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

CFPB complaint data Grade C 141 complaints

FMS Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 34 states, reputation grade C.

Complaints by issue type

What consumers report about FMS Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 60.0/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: FMS Inc. ranks ahead of 43% of the 5,283 collectors PlainCollector grades - 57% keep a cleaner CFPB record, on 141 all-time complaints and a 98% timely-response rate.

43rd pct
reputation rank of 5,283 graded collectors
141
CFPB complaints, all-time
98%
answered inside the CFPB window
7
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about FMS Inc.?

FMS Inc. has accumulated 141 total CFPB complaints across 34 states, with 7 filed in the most recent 12 months against 134 historical complaints before that window. The trailing-12-month volume represents 5.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine". The company posts a 98% timely-response rate against a 17% consumer-dispute-after-response rate.

Complaints have been recorded across 34 states, led by Oklahoma with 15 and Idaho with 13. Normalized against the full CFPB collector database, the reputation score of 60.0/100 places FMS Inc. in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

141

mid-volume (CCDB)

Last 12 months

7

5.0% of all-time complaints

Falling ↓

States active

34

multi-region footprint

Timely response rate

98%

excellent band

Consumer disputes

17%

average (vertical avg ~19%)

Reputation grade

C

60.0/100 composite

How does FMS Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

60 43rd percentile higher than 43% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

FMS Inc. versus the debt-collection vertical average.

Timely response within SLA 97.8%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 16.7%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 60.7%

Share of US states + territories with at least one filed complaint against this collector.

How does FMS Inc. compare to its peers?

How does FMS Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
FMS Inc. National average
Complaints (last 12 mo)lower is better
7
27
268
Timely-response ratehigher is better
98%
99%
91%
Consumer-dispute ratelower is better
17%
17%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-11 2025-08

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against FMS Inc.

Across 34 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if FMS Inc. contacts you

A grade of C signals how FMS Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really FMS Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how FMS Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 60.0/100), 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).

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

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.