CFPB · Single-product concentration
FMS Inc.
159 CFPB complaints · 89.9% in "Debt collection" · top issue Cont'd attempts collect debt not owed.
FMS Inc.: 89.9% of 159 CFPB complaints sit in "Debt collection". Timely 98.1% · relief 0%. Allegations, not findings.
- Single-product concentration
- +50% filings 2013 to 2026
CFPB relief outcome brief
CCDB company fms-inc
0% relief · 98.1% timely · 159 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
FMS Inc. closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 159 complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
FMS Inc. complaint mix by product
- Debt collection 143 90.5% – 0% relief
- Credit reporting, 6 3.8% – 0% relief
- Credit card 4 2.5% – 0% relief
- Credit reporting 2 1.3% – 0% relief
- Consumer Loan 1 0.6% – 0% relief
- Credit reporting 1 0.6% – 0% relief
- Student loan 1 0.6% – 0% relief
How FMS Inc.'s 159 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 143 |
| Credit reporting, credit repair services, or other personal consumer reports | 6 |
| Credit card | 4 |
| Credit reporting or other personal consumer reports | 2 |
| Consumer Loan | 1 |
| Credit reporting | 1 |
| Student loan | 1 |
| Credit card or prepaid card | 1 |
Where FMS Inc. complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- ID
- 11.3% of this company's filings
FMS Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 6
- +50% vs 2013
Top States
| State | Complaints |
|---|---|
| ID | 18 |
| OK | 15 |
| FL | 14 |
| CA | 11 |
| WA | 9 |
| NC | 8 |
| NJ | 8 |
| MD | 7 |
| OH | 5 |
| NV | 5 |
| TX | 5 |
| AZ | 5 |
| MI | 4 |
| IL | 4 |
| NY | 3 |
| VA | 3 |
| LA | 3 |
| PA | 3 |
| GA | 3 |
| CO | 2 |
Top Issues
| Issue | Complaints |
|---|---|
| Cont'd attempts collect debt not owed | 39 |
| Attempts to collect debt not owed | 30 |
| Communication tactics | 26 |
| Written notification about debt | 16 |
| Disclosure verification of debt | 11 |
| False statements or representation | 10 |
| Incorrect information on your report | 6 |
| Took or threatened to take negative or legal action | 4 |
| Improper contact or sharing of info | 3 |
| Electronic communications | 2 |
| Threatened to contact someone or share information improperly | 2 |
| Improper use of your report | 1 |
| Payoff process | 1 |
| Problems when you are unable to pay | 1 |
| Delinquent account | 1 |
| Billing disputes | 1 |
| Billing statement | 1 |
| Incorrect information on credit report | 1 |
| Dealing with your lender or servicer | 1 |
| Problem when making payments | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 4 | 100% |
| 2014 | 22 | 100% |
| 2015 | 31 | 100% |
| 2016 | 17 | 100% |
| 2017 | 9 | 100% |
| 2018 | 11 | 100% |
| 2019 | 14 | 92.9% |
| 2020 | 18 | 94.4% |
| 2021 | 4 | 100% |
| 2022 | 5 | 80% |
| 2023 | 6 | 100% |
| 2024 | 4 | 100% |
| 2025 | 8 | 100% |
| 2026 | 6 | 100% |
Source: CFPB Consumer Complaint Database
FMS Inc. filings cluster in one product
FMS Inc.'s 159 logged complaints stay concentrated: only 35 states show a filing. Only 37.7% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2013 through 2026-06-25.
FMS Inc. answers 98.1% of complaints inside the CFPB's tracked window and closes 93.7% with a written explanation. 0% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Cont'd attempts collect debt not owed."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about FMS Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for FMS Inc.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 159.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 98.1%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for FMS Inc. (98.1% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration