CFPB Consumer Complaint Profile

FMA Alliance, Ltd.

What 309 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.

Data updated 2026-05-15

309
Total complaints
67
Last 12 months
99.7%
Timely response
40
States affected

The verdict

309 CFPB complaints put FMA Alliance, Ltd. at #685 out of 3,848 financial companies ranked by complaint volume. 99.7% of its complaints get an on-time reply, beating the 93% median for the 100+ complaint peer group.

#685
of 3,848 companies by volume
99.7%
answered on time
Debt collection
most-complained product
40
states with complaints
FMA Alliance, Ltd. timely response rate 99.7%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Debt collection - I do not know 100
Debt collection - Credit card debt 46
Debt collection - Medical debt 42
Debt collection - Other debt 34
Credit reporting or other personal consumer reports - Credit reporting 15
Debt collection - Auto debt 14
Debt collection - Other (i.e. phone, health club, etc.) 11
Debt collection - Credit card 11
Debt collection - Payday loan debt 7
Debt collection - Medical 7

Top Issues

1.Attempts to collect debt not owed 91
2.Communication tactics 45
3.Written notification about debt 43
4.False statements or representation 26
5.Cont'd attempts collect debt not owed 26
6.Threatened to contact someone or share information improperly 17
7.Incorrect information on your report 11
8.Took or threatened to take negative or legal action 10
9.Electronic communications 9
10.Improper contact or sharing of info 8

Complaints by Year

Year Complaints
2013 3
2014 18
2015 14
2016 10
2017 24
2018 13
2019 13
2020 18
2021 11
2022 24
2023 26
2024 52
2025 70
2026 13

Complaints by State (Top 15)

Texas 76
California 31
Florida 23
Georgia 20
Pennsylvania 11
Mississippi 10
Illinois 10
Colorado 9
Louisiana 9
New Jersey 9
New York 8
Tennessee 8
North Carolina 7
Alabama 7
Virginia 6

Company Responses

Closed with explanation 261
Closed with non-monetary relief 44
Closed 4

What the CFPB Complaint Record Shows for FMA Alliance, Ltd.

FMA Alliance, Ltd. carries 309 complaints in the CFPB's database, 67 of them filed within the past 12 months. Consumers spanning 40 states and territories have weighed in, giving this a nationwide footprint. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.

99.7% of CFPB-forwarded complaints against FMA Alliance, Ltd. get a reply inside the Bureau's 15-day window. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Consumers formally disputed the company's response in 12.7% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. 14.2% of resolved complaints ended with some monetary or non-monetary relief for the consumer.

How to read complaint counts

Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.

Frequently Asked Questions

How many CFPB complaints does FMA Alliance, Ltd. have?

FMA Alliance, Ltd. has 309 total consumer complaints filed with the CFPB, with 67 filed in the last 12 months.

Does FMA Alliance, Ltd. respond to complaints on time?

FMA Alliance, Ltd.'s CFPB timely-response rate is 99.7%. This is considered excellent.

What product generates the most complaints for FMA Alliance, Ltd.?

The most complained-about product for FMA Alliance, Ltd. is "Debt collection." You can view the full product breakdown on this page.

What is the most common complaint issue with FMA Alliance, Ltd.?

The most common issue reported by consumers about FMA Alliance, Ltd. is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.

How do I file a complaint against FMA Alliance, Ltd.?

You can file a complaint against FMA Alliance, Ltd. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.

In how many states have consumers complained about FMA Alliance, Ltd.?

FMA Alliance, Ltd. has drawn CFPB complaints from 40 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

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