Consumer complaint received 2020-02-14
Company: Financial Management Solutions, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I and another lady who is like my aunt lived in XXXX XXXX XXXX, and we signed a less for six months on XX/XX/XXXX. However, my aunt had to leave because she had an operation, so I continued to manage and pay the bills by myself. I did complain to XXXX County in XX/XX/XXXX about XXXX XXXX XXXX who was managed XXXX XXXX at that time. The complaint was about the extra charge they tried to charge me XXXX $ because I did allow them to put chemical material in the kitchen because the whole resident complex was full of insects and bed bugs. Also, the other main complaint was about the extra charge they tried to add to the gas bill. At that time, they start to build a new gas counter in the building. So, I did inform them that I do not want to stay anymore, but they wanted me to get the other lady to sign the notice too while she left last XX/XX/XXXX. So, I got her signature when she came back because she was trailing and I gave the notice to evacuate at the end of XX/XX/XXXX while the less was finish too. On XX/XX/XXXX, the less was finish, and I did not renew it. However, I was paying the bills until XX/XX/XXXX. Please lock at the attachment, which shows the account balance was XXXX at the end of XX/XX/XXXX. I had a security deposit for XXXX , and I told them that I will be traveling for a few months, and I did not give them an address to send the security deposit. At the same time, we had strong gas leakage from pipe break while they are still digging and building a new gas counter next to the room window. It was very dangerous, and they evacuated the people from the building. I did leave the building while the gas smell was strong, which lasted for days. Therefore, I traveled on XX/XX/XXXX because I can not risk staying there while they are still digging and building a new gas counter. I did give them the keys on XX/XX/XXXX in the morning and left. After I came back from my trip, a collection agency name FMS financial solution called me on XX/XX/XXXX, and they told me if I do not pay XXXX plus their benefit of XXXX or XXXX $ they will affect and hit my credit. However, I did tell them I do not have debt, and I did request from them to send the charges, but they did not send it. So, I did pay it by the phone the same day which was my mistake, and they just send me the payment confirmation without the XXXX or XXXX $ that was also paid. I did tell them I will pay for now, so they will not hit my credit, but I will sue them because I dont owe them because around XXXX $ will be remain of the security deposit. I did not have the time to sue them, and I left it as long as it did not affect my credit as they told me if I pay them the amount they will not hurt my credit. Last XX/XX/XXXX, I was checking my credit report, which did show that they reported to XXXX  on XX/XX/XXXX, and they close it in XX/XX/XXXX. From that time until now it is on my credit report while I did not know about it. I did complain to the XXXX after I called FMS who told me in XX/XX/XXXX they will hurt my credit in XX/XX/XXXX if I pay what they want. I did tell them I will complain, and they send me the charges this year after I called them many times about it. Please see their charges, which is not accurate. All the charge is not right, and the rent will be counted from XX/XX/XXXX to XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation