What do CFPB complaints reveal about FMS Inc.?

FMS Inc. has accumulated 139 total CFPB complaints across 34 states, with 5 filed in the most recent 12 months against 134 historical complaints before that window. The trailing-12-month volume represents 3.6% 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 "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", 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 17% 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 34 states, led by Oklahoma with 15 and Idaho with 12, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 60.0/100 places FMS Inc. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.