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:04/17/2025

  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.

  I honestly dont get why FMS FINANCIAL SOLUTION is reporting this debt under my name because I dont owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didnt even bother to provide it. Its frustrating because this is hurting my credit for no reason, and its just not fair. How can they just put something on my report without any proof?Account No: ****** Amount Disputed: $2711

  Business Response

  Date: 04/22/2025

  Please be advised that this account is owed by ******** ****** - the consumer who filed this complaint.  It has been validated with the consumer as well as with the e-Oscar platform several times.   Please refer to the driver's license in the attached documentation received directly from the consumer along with a validation request.   It matches that sent with this dispute.  Also included in the validation request from the consumer  is a signed social security card. The signature on that social security card matches that on the lease and application signed by the consumer at move in.  Please find attached a copy of the rental application and signature pages of the lease for review. The office sent the attached validation documentation to the consumer on 7/21/2021 & again on 8/28/2024. Copy included herewith)   Please note that the consumer is still using the address to which prior validation was sent prior.   Given these findings, this office will be unable to comply with the consumer's request to delete this from the credit reporting agencies.   The consumer should contact, Max ****** in the *** legal department to discuss further.  Mr. ***** will receive a copy of this complaint and response.  He may also  be reached directly at ************.

• Initial Complaint

  Date:04/08/2025

  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.

  I was looking at my credit report and I noticed FMS Financial Solutions is reporting to my credit. I found out that FMS Financial Solutions is NOT BBB accredited, but is owned by Financial Management Solutions, LLC which IS BBB accredited. I dont have a contract with either one of them, and *** never received a debt validation letter from them. They are falsely reporting to my credit because Ive never heard of them or even knew they existed. They never sent me a contract to even sign and I do not owe a debt to 222 Saratoga.

  Business Response

  Date: 04/15/2025

  This office will require additional information to complete an investigation of this complaint as it is unable to locate any record of an account in the name provided. Please ask the consumer to provide the account number under which this is reporting the the consumer reporting agencies in addition to other names she has used within the past seven years.  

  Customer Answer

  Date: 04/20/2025

  HI, thank you greatly for getting to me. Here's the account number under which ********************** is reporting 50XXXX. Names I've used in the past "****** ******" "Nyakeh ******* ******" and my current name is Nyakeh ******* C. *****. Thank you in advance for settling this matter.  

  Business Response

  Date: 04/23/2025

  Please be advised that Financial Management Services (***) is a licensed third party debt collector acting on behalf of creditor; Saratoga Apartments.  The debt is owed to Saratoga Apartments and not to ***.  Please now  refer to the attached documentation in support of the debt.  The application originally submitted by the consumer listed his name as,  ******* Nyakeh ******.  As is customary, the lease was prepared using the first and last names as they appear on the application.  In this case ******* ******.   Also attached are the first and signature pages of the joint lease with  co -lease holder, ******* ******.  The consumer may have signed the signature page as either (first name)  ******* or Nyakeh - its not completely clear. However, as the consumer has indicated both as first names in various written documentation, its clear this is the correct consumer.   The ledger  (not included) indicates that at move out there was a balance due in the amount of $5,295.08.  There have been no payments on that balance -which remains due in its entirety.   The consumer should contact, Max ****** manager of the *** legal department to discuss further.  Mr. ***** may be reached  at ************************************ or directly at ************.   Given these finding, this office will be unable to comply with the consumer's request to delete with the credit reporting agencies.  

  Customer Answer

  Date: 04/30/2025

  [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: 23177509
  
  I am rejecting this response because: it fails to address the core issue: they are reporting false and inaccurate information on my credit ********* be clear: I have never entered into any agreement or contract with this company. I have never received any correspondenceno letters, no phone calls, no emailsfrom them. I have never contacted them or acknowledged any debt related to them.

  
  Despite this, they are reporting derogatory information to the credit bureaus, which is damaging my creditworthiness and reputation. This is a clear violation of both federal and Maryland state consumer protection laws.

  
  Legal References:
  1. Fair Credit Reporting Act (****), 15 U.S.C. 1681s-2
  Furnishers of information to credit bureaus are required to report only accurate and verifiable data. Reporting unverifiable debt or failing to correct false information violates the FCRA.

  
  2. Maryland Consumer Debt Collection Act (MCDCA), Md. Code ***., Com. Law 14-202(6)
  Debt collectors may not claim, attempt, or threaten to enforce a right they know does not exist. Reporting a debt without any proof of a relationship or obligation falls into this category.

  
  3. Maryland Consumer Protection Act (MCPA), Md. Code ***., Com. Law 13-301
  This statute prohibits false or misleading representations, and deceptive practicessuch as reporting false credit information.
  
  If Financial Management Solutions cannot provide documented proof of legal authority to collectthen they must immediately remove this information from all credit reporting agencies.

  
  If this matter is not resolved promptly and the inaccurate reporting remains, I am prepared to pursue legal action to protect my rights and seek any remedies available under the law.
  Sincerely, 
  
  Regards,
  
  Mr. *****
  
  
  
  
  
  
  
  

  
  

• Initial Complaint

  Date:03/14/2025

  Type:Service or Repair 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.

  I was living at the ************************ in ********* ********. I had issues having maintenance done on several separate occasions, The ceiling gave out and holes were now allowing water to leak into the drywall. There was a damaged door that was never repaired I even placed those orders after my initial inspection. It took three months to have the first hole repaired the front door was never repaired and being I paid my rent in advanced. I thought surely things would look up and they never did. The Second hole in the Master Bedroom would leak rainwater in the room when I called to request it to be repaired maintenance came and never fixed anything. After several months of dumping the bucket, they provided me and still no progression on repairs I chose to leave the apartment after my rent was put in escrow which they knew about. They never fixed the roof because six months after moving I went by and the same 2x4's and tarp were still over the area of the roof with the leak which I have photos of. The complex then sells my debt to a company I do not hold a contract with. I was never evicted and have every plan to prove that I do not owe this debt as they broke the leasing agreement by the apartment not being habitable and my safety concerns not taken seriously.

  Business Response

  Date: 03/17/2025

  Please be advised that Financial Management Solutions (FMS) is a licensed third party debt collector, acting on behalf of the creditor, ************* at ******************  The debt is owed to ************* and not to FMS.  Further be advised that the consumer  has never responded directly to the telephone and written attempts that this office has made to contact her.  There is also no record of her ever disputing this debt prior to this communication via the BBB.  The type of compliant contained herein should be directed to our collection manager, *** *****.   Mr. ***** may have options for resolution of the dispute and/or possible settlement.  Mr. ***** may be reached by email at *************************************************************.  or by telephone at:  ************.  

• Initial Complaint

  Date:06/14/2024

  Type:Order 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.

  I wish to claim that as we have never entered into a contract, I am not responsible for the debt associated with FMS FINANCIAL SOLUTION. I must stress that I have not voluntarily committed to any financial obligations with them. To further resolve this matter in a proper and open manner, I formally requested from ARDEN POINTE the production of the original contract pertaining to this specific debt. Unfortunately, even with this request, they have not responded to my question by sending the needed records. The situation has become more complicated due to ARDEN POINTE's lack of collaboration and transparency, therefore in order to properly settle this issue, I will need to look for further support and clarity.

  Business Response

  Date: 06/18/2024

  Please be advised that Financial Management Solutions (FMS)  is a licensed third party debt collector acting on behalf of Arden Pointe Apartments.  The debt is due to Arden Pointe and not to FMS.   There is no record that the consumer has ever disputed this account with FMS OR requested any documentation.   Further be advised that Arden Pointe is currently represented in this matter by the ********** of *****************************.  All further communication should be directed to that office.  It may be reached by telephone at:  ************ or by mail at P.O. ****************, *************; 20725.   Email - *****************************.     PLEASE NOTE:   Account number ****** should be included on all communications. 

• Initial Complaint

  Date:02/20/2024

  Type:Order 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.

  I am not liable for this debt with ***************. I do not have a contract with FMS Financial Solution, they did not provide me with the original contract as requested.

  Customer Answer

  Date: 02/24/2024

  I requested the original contract over the phone. I was then prompted to contact the company lawyer who when I called several times did not answer. The lawyer had a voice mail box that was full. I then called back several times and no one answered. I have no contract with FMS financial solutions.

  Business Response

  Date: 02/29/2024

  Please be advised that Financial Management Solutions (***) is a third party debt collector acting on behalf of ***************.  The debt is due to ***************; not to ***.  FMS did not purchase this debt.  Further be advised that this office previously sent the consumer a Validation of debt packet.  Pleas find a copy attached herewith.  *************** is currently represented in this matter by the law office of *******, ******** & ****. All further questions or concerns should be directed to that office at:  ************.   In the event that the consumer is unable to reach the law office, she may call ********* in this office at:  ************

  Customer Answer

  Date: 03/01/2024

  [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: 21322161
  
  I am rejecting this response because:
  
  That is not my address nor does it have an apartment number for that mail to reach me. Furthermore this collection was removed from other credit bureaus years ago. Experian is the only company reporting this collection. On top of that rental collections go into affect *************************************************************************************************** 2021 on the paper they sent notice was given 12/31/19 and wouldve gone into collection January of 2020. Which goes into the question of if this collection was sold.
  
  Regards,
  
  *************************
  
  
  
  
  
  
  
  
  

• Initial Complaint

  Date:12/31/2023

  Type:Order 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.

  I am not liable for this debt with ************ ****, I do not have a contract with Financial Management Solutions, LLC, they did not provide me with the original contract as requested.

  Customer Answer

  Date: 01/04/2024

  Please see attached letter that was sent via United States Postal Service on 11/24/2023 requesting original contract. 

  Business Response

  Date: 01/05/2024

  Please be advised that Financial Management Solutions, LLC  (FMS)  is a third party debt collector acting on behalf of the original creditor - ***** ****** LP dba ***** ****** Apartments.  The debt is due to ****** ****** - and not to FMS. As such, the contract (lease) is between the consumer and ***** ****** LP.   Please find a copy attached herewith.  Further be advised that FMS moved from **** ********* ****, Greenbelt, Maryland  20770 in July 2023.   All mail is now received at P.O.Box 319, Greenbelt, Maryland  20768.   The letter contained with this dispute is addressed to the former address.  It was not forwarded to the PO Box, and it was never received by FMS.  Please note that FMS does have a forwarding order on file, and has received forwarded mail.  Further be advised that ***** ****** LP is currently represented in this matter by the Law Office of ****** ********.   All further  questions and communication should be directed to that office.  They may be reached by email at:  ******@************.com   or by telephone at:  ###-###-####.   

• 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,
  
  *************************