CFPB Consumer Complaint Profile
FMS Inc.
Consumers have filed 155 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 155
- Total complaints
- Mid-range
- 6
- Last 12 months
- 98.1%
- Timely response
- Below median
- 35
- States affected
The verdict
155 CFPB complaints put FMS Inc. at #1082 out of 3,843 financial companies ranked by complaint volume. On-time replies land at 98.1%, the 48th percentile for the 100+ complaint peer group.
- #1082
- of 3,843 companies by volume
- 98.1%
- on time (48th pctile)
- Debt collection
- most-complained product
- 35
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
FMS Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
98.1% Around the middle higher than 48% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 4 |
| 2014 | 22 |
| 2015 | 31 |
| 2016 | 17 |
| 2017 | 9 |
| 2018 | 11 |
| 2019 | 14 |
| 2020 | 18 |
| 2021 | 4 |
| 2022 | 5 |
| 2023 | 6 |
| 2024 | 4 |
| 2025 | 8 |
| 2026year in progress | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for FMS Inc.
FMS Inc. carries 155 complaints in the CFPB's database, 6 of them filed within the past 12 months. Consumers spanning 35 states and territories have weighed in, giving this a multi-regional 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 "Cont'd attempts collect debt not owed," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, FMS Inc. posts a 98.1% reply rate on forwarded complaints. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Consumers formally disputed the company's response at a 16.7% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, the consumer-relief closure rate is 0%.
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, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
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 FMS Inc. have?
The CFPB has logged 155 complaints against FMS Inc. to date, of which 6 came in over the last 12 months.
Does FMS Inc. respond to complaints on time?
CFPB complaints against FMS Inc. draw a 98.1% timely-response rate inside the expected window. This is considered excellent.
What product generates the most complaints for FMS Inc.?
"Debt collection" draws more CFPB complaints against FMS Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with FMS Inc.?
Consumers most often cite "Cont'd attempts collect debt not owed" when complaining about FMS Inc.; the full issue list with counts is above.
How do I file a complaint against FMS Inc.?
You can file a complaint against FMS Inc. 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 FMS Inc.?
The CFPB has recorded complaints against FMS Inc. from 35 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for FMS Inc.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (16.7% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.