|
3504906
|
2020-01-22
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
FMS Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Medical debt
|
| Date Received |
2020-01-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-01-22
|
| Complaint What Happened |
As a result of a CFPB complaint filed on XX/XX/2019, regarding incorrect information being reported on my credit report, FMS Inc. advised that they were in possession of eight outstanding accounts with an original creditor ( XXXX XXXX ). It should be noted that this alleged debt started showing up on all three of my credit reports without any prior notification from FMS Inc. showing sufficient verification/evidence ( specific doctor appointments, ER visits, XXXX reports, etc. ) of the alleged debt. I have reached out to FMS Inc. on numerous occasions and they have failed to respond.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2770252
|
2018-01-03
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
FMS Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other debt
|
| Date Received |
2018-01-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-01-08
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
On XXXX XXXX, 2016, we XXXX my mother at XXXX XXXX XXXX/XXXX XXXX XXXX in XXXX XXXX, VA. I paid the bill in full. Then 15 months later, I began receiving telephone calls and bills from FMS, Inc. of XXXX, OK. They claimed that I owe XXXX XXXX XXXX {$3400.00}. I have spoken to the XXXX billing office on four occasions ; each time I was assured that my bill is paid in full and that they have no knowledge either of FMS or of how that company would have information about my business transactions with XXXX XXXX XXXX. I also have spoken with representatives of FMS on two occasions to tell them that their claim is erroneous. I received the most recent bill about 10 days after speaking with them.
|
| Consumer Consent Provided |
Consent provided
|
|
|
748899
|
2014-03-07
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
FMS Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
I do not know
|
| Date Received |
2014-03-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-04-23
|
| Consumer Consent Provided |
N/A
|
|
|
3296931
|
2019-07-05
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
FMS Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2019-07-05
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-07-05
|
| Consumer Consent Provided |
N/A
|
|
|
3504838
|
2020-01-22
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
FMS Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-01-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-01-22
|
| Complaint What Happened |
FMS IncXXXX is reporting incorrect information on credit report in that they are reporting accounts that are being paid through an official agreement ( payment plan ) with XXXX XXXX XXXX Hospital, accounts that are not being handled/overseen by FMS but directly with XXXX XXXX XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8041417
|
2023-12-21
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
FMS Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Medical debt
|
| Date Received |
2023-12-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-03
|
| Complaint What Happened |
I have been reporting that somebody called XXXX XXXX is using my name and getting into debt using my credit. Now I got a call from FMS Financial Solutions asking for a payment on a debt that this thief ( XXXX XXXX ) got in XXXX XXXX XXXX XXXX in XXXX, XXXX Like I mentioned in my previous reports, I live in Florida and I have never been in Oklahoma in my life. I need this removed from my report, and to have FMS and the XXXX remove me from that debt that doesn't belong to me.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1267318
|
2015-03-04
|
Improper contact or sharing of info
|
Debt collection
|
|
| Issue |
Improper contact or sharing of info
|
| Timely |
Yes
|
| Company |
FMS Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Contacted employer after asked not to
|
| Sub Product |
Non-federal student loan
|
| Date Received |
2015-03-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-03-04
|
| Consumer Consent Provided |
N/A
|
|
|
2228193
|
2016-11-29
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
FMS Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Credit card
|
| Date Received |
2016-11-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-11-29
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2747774
|
2017-12-07
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
Yes
|
| Company |
FMS Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Talked to a third-party about your debt
|
| Sub Product |
Other debt
|
| Date Received |
2017-12-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-12-15
|
| Company Public Response |
Company can't verify or dispute the facts in the complaint
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3364152
|
2019-09-05
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
FMS Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Medical debt
|
| Date Received |
2019-09-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-09-05
|
| Complaint What Happened |
On XX/XX/2019, sent a certified letter to FMS indicating that the original creditor had agreed to a settlement payment. FMS has not responded ( two months ) and continues to report debt owed on credit report.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2960804
|
2018-07-12
|
False statements or representation
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
FMS Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Credit card debt
|
| Date Received |
2018-07-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-07-16
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
XXXX XXXX credit card Summary : The credit card company and its collection agency refuse to provide verification of the debt they claim I owe but continue to insist I make payments. In response to my inquiry, they sent incomplete information that does not show all payments made and the total due on the document they sent does not correspond to the amount they claim I owe. I have sent numerous letters and had numerous phone conversations and they still refuse to provide debt verification documents.
Details : Due to unforeseen expenses, I fell behind in credit card payments, including XXXX XXXX. XXXX/XXXX sent my account to XXXX XXXX XXXX for collection. See attached XXXX form dated XX/XX/XXXX ( Atch 1 ).
I made payments to XXXX for a year, then received correspondence from FMS Inc., dated XX/XX/XXXX ( Atch 2 ) that my account had been placed with FMS for collection. I did not receive any notice from XXXX, XXXX, or XXXX XXXX that my account had been sent to another agency. The FMS form included a balance due that appeared extremely high and I called FMS on XX/XX/XXXX to discuss this amount. FMS rep. XXXX XXXX told me the record showed my last payment was XX/XX/XXXX ( acknowledgment of payment made to XXXX - Atch 3 ). I said I made a payment in XXXX ( Atch 4 ). I called back on XX/XX/XXXX and spoke to XXXX XXXX ( XXXX ). She also said no payments had been received. On another occasion, I talked to FMS rep XXXX XXXX who said they would get a record of payments from their client and send to me. XXXX said I should wait until he gets the information before making more payments, and that he would call me. I also talked to FMS XXXX XXXX on XX/XX/XXXX who told me the client had not yet sent the records ( contemporaneous notes Atch 5/1-2 ). On XX/XX/XXXX I went ahead and made a payment ( Atch 5/3 ).
When I received the information that was supposed to verify the balance due, the package was nothing more than copies of old XXXX bills. The last XXXX bill showed a XXXX balance and payment due the previous year ( XX/XX/XXXX ) of {$950.00}, considerably less than the balance claimed by FMS ( Atch 6 ). No records of my payments in the interim, including payments to XXXX XXXX XXXX were provided. I contacted FMS and was told this was all the information they had. I asked about my payments to XXXX but they said they could send me only the documents that XXXX provided. They ignored my claim that I had paid XXXX for a year then started sending notices to make a payment.
On XX/XX/XXXX, I wrote to FMS with copy to XXXX and XXXXXXXX XXXX - sent by certified mail - reiterating the sequence of events, that verification sent was of incomplete, and requested each to provide the documents I had requested ASAP ( Atch 7 ).
I did not receive a response from XXXX. FMS sent a form dated XX/XX/XXXX, stating that my XXXX credit card account had been closed and returned to XXXXXXXX XXXX ( Atch 8 ).
I received a letter from XXXXXXXX XXXX dated XX/XX/XXXX, stating, " We are currently reviewing our records in order to provide you with a meaningful response. As soon as we complete our research, we will send you a letter than will explain the results of our review. '' ( Atch 9 ) I heard nothing more from XXXX for weeks so I wrote again XX/XX/XXXX, noting that I had not received a response, and providing copies of previous correspondence ( Atch 10 ).
Then FMS started calling me again, after saying they had closed my account. I again wrote to XXXXXXXX XXXX, letter dated XX/XX/XXXX ( Atch 11 ) but have not heard from them. FMS continues to call me, usually with automated phone messages to call them. When I talked with an FMS representatives on XX/XX/XXXX, he continued to insist they had sent all the information they had. He repeatedly persisted with this argument to the point of harassment.
Companies involved : FMS INC .
XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
3365436
|
2019-09-06
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
FMS Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
I do not know
|
| Date Received |
2019-09-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-09-06
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11987329
|
2025-02-07
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
FMS Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Report provided to employer without your written authorization
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-02-07
|
| Submitted Via |
Web
|
| Company Response |
In progress
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-02-07
|
|
