Complaints

This profile includes complaints for Financial Management Solutions, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Financial Management Solutions, LLC

  9001 Edmonston Rd Ste 20 Greenbelt, MD 20770-4074

• 

  Financial Management Solutions, LLC

  4800 Montgomery Ln Fl 10 Bethesda, MD 20814-3472

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:06/05/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Financial Management Solutions, LLC **** ********* ** Ste ** Greenbelt, MD ********** Account #: ****** I have never had Financial Management Solutions, LLC as a creditor. Per my research Financial Management Solutions, LLC is a debt collector falsely attempting to collect a debt that isn't there's. I have requested that Financial Management Solutions, LLC provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature with Financial Management Solutions, LLC. In addition please provide the contract signed between Financial Management Solutions, LLC & THE ******* ** ***, notarized and sworn under penalty and perjury for Financial Management Solutions, LLC ability to collect this alleged debt. I request this under 15 U.S. Code § 1692g - Validation of debts. If information is not provided or the false reporting isn’t removed; as in ****** ** ***** ***** ****., No. 95-6445 (C.D.Cal. Nov. 14,1995), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I further remind you that, as in ***** ** ******** *********** *********, 993 F. Supp. 2d 1154 - Dist. Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (“FCRA”) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. Please send all validating records through the BBB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address.

  Business Response

  Date: 06/20/2023

  Please be advised that this office has received, and already responded to a like complaint sent via the Consumer Financial Protection Bureau.  The response to that complaint, along with the supporting validation documentation is included herewith in the two attached files.  These documents will serve as answer to this response as well.  

  Customer Answer

  Date: 06/22/2023

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
  
   Complaint: ********
  
  I am rejecting this response because: I contacted the apartments and they said they dont have any of this information on file. 
  
  Regards,
  
  ***********************
  

• Initial Complaint

  Date:03/05/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  March 5, 2023 ****************** ********************************* Laurel, MD ********** Name of Creditor collection agency: FMS Financial Solution *****************************************Greenbelt, MD ******** RE: Acct # ****** To Whom It MAY Concern: On January 10th 2023, I wrote to you requesting validation and an investigation into items that I believed were inaccurate. To date, I have not received any such validation. In my previous request directly to you, I listed my reasons for disputing the information and requested validation. Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. Please note that on 3/20/2019 the CFPB released its Fair Debt Collection Practices Act Annual Report and it stated the following: "The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her *1692g rights. Specifically the Bureau calls out the practice where “debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers. Section 809(b) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT (meaning the collection agency) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities. Instead, one or more debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt collectors then continued collection activities on accounts in violation of section 809(b) of the FDCPA.” Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Sincerely,******************

  Business Response

  Date: 03/21/2023

  I have tried five times to respond to this dispute by sending a copy of the response sent to the BBB in July, 2022 - regarding the same consumer.  This office has received and responded to complaints from the consumer herself, the CFPB, and *******.   I am unable to attach the prior response as I keep receiving an error message regarding the size of the file.  As such, I would request that you refer to your prior records.   This account is now represented by the Law Office of ******* ** ********. All further communication should be directed to that office at, ************, or  by email to  ****************.   

• Initial Complaint

  Date:09/09/2022

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company has been calling me today, September 9, 2022, every 30 minutes since 8am. So far they have called 3 times and it's only 10am. This is harassment. I am disabled, and have a hard time getting to the phone. Even though I have them blocked, they still continue to call me.

  Business Response

  Date: 09/13/2022

  The consumer has filed this complaint against the wrong company.  This office is located on Greenbelt, Maryland and does not collect in Missouri.  Nor does it currently have any outstanding account under the name **************************  There is a company located in Tulsa, Oklahoma called ********. with whom we are often confused.  That company may be reached at  ************.  

  Customer Answer

  Date: 09/14/2022

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  Regards,
  
  *************************
  

• Initial Complaint

  Date:08/05/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  FMS called us out of the blue saying we owed Over $700 for rent that was unpaid on a property we vacated in Spring of 2020. We were asked to pay by credit card over the phone without receiving any paperwork about the alleged debt "in order to avoid legal penalties." We were told that the charge would not be ran until we "printed, signed, and returned an authorization form." No form was ever sent or signed and our bank was charged without authorization or proof of debt being provided. We've made repeated attempts to call FMS and receive all paperwork related to the alleged debt including a confirmation of payment and satisfaction of the debt. FMS will not return voicemails and has not followed up with us. FMS Account number: ******

  Business Response

  Date: 08/17/2022

  Pursuant to this dispute, this office conducted an investigation of the file.  This office is a licensed third party debt collector representing ******** ****** - **** *** ********* ***.  This office received the account from ******** ******, in July, 2020, but was unable to contact the consumers until April, 2022 due to restrictions in the District of Columbia Emergency COVID orders.  As shown in the attached documents, the balance due is for the period May 1, 2020 - May 13th, 2020.   The lease requires that a thirty(30) day notice of intention to vacate be provided. The notice was provided to the rental office on April 13, 2020, and as such, the notice period extends through May 13th, 2020.  Further be advised that the consumer provided Credit/Debit Card information to a collection staff member in a conversation on June 28th, 2022.  It is not required that an authorization be signed in order to process a payment.  However, it is standard policy to request that the original receipt and/or a credit/debit authorization form be signed in the event that the consumer requests a letter of payment.  The consumer should reach out directly to the collection manager, Jim L****, at ###-###-#### or by email to ********@fmsfinancialsolutions.com in order to obtain a written notification of payment in full.  

• Initial Complaint

  Date:07/24/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ********* **** ******** , **********, ******* ***********************Unit *** Laurel, MD*********** 07/25/2022 Investigation Request Letter Date of Birth: Oct, 20 **** SS#: XXX-XX-**** To Whom It May Concern: I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i(a)? I heard that if you can’t provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. Type of Account: Bankruptcy: Case Number: ********* Action Requested: Please provide proof that its reporting correctly from the Court House and not a third party and delete if anything is incorrect. Collection Account: ******** ********* *** Account Number: *********** Please investigate if every piece of information is correct. If not, please remove it from my credit report. Collection Account: ******** *********** * Account Number: ************ Please investigate if every piece of information is correct. If not, please remove it from my credit report. Collection Account: Convergent Outsourcing Account Number: ********** Please investigate if every piece of information is correct. If not, please remove it from my credit report. Co

  Business Response

  Date: 07/26/2022

  Please be advised that this office has documentation in support of the debt, as well identifying the consumer as the party who incurred the debt.  Please see the attached copy of the first and signatures pages of the lease, the ledger page shoeing the total owed at the time of eviction, a copy of the eviction court document, and a break down of the charges.    In addition, please find, a copy of a payroll remittance statement from DC Public schools, as well as a copy of the Maryland driver's license provided as identification at the time of rental.     This office also has in its possession, but did not include,  a copy of the bank statement provided by the consumer.    The original creditor, ******** **** at Greenbelt *******, is currently represented in this matter by the Law Office of ******* ** ********.  All further questions, including the current balance due,  should be directed to that office at the following:       ************,  ******@*****.net, or by US mail -  ** ********** ******, #***, Rockville, Maryland  *****.

• Initial Complaint

  Date:06/22/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 06/22/22 I went to look at my credit report and found a collection account tied to an address I have never lived at. A hard inquiry was also done on my credit report by the same company. I have never received any communication from this company and they have gone ahead and put this on my credit report I need this removed immediately as this has been reported in error and I do not wish to go back and forth with this company.

  Business Response

  Date: 06/28/2022

  This office has been in contact with the consumer, and is correctly working with him to resolve this matter.