CFPB Consumer Complaint Profile
FMS Inc.
Consumers have filed 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
By CFPB complaint volume, FMS Inc. is #1082 out of 3,843 financial companies. For answering complaints on time it stands at the 48th percentile in the 100+ complaint peer group.
- Debt collection
- most-complained product
- ID
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
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
Reading this profile
Source: CFPB Consumer Complaint Database
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. draws a multi-regional spread of CFPB complaints, filed by consumers in many parts of the country. 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, the timely-response measure shows how often forwarded complaints get a reply. This company's rate is at or above the industry benchmark, which suggests its intake and escalation processes are functioning as designed. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
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.
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.
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.