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 2026-05-15

155
Total complaints
6
Last 12 months
98.1%
Timely response
35
States affected

The verdict

155 CFPB complaints put FMS Inc. at #1084 out of 3,848 financial companies ranked by complaint volume. 98.1% of its complaints get an on-time reply, beating the 93% median for the 100+ complaint peer group.

#1084
of 3,848 companies by volume
98.1%
answered on time
Debt collection
most-complained product
35
states with complaints
FMS Inc. timely response rate 98.1%
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 33
Debt collection - Medical debt 28
Debt collection - Credit card 23
Debt collection - Other (i.e. phone, health club, etc.) 14
Debt collection - Other debt 13
Debt collection - Medical 12
Debt collection - Credit card debt 10
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 6
Credit card 4
Credit reporting or other personal consumer reports - Credit reporting 2

Top Issues

1.Cont'd attempts collect debt not owed 39
2.Attempts to collect debt not owed 28
3.Communication tactics 26
4.Written notification about debt 16
5.Disclosure verification of debt 11
6.False statements or representation 10
7.Incorrect information on your report 6
8.Improper contact or sharing of info 3
9.Took or threatened to take negative or legal action 3
10.Threatened to contact someone or share information improperly 2

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
2026 2

Complaints by State (Top 15)

Idaho 16
Oklahoma 15
Florida 13
California 11
Washington 9
North Carolina 8
New Jersey 8
Maryland 5
Nevada 5
Texas 5
Ohio 5
Arizona 5
Illinois 4
Michigan 4
Louisiana 3

Company Responses

Closed with explanation 147
Closed 8

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. answers 98.1% of 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 in 16.7% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 0% closed with the consumer receiving monetary or non-monetary relief.

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 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?

98.1% of the CFPB complaints against FMS Inc. get a response within 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.

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.