Total CFPB complaints
278
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 278 complaints
FMA Alliance, Ltd. — Debt Collector Complaint Profile
CFPB complaint profile across 40 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about FMA Alliance, Ltd.
- Attempts to collect debt not owed
Attempts to collect debt not owed
86 complaints
- Written notification about debt
Written notification about debt
42 complaints
- Communication tactics
Communication tactics
40 complaints
- False statements or representation 23
False statements or representation
23 complaints
- Cont'd attempts collect debt not owed 18
Cont'd attempts collect debt not owed
18 complaints
- Threatened to contact someone or share information improperly 10
Threatened to contact someone or share information improperly
10 complaints
C
Grade C · 59.5/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about FMA Alliance, Ltd.?
FMA Alliance, Ltd. has accumulated 278 total CFPB complaints across 40 states, with 60 filed in the most recent 12 months against 218 historical complaints before that window. The trailing-12-month volume represents 21.6% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
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 100% timely-response rate against a 13% 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 40 states, led by Texas with 73 and California with 27, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.5/100 places FMA Alliance, Ltd. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
60
21.6% of total history
Rising ↑
States active
40
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
13%
After company response
Reputation grade
C
59.5/100 composite
Response-quality profile
How FMA Alliance, Ltd. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 26.9%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 71.4%
Share of US states + territories with at least one filed complaint against this collector.
How does FMA Alliance, Ltd. compare to its peers?
FMA Alliance, Ltd. 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)
2024-02 2026-02
Top Consumer Issues
Attempts to collect debt not owed86 (%)
Written notification about debt42 (%)
Communication tactics40 (%)
False statements or representation23 (%)
Cont'd attempts collect debt not owed18 (%)
Threatened to contact someone or share information improperly10 (%)
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 | 50 |
| Written notification about debt | Didn't receive enough information to verify debt | 34 |
| Communication tactics | Frequent or repeated calls | 29 |
| False statements or representation | Attempted to collect wrong amount | 23 |
| Attempts to collect debt not owed | Debt was paid | 23 |
| Cont'd attempts collect debt not owed | Debt is not mine | 18 |
| Attempts to collect debt not owed | Debt was result of identity theft | 13 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 11 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 10 |
| Written notification about debt | Didn't receive notice of right to dispute | 8 |
Where do complaints against FMA Alliance, Ltd. come from?
The states where consumers have filed the most CFPB complaints against FMA Alliance, Ltd.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against FMA Alliance, Ltd.
Across 40 states with at least one filing
- Texas
Texas
73 complaints
- California 27
California
27 complaints
- Florida 23
Florida
23 complaints
- Georgia 16
Georgia
16 complaints
- Pennsylvania 10
Pennsylvania
10 complaints
- Illinois 9
Illinois
9 complaints
- Louisiana 9
Louisiana
9 complaints
- Mississippi 8
Mississippi
8 complaints
Frequently Asked Questions
What is the most common complaint against FMA Alliance, Ltd.? ▼
The most common issue consumers report about FMA Alliance, Ltd. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 278 complaints filed with the CFPB.
Are complaints against FMA Alliance, Ltd. increasing or decreasing? ▼
Complaints against FMA Alliance, Ltd. are rising. The company received 60 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is FMA Alliance, Ltd.'s reputation grade? ▼
FMA Alliance, Ltd. has a reputation grade of C (score: 59.5/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does FMA Alliance, Ltd. respond to consumer complaints? ▼
FMA Alliance, Ltd. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 13% of cases.
In how many states does FMA Alliance, Ltd. operate? ▼
FMA Alliance, Ltd. has received CFPB complaints from consumers in 40 states, with the most complaints from Texas (73 complaints).
What can I do if FMA Alliance, Ltd. 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 FMA Alliance, Ltd. 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 |