FMS Inc on Your Credit Report: What to Know

FMS Inc is a Tulsa, Oklahoma debt collection agency founded in 1993 with multiple offices across the country and a primary focus on healthcare receivables.

Documented consumer complaints describe the agency calling 2 to 3 times per day after written cease-and-desist letters were delivered, continuing contact on debts discharged in bankruptcy, and refusing to identify itself on calls before demanding personal information.

Five civil litigation cases appear in Justia’s records and the BBB has logged 32 complaints in its most recent three-year window.

Who Is FMS Inc?

FMS Inc is a third-party debt collection agency founded in 1993 and headquartered at 4915 S. Union Ave. in Tulsa, Oklahoma. The company operates multiple call centers with additional offices in Nampa, Idaho; Reynoldsburg, Ohio; Kansas City, Kansas; and Mission Viejo, California.

FMS is not BBB-accredited. The agency markets itself as a full-service accounts receivable management company operating across all 50 states.

Who Does FMS Inc Collect For?

FMS Inc focuses primarily on healthcare receivables alongside other consumer debt categories. Confirmed debt categories from complaint documentation and published sources include:

• Hospitals and healthcare providers: Medical debt from hospitals, physician practices, and other healthcare providers is FMS Inc’s primary documented collection category.
• Credit card issuers and banks: Consumer credit card and personal loan balances appear in FMS Inc’s published service descriptions.
• Student loan servicers: Student loan balances are a documented FMS collection category.
• Utility companies: Past-due utility accounts are confirmed in FMS’s accounts receivable management service descriptions.

Documented Complaint Patterns

Consumer complaint records surface specific recurring issues tied to FMS Inc’s collection conduct.

• Continuing calls after a written cease-and-desist letter: A documented 2018 BBB complaint describes a consumer who sent a cease-and-desist letter in December 2017. The agency continued calling 2 to 3 times per day. FMS’s own response acknowledged blocking the number only after the complaint was filed.
• Refusing to identify as a debt collector before demanding personal information: Multiple documented BBB complaints describe FMS representatives refusing to disclose who they are or why they are calling until the consumer provides personal identifying information. One complaint describes a consumer asking three times who was calling and being told only to “look up FMS.”
• Contacting a 93-year-old woman about a debt she did not owe: A documented consumer account describes FMS contacting an elderly consumer with no outstanding accounts and continuing to call after being told the debt did not belong to her.
• Attempting to collect on debts discharged in bankruptcy: Consumer complaints describe FMS pursuing collection on balances legally discharged through bankruptcy proceedings, which violates the federal bankruptcy discharge injunction in addition to the FDCPA.
• Calling multiple times daily: Consumer accounts describe FMS calling 2 to 3 times per day beyond the cease-and-desist violations noted above. Repeated calls intended to harass violate FDCPA Section 1692d.

What FMS Inc Cannot Do Under Federal Law

• Continue contact after a written cease-and-desist request: FDCPA Section 1692c(c) requires all collection contact to stop after FMS receives a written request. The documented 2018 BBB complaint shows FMS continued calling after receiving a written letter.
• Refuse to identify as a debt collector: FDCPA Section 1692e(11) requires FMS to identify itself as a debt collector on every communication. Asking consumers to “look up FMS” does not satisfy this requirement.
• Attempt to collect discharged bankruptcy debts: The federal bankruptcy discharge injunction makes it illegal to attempt collection on legally discharged debts, separate from FDCPA protections and enforced by the bankruptcy court.
• Make repeated harassing calls: Multiple calls per day intended to annoy or harass violate Section 1692d regardless of whether the underlying debt is valid.
• Continue collection after a written validation request: All collection activity must pause after FMS receives a certified validation letter until it produces required documentation.

Verify Before Paying FMS Inc

For medical accounts, send a certified validation letter demanding the original provider’s name and contact information, the original itemized bill with CPT codes, the insurance Explanation of Benefits, and proof that insurance was billed before the account was referred to FMS.

If the debt was discharged in bankruptcy, include a copy of your discharge order with your validation letter and demand immediate cessation of all collection activity and removal of any credit bureau entry for the discharged debt.

How to Check Your Credit Report

Pull all three reports at AnnualCreditReport.com and look for FMS Inc or FMS as the furnisher. Confirm the original creditor, service date, and balance.

Paid medical balances and medical balances under $500 should not appear under current credit bureau voluntary policies. Dispute any such entry directly with each bureau. Debts discharged in bankruptcy must also be noted as discharged, not reported as outstanding balances.

How Long Can FMS Legally Pursue the Debt?

Oklahoma allows five years on most open accounts and credit cards. The state where your original account was opened controls the statute. The credit reporting window is a separate seven-year clock from the original date of first delinquency.

Your Options for Resolving the Account

• Send a certified cease-and-desist and document delivery: Send your letter by certified mail with return receipt and document the delivery date. Any call after confirmed delivery is a separate FDCPA violation.
• Dispute bankruptcy-discharged debts immediately: If FMS is collecting on a discharged debt, document the discharge date and contact a consumer attorney about a contempt motion in the bankruptcy court in addition to filing a CFPB complaint.
• File a CFPB complaint for identity non-disclosure: If FMS called without identifying itself as a debt collector and demanded personal information first, file a CFPB complaint citing Section 1692e(11) and document the date, time, and content of every such call.
• Contact the original provider directly: For medical accounts, the original hospital or practice can confirm whether your insurance was properly processed and in some cases recall the account if a billing error occurred.

How to Contact FMS Inc

Handle all communication in writing. Send disputes by certified mail with return receipt requested:

• Tulsa address: FMS Inc, 4915 S Union Ave, Tulsa, OK 74107
• Nampa address: FMS Inc, 1551 11th Ave N, Suite 150, Nampa, ID 83687
• Phone: (918) 747-4884

Bottom Line

FMS Inc is a large multi-state collection agency with documented patterns of continuing to call after written cease-and-desist letters, refusing to identify itself before demanding consumer information, and attempting to collect on bankruptcy-discharged debts. The cease-and-desist issue is particularly significant because FMS’s own BBB response confirmed the calls continued after receiving the written request.

Send every cease-and-desist by certified mail with return receipt. Document every subsequent call. Each call after confirmed delivery of a written cease request is a separate FDCPA violation.

If an FMS account is on your credit file, the right move depends on whether the underlying debt is yours, whether insurance was properly processed for medical accounts, and whether the debt was discharged in bankruptcy.