|
3173054
|
2019-03-07
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
FINANCIAL ASSET MANAGEMENT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
You told them to stop contacting you, but they keep trying
|
| Sub Product |
I do not know
|
| Date Received |
2019-03-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-03-07
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Called my brother on XX/XX/XXXX. They keep contacting my family members about a debt that has been paid off more than 8 years ago.
My sister was contacted in XXXX and I clearly told them to stop contacting my family members about a supposed debt totaling {$14000.00}.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2139181
|
2016-09-29
|
Dealing with my lender or servicer
|
Student loan
|
|
| Issue |
Dealing with my lender or servicer
|
| Timely |
Yes
|
| Company |
FINANCIAL ASSET MANAGEMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Having problems with customer service
|
| Sub Product |
Non-federal student loan
|
| Date Received |
2016-09-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-10-03
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
FAMS called friends and family members that I had not disclosed their personal numbers to inform them of my debt. What is eerie is how they acquired this information because XXXX family member they called, in particular, was my grandmother whom lives in a geriatric community. They called her house phone ( land-line ) when she does not even live in the states. She had no idea of my student loan because I did not want her involvement, and she has a XXXX XXXX. She called me crying and nervous because FAMS had called her saying I was in trouble and she needed to confirm my address and cell number. She asked what they wanted with me, and they told her that I was in trouble and she needed to help them help me. My grandmother was called three hours after my uncle, whom also was not informed of my debt, and was phoned on his private cell. XXXX do not live in the states, of which FAMS knew, because they sent operators to speak in XXXX. In addition, my uncle, whom does speak English, had confirmed to them my information, to which they disclosed my debt. Hence, why did they call my grandmother three hours after they had illicitly spoken to my uncle, whom confirmed the information they supposedly did not have? Those are only XXXX, atrocious examples go the violation of privacy and dignity FAMS caused against me. They called my family, whom did not know, and suspiciously acquired their information. Absolutely none of the information they have on me uttered these family members names or information, particularly because my " uncle '' is actually a third cousin of my mom, whom I call " uncle '' out of love. When I confronted FAMS on this situation they lied, and claimed that these people were listed as " recommenders '' for my loan. My XXXX grandma with XXXX and poor XXXX did not write me a student loan recommendation. In addition, I would never tell my family of my student debt, especially my uncle. It made no sense. They then proceeded to apologize, but never to told me how they got the information. FAMS is supposed to be in association with XXXX, which had my loan prior. Thus, they already had my number, email address, and address. They did not need to call anyone and did so to embarrass me through cruelty.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2012407
|
2016-07-14
|
Dealing with my lender or servicer
|
Student loan
|
|
| Issue |
Dealing with my lender or servicer
|
| Timely |
Yes
|
| Company |
FINANCIAL ASSET MANAGEMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Received bad information about my loan
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2016-07-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-08-10
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2219388
|
2016-11-22
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
FINANCIAL ASSET MANAGEMENT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-11-22
|
| Submitted Via |
Referral
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-01-05
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
574449
|
2013-10-28
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
FINANCIAL ASSET MANAGEMENT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
I do not know
|
| Date Received |
2013-10-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2013-10-28
|
| Consumer Consent Provided |
N/A
|
|
|
3026026
|
2018-09-21
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
FINANCIAL ASSET MANAGEMENT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Private student loan debt
|
| Date Received |
2018-09-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-09-21
|
| Complaint What Happened |
Thank you for taking the time to review this comment.
My name is XXXX and I am writing a correspondence to make a formal complaint against Financial Asset Management Systems. I have been called 3 times daily on a consistent basis. On the occasions I have answered the calls I was immediately asked to verify my social and full name.
I simply responded " Before I give away my personal information I would like a formal letter in the name verifying your business and the debt to be collected. '' I was then transferred to a manager who said they had sent me a letter. I have yet to receive a single peace of paper correspondence from Financial Asset Management Systems.
These practices are not only unprofessional, but a clear violation of my rights under the FDCPA.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3015831
|
2018-09-11
|
Struggling to repay your loan
|
Student loan
|
|
| Issue |
Struggling to repay your loan
|
| Timely |
Yes
|
| Company |
FINANCIAL ASSET MANAGEMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Can't get other flexible options for repaying your loan
|
| Sub Product |
Private student loan
|
| Date Received |
2018-09-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-10-15
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1863310
|
2016-04-05
|
Dealing with my lender or servicer
|
Student loan
|
|
| Issue |
Dealing with my lender or servicer
|
| Timely |
Yes
|
| Company |
FINANCIAL ASSET MANAGEMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Received bad information about my loan
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2016-04-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-05-17
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1415440
|
2015-06-10
|
Can't repay my loan
|
Student loan
|
|
| Issue |
Can't repay my loan
|
| Timely |
Yes
|
| Company |
FINANCIAL ASSET MANAGEMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Can't get flexible payment options
|
| Sub Product |
Non-federal student loan
|
| Date Received |
2015-06-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-06-22
|
| Company Public Response |
Company chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1954313
|
2016-06-03
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
FINANCIAL ASSET MANAGEMENT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to take legal action
|
| Sub Product |
Non-federal student loan
|
| Date Received |
2016-06-03
|
| Submitted Via |
Referral
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-07-15
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
4505440
|
2021-06-30
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
FINANCIAL ASSET MANAGEMENT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to sue you for very old debt
|
| Sub Product |
Private student loan debt
|
| Date Received |
2021-06-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-06-30
|
| Complaint What Happened |
FAMS called me on multiple occasions attempting to collect a debt that was out of statues of limitations and out of there jurisdiction w/o consent or proper authorization. They did not provide the original contract verifying that I was the original debtor. They where in violation of laws 15 US C 1692 a 5 15 US C 1692 c a 15 USC 1692 d 15 US C 1692B 5 15 US C 1692 b a 15 US C 1692 b 2 a 15 US C 1605 a 15 US C 1692 f
|
| Consumer Consent Provided |
Consent provided
|
|
|
1042142
|
2014-09-24
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
FINANCIAL ASSET MANAGEMENT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was discharged in bankruptcy
|
| Sub Product |
Non-federal student loan
|
| Date Received |
2014-09-24
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2014-09-30
|
| Consumer Consent Provided |
N/A
|
|
|
4548612
|
2021-07-16
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
FINANCIAL ASSET MANAGEMENT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Private student loan debt
|
| Date Received |
2021-07-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-07-16
|
| Complaint What Happened |
Fams called me multiple times without my written consent, they also didnt disclose who they were. They didnt provide verification of the alleged debt from XXXX and they passed the statue of limitations in NY. They manipulated me and used threatening language to collect the debt. I was scared and almost paid my last to have them stop collections. I wasnt aware I had the ability to dispute the debt or they had to provide verification of debt. As a Consumer I want to exercise my rights under the Federal laws.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2137586
|
2016-09-28
|
Improper contact or sharing of info
|
Debt collection
|
|
| Issue |
Improper contact or sharing of info
|
| Timely |
Yes
|
| Company |
FINANCIAL ASSET MANAGEMENT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Talked to a third party about my debt
|
| Sub Product |
Non-federal student loan
|
| Date Received |
2016-09-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-09-28
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I had recently agreed with FAMS to a payment deal on my student loanl, and had already begun paying the amount agreed upon. They assured the agreement was settled and nothing could void it. They also collected the payments I had submitted. When I went to pay this month, I could no longer login on the internet to pay through the account number they had given me. When I called to pay by phone, they had told me that XXXX took my debt back and sold it to another debt collector. I asked how that could be, and the man could not answer me.
When I called XXXX they said FAMS had never disclosed to them about my payment plan. When I called back FAMS, they blamed XXXX and said they had told XXXX about my payment plan and XXXX still voided it. When I asked FAMS if XXXX and them are the same organization, they said no. Thus, why did XXXX take my payment plan away from FAMS, if they are not one entity? No response. When I asked if XXXX had the authority to do that, he curtly said no. When I asked if FAMS could fix it, he told me only XXXX could, which is why I called XXXX again, whom said only FAMS could. I continued to ask either party whether they were connected or under the same organization, they both denied the other, but XXXX could take away my student debt payment plan after I had agreed with FAMS. It made no sense, and neither party wished to make things clearer for me because both admitted a mistake had been committed but it was " the other 's fault ''. Moreover, all the money I had given to FAMS in monthly payments has vanished as not one person has told me where that money has gone or if it went towards my debt. No one was helping me undo a mistake they both had admitted to have been done.
I have called both XXXX and FAMS, a few times, to try and figure what is happening and if they can help me, but, so as to not accept the wrong that has occurred, their customer service has grown meaner by each call. The first time I called each one apologized for the mix-up and blamed the other. When FAMS told me to call back because they would try to speak to XXXX to fix the issue or see what they could, the man began to speak aggressively towards me and tried to deny everything he had said previously, in terms of claiming, that XXXX was not supposed to cancel my payment plan from FAMS : a supposedly separate debt collection agency.Yet, he admitted that he had reported the mistake to XXXX as a managerial complaint, but XXXX was ignoring him. Now, I have a XXXX debt collection agency calling me about the same debt.
I feel insecure, unsafe, and incredibly distressed by the fact that XXXX debt collection agencies are fighting over my XXXX debt that I began to pay, and no one can undo the supposed " mistake '' of cancelling my FAMS payment plan and taking the money I paid without even reimbursing me. I would like my payment plan back, and no one at FAMS, XXXX, or the XXXX collector has a clue how to help me, yet they all want me to pay on the same debt. Yet, I WAS! Each one has no idea how to proceed in this issue, and I am terrified that XXXX will take my debt from anyone after a few months pay, and that money will disappear, as it currently has, and I am stuck in limbo trying to figure out what is my payment deal going forward. It is absolutely devastating to feel like your economic load might be lightening, and you have gotten ahead on paying your debts, only to be misled and treated like trash by now XXXX debt collection companies. I repeat because of XXXX, with the assistance of FAMS, I have a total of XXXX debt collection agencies on me for the same student loan I was paying, and that money has not been reimbursed nor will anyone say if it has gone toward my debt. Sad, helpless, and anxious is how I feel because of how cruelly I have been spoken to, my missing money, and the lies.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1390612
|
2015-05-25
|
Improper contact or sharing of info
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Improper contact or sharing of info
|
| Timely |
Yes
|
| Company |
FINANCIAL ASSET MANAGEMENT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Talked to a third party about my debt
|
| Sub Product |
Federal student loan
|
| Date Received |
2015-05-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-05-25
|
| Company Public Response |
Company chooses not to provide a public response
|
| Complaint What Happened |
I asked for a validation of the alleged debt this was back in XXXX and they have yet to comply. They have defaulted on my Administrative process, I sent a cease and desist letter, they then sent all correspondence to a third party which is an attorney. But they have not validated the alleged debt, and this attorney and I do not have a contract, he is not licensed in my state of XXXX, he is in XXXX. I have all letters that they sent me as well as the attorney. I have a copyright for the name in XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1919819
|
2016-05-11
|
Improper contact or sharing of info
|
Debt collection
|
|
| Issue |
Improper contact or sharing of info
|
| Timely |
Yes
|
| Company |
FINANCIAL ASSET MANAGEMENT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Contacted me after I asked not to
|
| Sub Product |
Federal student loan
|
| Date Received |
2016-05-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-05-11
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2246603
|
2016-12-12
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
FINANCIAL ASSET MANAGEMENT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-12-12
|
| Submitted Via |
Referral
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-12-13
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
