Total CFPB complaints
240
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 240 complaints
Financial Management Solutions, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 17 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Financial Management Solutions, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
78 complaints
- False statements or representation
False statements or representation
35 complaints
- Written notification about debt 31
Written notification about debt
31 complaints
- Took or threatened to take negative or legal action 19
Took or threatened to take negative or legal action
19 complaints
- Cont'd attempts collect debt not owed 10
Cont'd attempts collect debt not owed
10 complaints
- Disclosure verification of debt 9
Disclosure verification of debt
9 complaints
D
Grade D · 55.8/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Financial Management Solutions, LLC?
Financial Management Solutions, LLC has accumulated 240 total CFPB complaints across 17 states, with 37 filed in the most recent 12 months against 203 historical complaints before that window. The trailing-12-month volume represents 15.4% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 98% timely-response rate against a 28% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 17 states, led by Maryland with 132 and Virginia with 34, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 55.8/100 places Financial Management Solutions, LLC in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
37
15.4% of total history
Stable →
States active
17
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
28%
After company response
Reputation grade
D
55.8/100 composite
Response-quality profile
How Financial Management Solutions, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 55.6%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 30.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Financial Management Solutions, LLC compare to its peers?
Financial Management S… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed78 (%)
False statements or representation35 (%)
Written notification about debt31 (%)
Took or threatened to take negative or legal action19 (%)
Cont'd attempts collect debt not owed10 (%)
Disclosure verification of debt9 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 39 |
| False statements or representation | Attempted to collect wrong amount | 35 |
| Written notification about debt | Didn't receive enough information to verify debt | 22 |
| Attempts to collect debt not owed | Debt was paid | 19 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 19 |
| Attempts to collect debt not owed | Debt was result of identity theft | 12 |
| Cont'd attempts collect debt not owed | Debt is not mine | 10 |
| Written notification about debt | Didn't receive notice of right to dispute | 9 |
| Disclosure verification of debt | Not given enough info to verify debt | 9 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 8 |
Where do complaints against Financial Management Solutions, LLC come from?
The states where consumers have filed the most CFPB complaints against Financial Management Solutions, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Financial Management Solutions, LLC
Across 17 states with at least one filing
- Maryland
Maryland
132 complaints
- Virginia 34
Virginia
34 complaints
- District of Columbia 23
District of Columbia
23 complaints
- Pennsylvania 11
Pennsylvania
11 complaints
- Georgia 9
Georgia
9 complaints
- Texas 6
Texas
6 complaints
- Florida 5
Florida
5 complaints
- New Jersey 4
New Jersey
4 complaints
Frequently Asked Questions
What is the most common complaint against Financial Management Solutions, LLC? ▼
The most common issue consumers report about Financial Management Solutions, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 240 complaints filed with the CFPB.
Are complaints against Financial Management Solutions, LLC increasing or decreasing? ▼
Complaints against Financial Management Solutions, LLC have been stable. The company received 37 complaints in the last 12 months.
What is Financial Management Solutions, LLC's reputation grade? ▼
Financial Management Solutions, LLC has a reputation grade of D (score: 55.8/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Financial Management Solutions, LLC respond to consumer complaints? ▼
Financial Management Solutions, LLC has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 28% of cases.
In how many states does Financial Management Solutions, LLC operate? ▼
Financial Management Solutions, LLC has received CFPB complaints from consumers in 17 states, with the most complaints from Maryland (132 complaints).
What can I do if Financial Management Solutions, LLC is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Financial Management Solutions, LLC violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |