Complaints
- Four Directions Lending LLC -- Threatened to contact someone or share information improperly -- 1 complaints | All Threatened to contact someone or share information improperly Complaints
- Four Directions Lending LLC -- Trouble during payment process -- 1 complaints | All Trouble during payment process Complaints
- Four Directions Lending LLC -- Improper use of your report -- 1 complaints | All Improper use of your report Complaints
- Four Directions Lending LLC -- Getting the loan -- 1 complaints | All Getting the loan Complaints
Disclaimer
This analysis is based on CFPB complaint data and AI interpretation.
About This Report
This consumer complaint report for Four Directions Lending LLC is generated by ReadTheComplaint using AI analysis of data from the CFPB.