What is the most common complaint against FMS Inc.?

The most common issue consumers report about FMS Inc. is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 141 complaints filed with the CFPB.

Are complaints against FMS Inc. increasing or decreasing?

Complaints against FMS Inc. are falling. The company received 7 complaints in the last 12 months, showing improvement over prior periods.

What is FMS Inc.'s reputation grade?

FMS Inc. has a reputation grade of C (score: 56.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does FMS Inc. respond to consumer complaints?

FMS Inc. has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 17% of cases.

In how many states does FMS Inc. operate?

FMS Inc. has received CFPB complaints from consumers in 34 states, with the most complaints from Oklahoma (15 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

FMS Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 34 states, reputation grade C.

Compiled by PlainCollector

Cont'd attempts collect debt not owed

39
Attempts to collect debt not owed

29
Communication tactics

26
Written notification about debt

16
Disclosure verification of debt

11
False statements or representation

10

Data updated September 2026

CFPB complaint disposition

CCDB record fms-inc FMS Inc.

Grade C · 141 CFPB filings · 98% timely · lead issue: Cont'd attempts collect debt not owed · vol #683 · compose #3023

VOL 141
GRADE C
12MO 7
STATES 34
TIMELY 98%
DISPUTE 17%
ISSUE Cont'd attempts collect de…
RANK #683
COMPOSE #3,023

Volume peers

Nearest volume peer: Access Receivables of NC Inc. (141 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

FMS Inc.'s 141 CFPB complaints sit next to Access Receivables of NC Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Distributed filing map

FMS Inc. spreads filings across 34 states - Oklahoma leads at only 10.6%

Despite a broad state map, FMS Inc. still sits volume #683 against composite #3,023 - the two RankMaps diverge by 2,340 places. Corpus placement method.

Most-even geography: Lead state under 15%; Oklahoma still leads at 10.6% across 34 states
Even monthly load: Peak under 8%; Highest month 2019-01 at 6.9% (2 filings)
Divergent corpus ranks: #683 volume; #3,023 composite; Cleanest-composite ladder is 2,340 places worse than volume

How does FMS Inc. compare to its peers?

How does FMS Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

FMS Inc. National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

98%

99%

91%

Consumer-dispute ratelower is better

17%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-11 2025-08

Issue Detail Breakdown

Issue	Complaints
Cont'd attempts collect debt not owed	39
Attempts to collect debt not owed	29
Communication tactics	26
Written notification about debt	16
Disclosure verification of debt	11
False statements or representation	10
Took or threatened to take negative or legal action	3
Improper contact or sharing of info	3
Threatened to contact someone or share information improperly	2
Electronic communications	2

Where do complaints against FMS Inc. come from?

FMS Inc.'s own per-state count, not a national baseline.

Oklahoma

15
Idaho

13
Florida

11
California

10
New Jersey

8
North Carolina

8
Washington

8
Maryland

6

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for FMS Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 141.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 97.84172661870504%.

4 peers

Know your rights before responding to FMS Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.