| 10/31/2022 |
Yes |
- Debt collection
- Private student loan debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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RE : ALL ACCOUNTS HELD BY XXXX THAT ARE IN MY NAME. To Whom It May Concern : Be advised this is not an admission I owe or acknowledge the above reference account as mine nor is it a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I also request proof that this debt has not reached the statute of limitations and is not time barred. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : YOU MUST PROVIDE PROOF THAT THIS DEBT IS NOT BEYOND STATUTE OF LIMITATIONS. Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for foe debt collection company in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation is made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards, Signed : XXXX XXXX XXXX
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| 09/28/2016 |
Yes |
- Debt collection
- Non-federal student loan
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- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
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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.
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| 06/15/2023 |
Yes |
- Debt collection
- Private student loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Reference # : XXXX I received a letter dated XX/XX/2023, from Financial Asset Management Systems Inc. It incorrectly stated I owe three debts ( {$17000.00}, {$6700.00}, and {$2600.00} ) for a total of {$27000.00} to XXXX. This puts Financial Asset Management Systems IncXXXX in multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). I do not owe this debt.
On XX/XX/2023, I disputed this debt with a certified mail letter ( XXXX XXXX # XXXX ). Financial Asset Management Systems XXXX received this letter on XX/XX/2023, but did not respond within the XXXX window. Please see the attached XXXX tracking.
I do not owe a debt to XXXX.
The Fair Debt Collection Practices Act ( FDCPA ) states debt collectors can't use false, deceptive, or misleading practices. This includes misrepresentations about the debt, including : * The amount owed * That the person is an attorney if they are not * False threats to have you arrested * Threats to do things that can not legally be done * Threats to do things that the debt collector has no intention of doing '' This is a debt I do not owe, is uncollectible, and Financial Asset Management Systems Inc. is making threats that legally can not be done and they don't have intent on doing.
Financial Asset Management Systems Inc. has also committed a series of Fair Credit Reporting Act ( FCRA ) violations, mentioned below. I have attached their initial communications which clearly show the violations listed below.
Violations : 15 U.S. Code 1692c ( a ) Communication with the consumer generally - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
15 U.S. Code 1692b ( 2 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt.
15 U.S. Code 1692b ( 5 ) Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
15 U.S. Code 1692d ( 2 ) - The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
Impact of Financial Asset Management Errors : These errors have made it nearly impossible to obtain credit of any kind, including buying a house, car, or apartment. These errors have held me back in able to live a normal life as an American citizen.
I am seeking the following : According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the customer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want one thousand per violation ( {$4000.00} total ) or immediately stop all collection activities, stop reporting to all three credit bureaus and provide proof in writing. Please see attached invoice for immediate payment.
Any continued pursuit of this debt not owed will be met by swift legal action to get it disassociated from my name. All necessary debt regulatory bodies will be notified and multiple complaints will be filed until collection efforts are ceased and the proof is provided in writing.
Thank You, XXXX XXXX
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| 07/25/2015 |
Yes |
- Debt collection
- Federal student loan
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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THIS IS NOT A DUPLICATE COMPLAINT. IT IS A NEW COMPLAINT.
{$430.00} was deducted from my pay check on XX/XX/XXXX. I noticed adecline in my pay on that day. This amount has continuously be deductedfrom my pay check monthly as of XX/XX/XXXX. XXXX will be deducted soon.
I called the payroll clerk the very same day and was told that I havebeen garnished. So, I ask for a copy of the forms that were given.
After receiving the form and looking at the lender I told the clerkthat I have not borrowed from this lender. I have not borrowed moneyfrom this company and never heard of it. My job address was usedinstead of my current address. Also, what 's so fraudulent is that thebalance was {$9500.00}. Since this company is taking my money, the balance is less. I do not have student loan debt in that amount. Iwas not notified of this debt at all properly at all. This was thefirst time receiving this information at my job. The forms I seen wereplaced in many hands at my job. If such a company expose a consumerinformation to the public, then it does not need to be in business.
The privacy policy it has is very weak. My social security number wasexposed to a lot of people and other personal information. Also, thecompany mentioned legal action will be taken against my employer andthey must pay the costs of a law suit as a result of legal actionauthorized under the law if they do n't continue with the garnishing. Mypersonal business have been exposed, I was improperly notified of suchdebt which is not fair. I did not receive any forms in advanceconcerning this action, but on my job. This company has too manyaddresses and names.
The following addresses were on the forms : XXXX XXXX XXXX XXXX GA XXXX Also a second address was on the form : XXXX XXXX XXXX XXXX XXXX, MO XXXX.
IThis is highly confusing to anyone. I DO NOT TRUSTTHIS LENDING COMPANY & gt ; THEY HAVE TAKEN OVER {$4000.00} from me through myemployer. I have Proof. I can not get any type of aid to start collegein the XX/XX/XXXX because XXXX reported to XXXX that I have defaulted on a FederalStudent loan. How is that so, when they are currently taking over {$400.00} a month from me for a loan I do not know about.
Did not receive notice of right to dispute, I was improperly contacted by a company who disguise their name based on three different names. Those names are:1. XXXX XXXX ( XXXX XXXX XXXX XXXX ) is the company name on my pay stub that is taking my money as of XXXX in the amount of {$430.00}, but placed in the student data system that I have defaulted. But taking my money.
2. FAMS3. XXXXMy personal business and information have been exposed at my job which is embarrassing for something I had no knowledge of. I feel like a victim of identity theft. This company refuses to show proof of application, payments received, and a letter of approval, etc. I am emotionally tarnished and have experience XXXX due to this issue.
The following company helped XXXX XXXX XXXX XXXX take my money : Company InformationDebt Collection CompanyFinancial Asset Management Systems XXXX Inc. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXXUnited StatesRepresentative Name or IDno name was written on the formsPhone XXXX
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| 04/06/2018 |
Yes |
- Debt collection
- I do not know
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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|
Web |
Servicemember |
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I have been working with a very large and prominent XXXX for several years now as a valued XXXX. They have brought me almost 75 % of my business in the past three years. Yesterday, the Director of the organization sent me an email that I will copy and paste below : Hello XXXX, XXXX XXXX of XXXX ( XXXX XXXX XXXX XXXX ) called me trying to reach you. Her number is XXXX XXXX.
When I inquired about why I was listed as a contact she told me that her records indicate that the XXXX is a partner for your XXXX XXXX? I dont mind being personally listed as a reference but it is false to claim that the XXXX is in partnership with your company. Please correct on your end making sure to clarify that information with XXXX XXXX and any others that may be under that impression.
Best regards, XXXX She also told the director that she had " ... spoken with me a few days before and needed to have a follow-up conversation with me about the important business matter placed in her office ... '' for debt collections. This is a lie, as I never even knew I had a debt owed to this company. Even the more so, if they had spoken to me about my debt, why would they try to reach me on another number?
This is a direct violation of The Family Educational Rights and Privacy Ac
t of 1974 ( FERPA ) [ 20 USC 1232g ; 34 CFR 99 ], also known as the Buckley Amendment, which protects the privacy of student educational records, including financial aid application forms and other financial aid records pertaining to the student ( assuming they are calling for student loans ). This is also an indirect violation of The Fair Debt Collection Practices Act ( FDCPA ) [ 15 USC 1692 et seq ; P.L. 104-208 ] which sets rules that protect consumers from abusive debt collection practices. It also enables consumers to dispute debts, demand verification of the debt and to demand ( in writing ) that the debt collectors stop contacting the consumer ( other than to notify the consumer about specific actions the debt collector is taking, such as filing suit against the consumer ).
I promptly notified the company and they refused to speak to me until I verified my account with my social security number and birthday or address. When I told them I had no clue who they were and felt uncomfortable giving them that information, she said she had nothing else to discuss with me. I asked her to simply tell me what she had mentioned to t he director of the organization, because she clearly could not verify my information to her, but she insisted that she did not share any of my information. I find that extremely hard to believe, based on the email and phone conversation I had with her about using their foundation as " a referral for debt collectors ... '' At the end of the call, I asked them not to contact my business line and left my number, as well as the Director of the organization that they spoke to in regards to my debt. They called again this morning. I would like to pursue whatever action necessary to hold this company responsible for their hostile and illegal debt collection practices. I hope this does not happen to anyone else. Please advise me on the next steps. Thank you.
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| 03/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I am writing about a billing from the Public Defender 's Office dated XXXX/XXXX/XXXX. To date, TWELVE YEARS LATER, I still have not been provided with a detailed itemized bill listing the services rendered. I XXXX requested an itemized bill on XXXX XXXX, XXXX. That request went unanswered. My XXXX notice of the {$2400.00} billing was a XXXX XXXX, XXXX notice from XXXX XXXX XXXX advising me that the Office of the Public Defender referred my account to them for collection. I wrote again on XXXX XXXX, XXXX indicating I had not received any documentation, requested the detailed time sheets and asked what recourse I had regarding the gross professional negligence regarding the " service '' I received. No one in the office, responded to my letter. On XXXX XXXX, XXXX I received another notice, this time from Financial Asset Management Systems, indicating they represent New Jersey 's Office of the Public Defender for collection of the balance I owe. Again, on XXXX XXXX, XXXX I wrote still another letter, attached my previous request and asking for detailed information on the services rendered by the Public Defender on my behalf.
The New Jersey XXXX XXXX XXXX XXXX XXXX sent me a printout dated XXXX XXXX, XXXX from XXXX omitting any contact information for any further inquiries. In addition, there was no reference to what recourse there is for any disputed charges, just long-worded reminders about their authorization and powers to collect through whatever means possible. I have serious issues with the billing and wrote XXXX XXXX XXXX from the NJ Office of Dispute Settlement on XXXX XXXX, XXXX. Unfortunately, many of those represented by the OPD do n't have the resources to do so and may very well be unfairly charged and financially victimized. I was referred to XXXX XXXX XXXX, Chief Fiscal Officer of the NJ Office of the Public Defender, who sent me an itemized billing and offered me a settlement of {$750.00}. I refused any settlement because I disputed the services provided in detail and XXXX XXXX said he referred my entire matter to the NJ Public Defender Management for a decision on XXXX XXXX, XXXX. As of XXXX XXXX, XXXX, according to XXXX XXXX, my matter was still under review. I have not heard a word from NJ Office of the Public Defender Management on my dispute nor an answer to my questions which I have been asking sinceNow, for the XXXX time ( XXXX, XXXX, XXXX, XXXX ) I am receiving collection notices, this time from XXXX of Michigan. I have not received the documentation I have requested for over TEN YEARS from the NJ Office of the Public Defender, but am receiving collection notices for a debt which is invalid.
I can and will provide documentation, names, dates, etc. to support my statements.
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| 04/22/2022 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Since I did not receive a final bill from Financial Asset Management Systems , Inc., since XX/XX/XXXX, I decided to contact them about my collection account with them since I was under the impression that I was almost finish paying XXXX in full. Next, I contacted FAMS to confirm my payment history and their representative confirmed my payment history of 21 payments out of the 31 payments that I have made thus far. In XXXX, one of the bills that I generated from XXXX XXXX XXXX in XX/XX/XXXX in the amount of {$250.00}. I contacted XXXX XXXX to resolve the issue because I was told initially that {$60.00} would cover everything. Then within 30 days I received surprised multiple bills from XXXX XXXX XXXX. That issue was never resolved. Then I decided to make arrangements for {$10.00} which I have made. During the inquiry, I discovered that my payments were not being properly posted to my collection account with FAMS. After, I brought FAMS accounting errors to their attention then they decided to close the account and send it back to XXXX XXXX XXXX XXXX. Therefore, I contacted XXXX XXXX XXXX XXXX and spoke with XXXX XXXX XXXX, and she provided confirmation that I made 24 payments and stated that FAMS send them the payments every 2 to 3 months. However, both companies are violating the Fair Debt Collection Practice Act when they are intentionally collecting an amount greater than I owe. From my perspective all accounts should be verified when they are sold or received. Also, consumers should be provided a receipt of their new and final balance before and after paying their final bill. Consumers should not have to do collection agencies accounting discrepancies.
In addition, the way both companies posted my monthly payments made it appear, as if, I am in the rear when I am not. For example, the dates of the money orders are for that particular month, and they should not be carried over to another month. Instead, they are just posting my payments, and some of the payments are not in sequential order with those dates on the money orders that have been posted to my account. As a consumer, I find it very odd that both companies would implement the same practices and refuse to forward payments over to the collection company that they hired. Also, this is a clear indication that the billing information is not properly verified, and names or detailed notes are not kept on accounts for verification.
To resolve this issue, I am requesting that these practices be fully investigated so this can be prevented from happening to someone else and my overpayments to FAM.
I have attached some of the communications between XXXX to XXXX and their contact information is on their bills and communications.
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| 10/22/2019 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( cell ) XX/XX/XXXX Via Certified Mail, Return Receipt No. XXXX XXXX XXXX XXXX XXXX FAMS - Financial Asset Management Systems , Inc .
Attn : XXXX XXXX VP Operations XXXX XXXX XXXX XXXX, GA XXXX AND Via Certified Mail, Return Receipt No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FAMS Registered Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Notice to Rescind Settlement Agreement Dear XXXX, Please be advised that I am rescinding the settlement agreement made with your company for the following reasons. I agreed to a reduced settlement plan with your company last week and paid {$100.00} down using my Visa ending in XXXX. Your company was told at the time that the agreement was contingent upon my receiving the agreed settlement terms in writing within 24 hours. After I did not receive a copy of the receipt detailing my telephonic payment or a settlement agreement as promised, I called back the next day to inquire about when I could expect to receive the settlement agreement and a copy of my transaction receipt. I provided both an email and a fax number.
As of the date of this letter, you sent one letter dated XX/XX/XXXX still showing a balance of {$54000.00} and a payment due XX/XX/XXXX in the amount of {$500.00}. The letter is attached for your review. The letter does not contain any receipt or acknowledgement of my {$100.00} payment and it does not contain any of our agreed upon settlement terms, include the total amount of the settlement and the agreed upon monthly payment amounts. I still have not received a copy of my transaction receipt for the {$100.00} I paid towards consideration of the settlement agreement. I also have not received the settlement agreement as promised.
At this time, because of your companys deceptive and unfair debt collection practices and because you have breached the terms of our verbal agreement by not providing terms in writing as requested or a copy of my receipt, I do not feel comfortable proceeding with any payment arrangements made with your company. As a result, I am hereby rescinding any agreements made with your company to settle this debt and hereby revoke any promises of future payments made as a result of this verbal agreement, effective immediately. You do not have authorization to debit any of my financial accounts, including but not limited to my debit card ending in XXXX. I hereby dispute the validity of the debt described in your letter dated XX/XX/XXXX, a copy of which is attached for your convenience, and I demand a refund of the {$100.00} made with my Visa card ending XXXX, within 48 hours of your receipt of this notice.
Regards, XXXX XXXX.
Cc : Consumer Financial Protection Bureau
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| 07/17/2023 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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The company FAMS has withheld my XXXX Benefit formerly known as the NJ XXXX rebate as well as my New Jersey tax return. I was contacted by the fore mentioned collection company with a letter dated XX/XX/XXXX regarding an outstanding balance of {$16000.00}. The letter specified that I agreed to make payment arrangements with this company. I never agreed verbally or written notice to make any scheduled payments to this company and immediately notified my lawyer to contact the collection company on my behalf. Since my lawyer 's XX/XX/XXXX letter to this company, FAMS has not made an attempt to verify the debt as requested by the law firm.
This year the Division of taxation mailed XXXX notices dated XX/XX/XXXX which indicates the collection agency has withheld my state refunds. I immediately contacted my lawyer regarding the matter and the law firm sent a second notice dated XX/XX/XXXX to the collection agency requesting they verify the debt. FAMS was in receipt of the law office 's letter on XX/XX/XXXX. To date FAMS has refused to respond to the XXXX and XXXX notifications sent to their office. I contacted the XXXX XXXX XXXX XXXX XXXX New Jersey on XX/XX/XXXX to inquire if any judgements were filed against me due to changing residence in XXXX of XXXX and possibly unaware of any notifications due to the move. The court clerk confirmed there was no " XXXX XXXX XXXX '' found in their system against me from FAMS. The court clerk also completed a state wide search and nothing was found. She also explained their database could confirm information from several years prior and there was nothing found in their database from XX/XX/XXXX to the present date.
I also contacted the XXXX XXXX XXXX XXXX ( current county of residence ) immediately after contacting the XXXX XXXX XXXX XXXX and they as well confirmed there were no " Money Judgement Suits '' filed against me.
FAMS is in clear violation of the Fair Debt Collection Practices Act ( FDCPA ) due to falsely indicating that I agreed to set up a payment arrangement with them in their XX/XX/XXXX letter. The collection company is also in violation due to not responding to notifications sent to them to attempt to resolve the matter. Lastly the collection company is in violation due to withholding monies due to me such as my State Income Tax Refund and XXXX Benefit without properly filing judgement with the Superior Court of New Jersey.
I am requesting this company 's practices as well as this matter be investigated and action be taken against this collection company to receive monies due to me as well as their payment to me in the amount of {$1000.00} for violation of the FDCPA.
|
| 02/01/2018 |
Yes |
- Debt collection
- Private student loan debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I have received several calls from XXXX, on behalf XXXX, regarding a student loan that I cosigned on behalf of a younger sibling. They had called several times throughout the day and weeks from various numbers including ( XXXX ) XXXX.
When I finally answered, XXXX, the first representative, didnt identify herself or the agency. Instead, she began to ask me for my ssn. I asked for information before providing any personal info and eventually felt comfortable enough to provide the last 4 digits of my ssn. XXXX indicated that there was an opportunity to remove my name from the loan altogether through a settlement of about {$8000.00}. When I asked for written documentation regarding that settlement she refused to send anything in the mail or by email.
After several requests to send written documentation of the settlement offer by email or mail, the representative indicated that failure to pay would have implications on my mortgage and other financial obligations. At that point, I explained to her that I understand my rights under state and federal law and that I believe her communication was inappropriate and may be in violation of those rights.
The representative continued to speak over me and would not listen. She refused to provide any written documentation to me. The representative continued to indicate that certain actions will be taken if I had not provided payment account information to preserve the settlement offer.
Once again, I asked her to provide written documentation regarding the settlement offer and possible payment plan but she refused. At that point, I told her that because she could not provide any additional written information I would hang up and would file a complaint.
Within about an 1hr, I called the number again to get the full name of the representative and a mailing address. The second representative, XXXX, told me that she had no record of my previous call. When I pressed her for information, she said that she overheard the call. Because she lied about the recording of the previous call, I ended the call.
I do want to remove my name as co-signer of the loan and, depending on the terms and other factors, am willing to enter into a settlement and/or payment plan. But the representatives withheld information, made threats, and several misrepresentations. These calls were around XXXX and XXXX on XX/XX/2018.
So I am filling a complaint but would also like some guidance. My contact information is above.
Thanks XXXX
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| 09/11/2020 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
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On XX/XX/2020, I received a letter from Financial Asset Management Systems Inc. ( FAMS ). FAMS was requesting money from student loan account that has been paid off. I contacted the company via phone on XX/XX/XXXX to discuss this request. I spoke to XXXX XXXX on this day. XXXX stated that FAMS acquired this account from XXXX XXXX XXXX and that they report to XXXX XXXX XXXX about money collection. FAMS stated that they had attempted to contact me. ( My address hasn't changed in years. My phone number has been the same for over a decade. ) She stated that she would make sure a copy of the master promissory note was sent to me via mail as confirmation of the requested money. I requested to speak to a manager so I could have peace of mind about the proof being sent to me. I spoke to XXXX XXXX, she stated that she would request a master promissory note from XXXX XXXX XXXX and then send it to me. I sent a letter to FAMS requesting validity of the requested money. I sent this letter on XX/XX/2020 with a certified mail receipt.
I contacted the XXXX XXXX XXXX XXXX XXXX ( XXXX ) to verify this debt. The XXXX stated that XXXX XXXX XXXX ( XXXX ) has that account and that it was no longer in the XXXX possession. I called XXXX to get proof of the account. XXXX has not ever serviced this account. I asked XXXX to search for me through social security number. They were not able to provide me with any reference to an account.
FAMS never sent documentation of proof for the requested money. I requested proof via phone and via letter.
On XX/XX/2020, my credit account was flagged because FAMS submitted the account as a collection. On XX/XX/2020, my credit score decreased 103 points.
On XX/XX/2020, I disputed this on my credit report. On XX/XX/2020, the agency reported that the information was accurate.
I contacted FAMS on XX/XX/2020 about them reporting this account to the credit bureau. Also, I told them I did not receive the proof of the account. I spoke with XXXX XXXX. She wasn't able to assist me so I requested to speak to a manager. I then spoke with Mrs. XXXX. Mrs. XXXX stated that she didn't know what happened to it being mailed to me. She stated client services will send the documentation of proof.
I haven't spoken to FAMS or received any documentation from them.
|
| 09/29/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
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Web |
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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.
|
| 03/29/2016 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
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FAMS contacted my placed of employment and informed my co-worker personal information about me and that I have unpaid loans. My co-worker informed the caller these types of calls are not allowed and gave the caller with my permission my personal cell phone number. On another occasion a FAMS employee pretended to call to verify my employment and personal information about me for an " application I submitted ''. When my co-worker became suspicious because the caller was becoming rude she transferred them to my supervisor. My supervisor did not feel comfortable giving the caller the information they wanted after the caller would n't verify who they were so he referred the caller to our company supervisor. Then I received a call from our HR department informing me they received wage garnishment papers from this company for XXXX % of my paycheck. I got the company name and number from the paperwork. I called and was transferred to a man who was rude from the beginning. He stated they have called me numerous times on my cell and have not made contact. Which I have never received a single call or mail from this company. I informed him the address he has is incorrect and I have not lived there in over 5 years and that the name he is using is my maiden name. He argued it is my fault my wages are being garnished and that I should 've kept my name, address and phone number up-to-date with them. And since they never received a returned letter that it 's my fault they did n't have current contact information for me. He stated he does n't know the original debtor but that the loan from 2003 came from XXXX and is now at {$9000.00} due to interest but he ca n't tell me the original amount owed due to the loan being consolidated at some point in the past. He had no interest in updating my contact information, resolving matters with me or helping me get the correct forms that verify the debt owed and debtor owed. He very smugly stated several times that all will be resolved now that my wages will be garnished. How can a company who wo n't verify a debt or debtor? Wo n't communicate with me? And violates third party disclosure now garnish my wages for an unverified " owed debt ''?
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| 10/20/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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On XX/XX/XXXX, at approximately XXXX XXXX, I received a voicemail from someone identifying herself as working for XXXX XXXX XXXX XXXX XXXX I called back and spoke to XXXX XXXX. She told me I was in collection for a debt of roughly {$200.00} to XXXX XXXX. I told her I did not recognize the amount and had received no bill from XXXX. She attempted at that point to get me to pay the amount, and I asked her what exactly it was for.
At that point, she identified herself as a debt collector. I interrupted her and told her I believed she was in violation of the Fair Debt Collection Practices Act by not having first identified herself as a debt collector, despite discussing the debt with me and attempting to collect information.
As soon as I told her this, she became irate, started yelling at me, and the hung up. I called back immediately and asked the person who answered to our a supervisor on the line. I was told the supervisor was busy but would call me back in XXXX minutes. No one ever called.
Two weeks later, on XX/XX/2022, I received a call from FAMS at roundly XXXXXXXX XXXX, seeking to collect the debt. I explained that I had already requested verification, had not received any, and also had not received a call back from the supervisor. I was told one would call me back. Indeed, shortly later, I received a call. The supervisor apologized for XXXX XXXX 's violation of the statute and then began arguing with me about why I had not paid. I explained, repeatedly, that I had received no bill. She gave me dates of bills being sent to me. I explained to her I had moved months earlier, that my mail was forwarded, but that no bill or notice from FAMS had come to me. She said that as not their problem, and that she was entitled to continue collecting the debt. I told her I want no further communication from FAMS.
I called XXXX after that call and received verification of the charges and paid the amount. They apologized for the behavior of FAMS.
I am not satisfied with apologies. FAMS should be punished for the illegal behavior. I seek some kind of administrative remedy. If none can be made, I plan to bring a suit to seek {$1000.00} in statutory damages.
|
| 07/11/2019 |
Yes |
- Student loan
- Federal student loan servicing
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- Struggling to repay your loan
- Problem lowering your monthly payments
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Web |
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Student Loan Debt was covered by Financial Asset Management Systems , Inc. ( FAMS ) from XX/XX/XXXX through XX/XX/XXXX.
Acct Representative XXXX XXXX Date of Authorization XX/XX/XXXX Manager XXXX XXXX If insufficient Funds Contact at least 2 days prior Phone Number XXXX Ext XXXX Hours of Operation XXXX XXXX ( est ) **Told payments would be 80 % to Principal and 20 % to Interest Late Fees I reached out to Debt company covering my Federal Student Loan and received the following response ( included in attachments ) : XXXX XXXX XXXX Fri XX/XX/XXXX XXXX XXXX To : XXXX XXXX Re : United States Department of Education Dear XXXX XXXX : This is in response to your recent email to Financial Asset Management Systems, Inc. ( FAMS ) .
Upon review of our records, your account has been returned back to the U.S Department of Education.
If you have any questions regarding your account, please contact the U.S Department of Education at XXXX.
Calls to and from FAMS may be monitored and/or recorded. Financial Asset Management Systems is a debt collection agency. This is an attempt to collect a debt, by a debt collector, and any information obtained will be used for that purpose.
Kind Regards, Financial Asset Management Systems , Inc.
XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XXXX Voicemail 24 Hours -- NEW LOAN Collector per MYEDDEBT.ed.gov was assigned to XXXX XXXX XXXX.I had been advised that my Debt was at {$33000.00} for principal even with paying past 6 years monthly installments at 80 % against principal and 20 % interest. Attached excel and PDF document ( from Federal Student Aid office ) shows I paid {$17000.00} USD from XXXX. All payments were applied to interest and fees ( nothing applied to Principal balance ). Principal balance did not start getting applied by my payments until my Federal Income Check was seized by government and only 30 % of the payment of {$4900.00} was applied to the principal balance and remainder was applied to interest. I have been making $ XXXX monthly payments since XX/XX/XXXX, and principal balance is only receiving 30 % verses remaining of payment going to interest and fees.
|
| 12/23/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I XXXX XXXX XXXX XXXX XXXX ) have received several threatening phone calls on various occasions disrupting my peace and normal personal family obligations and responsibilities by continuously calling me threatening and harassing me about a 20 year old non eforceable debit that I'm not aware of entering into a contract that would obligate me to pay the debt that they verbally assert my indebtness without providing and contractual aggreements or promissory notes that the company states that I entered into for the purpose of an it education, yet when I request any documents, contracts or evidence to support that alleged material fact. After several requests for this evidence or proof of debt obligation I have yet to be provided with such only vague promised that as of today 's date has not been provided to even assertain that I in fact owe a debit they have the authority to collect on lawfully.i asked them to stop the treating calls and phishing for my personal identifies and private financial, employment, properties and current financial relationships with other financial companies that are in no way related or associated to this unverified or properly identified company without any authority to attempt to collect a debit that has yet to be proved that I'm in fact the correct debtor with the correct indebtness. Please formally file this complaint and investigate this matter to your fullest ability because I truly believe this is criminal fraudulent activity in furtherence of a criminal enterprise.
The company harassing me identifies thereself as " FINANCIAL ASSET MANAGEMENT INC. '' Atempting to collect an debt for XXXX XXXX. I've been called and harassed by XXXX XXXX and XXXX XXXX claiming to be the supervisor while simultaneously attacking me via conference call with several other associates during the same phone calls. One phishing another harassing another falsely attempting to get me to agree to the unsubstantiated debt.
|
| 04/12/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
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Web |
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Loan was taken out for my grandson in XX/XX/XXXX in which I was the co-signor. Over the course of 10 years I have made payments on the loan and am now being told that I owe over {$2000.00}. I noticed that the loan number that I had been paying on is not the same number that I am being contacted about now and have inquired why the number changed. Loan was taken out with XXXX and my request for a payment history has not been provided. I received information from XX/XX/XXXX to XX/XX/XXXX all information for prior years dating back from XX/XX/XXXX I 'm told they can not provide because they have a new system. So therefore my payments are not accounted for. My grandson had other loans and it is my belief that payments were applied to the wrong account. I am on a fixed income and am now being harrassed by a Collection Agency Financial Assest Management Systems , Inc, XXXX XXXX XXXX, XXXX, GA XXXX phone number XXXX. I am being charged intrest and late fees but no one has responded to my request to validate the debt. The original loan was for {$5000.00} in my calculation this should be paid in full at this point and if not paid in full my balance should be no more than {$200.00}. I have gone to my bank to request copies of my cancelled checks which the cost of having them to provide copies is more than I can afford for such history. I do n't know what else to do at this point. I ca n't get any information form Navient on the account formally known as XXXX XXXX. I have heard of the debt tactics that they use and how individuals seem to never pay loans through them. I do not want to be ripped off any longer and request your assistance. I have requested a bill and have never received a bill. Therefore there is no way for me to know what the true balance is that they say I owe as there is nothing to show where may payments of all these years have been applied. All I know is they took my money and applied it to someone 's loan.
|
| 02/08/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Called after sent written cease of comm
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Web |
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XXXX hired Financial Asset Management Systems ( " FAMS '' ) to collect on a private student loan. FAMS flagrantly lied under CFPB complaint number XXXX. In their response they stated that they received a verbal cease and desist in XXXX 2015, and that they called me once on XXXX XXXX, 2015. FAMS conveniently did n't mention CFPB complaint number XXXX, in their response, which was submitted by me on XXXX XXXX, 2015, and FAMS responded to the complaint on XXXX XXXX, 2015. Under CFPB complaint number XXXX, I stated in writing that I wanted absolutely no communication from FAMS. However, FAMS called me on XXXX XXXX, 2015, even after receiving a written cease and desist from me on XXXX XXXX, 2015 under complaint number XXXX. I have their phone call as a records log on my phone. In addition, under CFPB complaint number XXXX, FAMS alleges that they called me on XXXX XXXX, 2015, because of settlement negotiations. However, when I called FAMS on XXXX XXXX, 2015, I specifically told them that I wanted absolutely no phone calls from them regarding the settlement negotiations. I recorded the phone conversation during the phone call. I have the phone call recorded in my phone logs. Under the FDCPA, a debt collector is not allowed to contact a person after receiving a written cease and desist letter, which was sent under CFPB complaint number XXXX. The exception is a debt collector stating that they are ending communications which was done in FAMS ' response on XXXX XXXX, 2015, under complaint number XXXX. As a result FAMS flagrantly violated the FDCPA by calling me on XXXX XXXX, 2015, which caused me severe emotional distress and health issues. There is no exception in the FDCPA to call someone regarding settlement negotiations after receiving a written cease and desist letter. FAMS has flagrantly lied in their responses regarding their violations of the FDCPA and their refusal to adhere to written cease and desist letters.
|
| 11/19/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I do not remember contesting to agreeing for this company to email me. I told him to send me a letter in the mail. I just moved and I never provided them my new address but they have all my information obtained not by me. I believe my debt collector has provided this third party this information. I am irritate at this this point with them sending me letters via email. No one is authorized to give them my information. My number is registered " DO NOT CALL '' registry. I hope you can help me get these people to STOP emailing me as though they have permission by me and they do NOT! They have violated my rights to dispute this matter the appropriate way. Can you help me?
Personal And Confidential Communication from FAMS for XXXX XXXX XXXX Inbox FAMS XXXX via bounce.rs-enotice.com Attachments XX/XX/2020, XXXX XXXX ( 10 days ago ) to XXXX Your eNotice Document is best viewed using the latest version of the XXXX XXXX - get it here XXXX Welcome to eNotice - Please review this email carefully.
XXXX Your Account Details : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMS Account Number : XXXX Dear XXXX XXXX XXXX, Our records indicate that we have your authorization to communicate with you via email at the following address : XXXX To open the secure eNOTICE document : 1. Double click on the secure eNOTICE PDF attachment.
2. Enter the last four digits of your SSN to open the secure eNOTICE PDF.
By providing the last four-digits of your SSN to access the attached PDF document, you confirm your authorization for FAMS to communicate with you via email.
If you do not wish to be contacted via email, follow the Unsubscribe Instructions below.
FAMS is committed to customer satisfaction. If you have any questions about your secured eNotice or need assistance, please contact us.
Sincerely, Financial Asset Management Systems , Inc .
|
| 05/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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XX/XX/XXXX I'm writing to request this information be removed from my XXXX Credit Report Account. I've been disputing this account since it's been placed on my credit report.
I lived at XXXX Apartments back in XX/XX/XXXX. When I got ready to move I spoke with XXXX the rental manager at that time. I gave them proper notice before I moved. I also was granted to move before my lease expired. The agreement was for me to clean the apartment and they would keep my deposit and I would not owe the apartment complex any rent.
This was verbal agreement that XXXX the apartment manager gave me.
After I'd vacated the premises several months later I started receiving collection notices that I owed {$730.00}. I left voice mail messages to XXXX who was the regional manager, I finally spoke with her and she stated that they kept my deposit, but I still owed money. I disagreed with her regarding any monies owed because what XXXX who was the Manager at the time advised me before I left that I didn't owe the apartment complex any money. I still didn't agree to what had taken place.
I was still receiving collection notices until I decided to pay this money, because it would affect my credit and me not being able to rent another apartment.
Before I agreed to pay the collection, I phoned XXXX XXXX XXXX, I believe I spoke with XXXX XXXX, I wanted to know if I paid this collection would it be deleted off my credit and she advised that it would be in a few months. Well a few months has turned into years.
I've been disputing this item for several years, and they refused to delete off my XXXX Credit report. I'm writing to your agency to see if this item can be deleted from my report. I've paid the item, but the collection agency didn't remove it like they told me.
Please review this matter, I look forward to hearing from someone hopefully with good news.
|
| 06/15/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
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Web |
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Over a period of a year the following occurred:
Dishonestly told me they could not establish a payment plan unless I made a down payment and committed to a monthly payment I couldn't afford. Threatened that if I didn't begin. Along these payments they would garnish my wages.
Omitted multiple requests to change my address, leading to never receiving ability to dispute an administrative wage garnishment.
Placed administrative wage garnishment while not allowing my fair right to dispute.
Despite their unlawful methods of implementing my garnishment, I attempted to set up loan rehab and on XXXX) occasions of providing the requested info, I was told they never received it. And after (6) months of compliance, I was told these payments were not considered adequate since they "never" received my documentation. They would consider restarting the program after I finally requested I would no longer comply unless all contact was in writing and requested verification of what my balance was based on, since it doesn't match my loan info. They claimed this was a cease and desist, and would no longer deal with me or provide me with any additional information.
Despite $XXXX in the funds they've recovered my balance has not gone down. To date they still reflect me owing the, a balance of $XXXX.
They have yet to provide adequate information breaking down the costs my debt they claim I owe. The info that was provided to me, only accounts for approx 30% ($XXXX) of the balance they claim I owe them ($XXXX).
Finally after months of attempting to dispute the garnishment they finally rescinded it after I filed a complaint the myeddebt website. I provided hardship paperwork, however FAMS, nor their "special accounts" will discuss my account. I was directed to contact my Ed debt, Whom directed me back to FAMS, despite explaining their refusal.
|
| 12/10/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
|
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After purchasing my first house 6 years ago I started receiving debt notices for debt that was not mine. I've never had a problem with credit card debt and have no student loans. After calling the original creditor I discovered that I shared the exact same name as the person who owed the debt, but they understood and removed me from their system. For 4 years I would receive notices randomly from different debt collection agencies. My assumption was that this debt had been sold to several other debt collectors. Whenever I called to explain they had the wrong person and address each one stopped sending notices.
About 3 years ago my wife got a call from a Sheriff 's officer. The man with my exact same name had died and the system listed my wife 's phone number as contact. Luckily I was at the house when she received this call and the Sheriff was very apologetic for the mistake. After this the debt notices stopped. To my recollection maybe one or two more came in the mail but as soon as I called the number listed, the collector could easily XXXX the man 's name, find his obituary, and remove me from their system.
Two weeks ago FAMS INC started sending me notices in the mail, but whenever I call to explain the situation they will not listen. They continue to send me notices and offering settlements even though I can point them to this man 's obituary. After sharing that information with them they claim there is nothing they can do. They continually send me notices and treat me as if I'm lying if I call the number listed. They've asked for my social security number and date of birth multiple times. I have never shared that because I fear they are trying to burden me with this now deceased man 's debt whom I have no relation to at all aside from sharing a very common name.
|
| 11/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
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Web |
|
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Over the course of the last month, a variety of individuals from Financial Asset Management Systems based in XXXX, Georgia have called my cellular telephone number more than 100 times from a variety of masked telephone numbers identified as potential spam calls. Each time I have answered, they inform me they are calling to discuss a personal business matter and advise me that before they tell me what the personal business matter is I must confirm for them Personally Identifiable Information ( PII ) such as my date of birth or residence address. When I advise the callers that I will not confirm the PII, they tell me that they will send a letter but can not discuss any information without me first providing the PII.
I am filing this complaint now because the frequency and insulting nature of these calls continues to increase. First, as of this date I have never received any written correspondence from Financial Asset Management Systems, despite their repeated statements that they have sent such. Today, I received a call from a Financial Asset Management Systems employee who identified herself as XXXX XXXX, who followed the same script as her colleagues in asking that I provide ( confirm ) PII. I advised her I would not and told her that I have repeatedly asked their representatives to send me written correspondence if they believe there is a legitimate matter to discuss with me. She insisted they have, and told me they sent an initial letter that she was looking at in the file. When I told her that I had never received anything and questioned the legitimacy of their inquiry, she decided to add an unwarranted insult by saying that, If youd take care of your personal business matters we wouldnt have to call you every day before hanging up on me.
|
| 06/15/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Beginning of XX/XX/XXXX, I am receiving calls from XXXX, XXXX, XXXX numbers along with numerous other numbers. By XX/XX/XXXX, a call is placed to my spouse phone claiming they are FAM and that I gave them his reference number. They do not specify who they are or anything of that nature. By XX/XX/XXXX, I call them back around XXXX PST and I am speaking to an unprofessional, rude, and ignorant agent of FAMS. He goes off telling me he is representing XXXX and they want to settle for a certain amount, asked if I had it, and went off asking how I make my living. There was no discussion that they sent a notification or anything. Or that I am able to go online with account number to check out any notification from them. Then, I am asked for my banking information and told they will be deducting {$250.00} for 4 months and the interest will stop. From all of this, I am not sure who these people are because I never received any written information and will not be giving any information over the phone. After that conversation, I asked if I can start in XX/XX/XXXX. The rude boy gets upset and say well I just have to. Let XXXX know you are not able to do it. The approach was very rude and in a attacking matter where no options were given. After the conversation with this rude individual, I receive 3 more calls with the numbers listed above. I need to see written information and options for me to believe this is what is going on. Being rude and ignorant will not help these people get a reaction or settlement from anyone. To make it worse, there was no notification what so ever. This can be a company out of a basement collecting from individuals. Nothing else was explained. The harassment continues with them on the daily with 4 or 5 calls a day.
|
| 12/29/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have been paying Financial Asset Management Systems ( FAMS ) for two years on a student loan debt that is owned by XXXX. FAMS has been miscalculating my payments and not applying my payments correctly to the alleged balance which is a flagrant violation of the Fair Debt Collections Practices Act. FAMS has been adding interest to the balance which is also a violation of the Fair Debt Collections Practices Act.
I would be willing to settle the student loan debt for {$5000.00}. XXXX had offered a settlement agreement of about {$10000.00} more than 6 months ago. I have been making monthly payments throughout this time to FAMS, including after XXXX offered that settlement agreement. I would be willing to settle the debt for {$5000.00} as I have already paid XXXX thousands of dollars over the past two years.
During the past 4 years I have filed multiple written complaints and have copies of, against XXXX and their debt collectors for flagrant violations of the Fair Debt Collections Practices Act.
I would be willing to settle the debt for {$5000.00}. I have been making payments to FAMS for two years each month even while experiencing tremendous financial difficulties. I would need the settlement confirmation in writing from XXXX. In addition, before FAMS I also paid another debt collector that XXXX had hired to collect on the debt, thousands of dollars. The only reason XXXX switched from the old debt collector, XXXX XXXX XXXX, to FAMS was because the old debt collector flagrantly violated the Fair Debt Collections Practices Act, which is something that FAMS has also done. I would be willing to settle this debt for {$5000.00}.
|
| 08/30/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
Financial Assets Management repeatedly violated my consumer rights by doing the following : I let them know the best time they can call me, NOT between XXXX-XXXX, which means they are legally prohibited from calling me at that time and they continue to do so.
They continue to harass and be abusive over the phone which is against the The Fair Debt Collection Practices Act. They have called at the times they are legally prohibited from calling during three consecutive days in a row, multiple times during those days and have acknowledge that the notes reflect that I have told them that they can not call during those times.
They use unfair and threatening practices such as stating that my employment has scofflaws and because of that I have a moral obligation to pay the debt. However, that policy does not pertain to private student loans. When I explained that to them the response was that they did not care and their only job was to obtain payment and they are not in customer service and they can and will speak that way to me if they want to.
They have also made misleading and false statements that were threatening in nature.
They find humor in getting the individual upset, they speak over them and when you are trying to explain to them that you want to work something out but can't at discuss it at this time ( again, they are calling at times they are legally prohibited from ) they ask inappropriate, condescending rude questions.
Furthermore, when I asked the to cease contacting me the response was, basically, " too bad, we will continue to contact you and obtain payment by any means necessary. ''
|
| 07/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
I received services @ XXXX XXXX and the billing went to XXXX XXXX XXXX made a mistake on the EOB and did not process my account considering I have a Medical Financial Assistance status on my account.
On XX/XX/2023 I wrote to XXXX to dispute this fact. XXXX ignored my certified letter.
I spoke to the accounting department at XXXX and they refused to verify the EOB determination for errors. The letter was received and signed for 3 days prior to the due date.
" XXXX : [ XXXX ] Okay. Yeah. So now we can't resubmit it over to XXXX because they're going to deny it due to the claim. If it needs to be resubmitted, then XXXX will send us over a new claim to get reprocessed. [ XXXX ] [ XXXX ] '' Since I demanded to be contacted in writing ONLY they immediately referred the account to collections rather than verify the debt. The original date due was XX/XX/2023 the account was sent to collections 10 days after the due date. The account was not even 30 days past due Then I was contacted by Financial Asset Management Systems " FAMS : [ XXXX ] XXXX placed an account with us since XX/XX/XXXX of this year with the balance. And we're just calling to see you. Wanted to make a payment on it. [ XXXX ] [ XXXX ] '' The date was XX/XX/XXXX XXXX business days later and she first said we sent a letter. I pointed out how absurd it was for me to think that they received the account on the XXXX and by the XXXX I received notice and had sufficient opportunity to dispute the debt.
I notified FAMS about the dispute with XXXX. She did not care. I demanded notices by main ONLY no phone calls
|
| 10/04/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
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Filed Chapter XXXX Bankruptcy XXXX XXXX for 5 years. Student Loan included in Bankruptcy, balance {$27000.00}. Bankruptcy paid {$7000.00} over 5 years. Balance was {$20000.00}, XXXX XXXX. FAMS started calling me 1 week after discharge, saying I owe a total of {$30000.00}. I said could not be right Bankruptcy paid {$7000.00}. They said since they had it its finance and interest, so the Bankruptcy payments vanished, was not applied to the balance or they added money to the balance to bring it back up. XXXX from FAMS stated if I get in their payback program they will waive the finance and service charges. I have to pay a certain amount each month for 9 months. I had the payment come out of my bank account on the last day of the month, each month. XXXX XXXX I get a call from them stating my payments are not clearing that I will be put out the program and they would have to garnish my wages. I said NO NO that 's not possible, my statements show each month you received my payments. I had to send them a copy of my statement showing where the payments were going to FAMS. I did that but it was n't good enough. Talk to a Supervisor, she said she use to the banking world and she would need to see my entire bank statement. No you do n't, you do n't need to see my other transactions only the transaction that pertains to you showing where payment was made and cleared. They would not credit my account of the XXXX payments made to them, they want to set me up in the program again. I do n't think so, you took my money before, you will do it again, I will consult my attorney.
|
| 12/26/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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XXXX hired Financial Asset Management Systems to collect on student loans. Financial Asset Management Systems is alleging that I have only paid {$1000.00} in total for the last 13 payments that I have made on my account. This is false. Financial Asset Management Systems is flagrantly violating the Fair Debt Collections Practices Act by not accounting all my payments properly. Financial Asset Management Systems is asking me to provide proof of payment when they should be the ones that should be correctly totaling my accounts. Each monthly payment on my account has been for at least {$250.00}, however Financial Asset Management Systems is incorrectly claiming that I have only paid {$1000.00}, which is patently false. XXXX and Financial Asset Management Systems are engaging in deceptive debt collection practices. Under CFPB complaint number XXXX, Financial Asset Management Systems is incorrectly claiming that I have only paid {$1000.00} on my account. Financial Asset Management Systems is engaging in deceptive debt collections practices because I have paid way more than that amount of my account and it shouldnt be up to me to proprerly credit my account, it should be up to the debt collector. Financial Asset Management Systems is misrepresenting the payments I have made on my account and not properly accounting all the payments that I have made.
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| 10/30/2020 |
Yes |
- Debt collection
- Private student loan debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Financial Asset Management has reported this collection to my XXXX credit report with the current balance of {$4300.00} and an original balance of {$3300.00} and original creditor being XXXX XXXX. I contacted the company months ago to request a mailed written verification of debt along with the original date the loan was opened, the loan amount, the university the loan was used at, and the school year ( s ) the loan was submitted for since this student loan is unknown to me. The representative I spoke with at the time advised me that she would mail out verification of debt along with the open date for the loan, loan amount, the university the loan was used at, and the school year ( s ) the loan was submitted for. But I have yet to receive anything in the mail and this is still being reported on my credit report as a owed collection. I am requesting either the collection agency or the original creditor provide me with mailed written factual proof that this debt is valid and owed by me. Along with providing the date the loan was opened, the loan amount, the university the loan was used at, and the enrolled school year ( s ) the loan was used for. If my requests noted above can not be met in full then I would respectfully request this debt be deleted from my credit report with all bureaus reporting it and with no future reappearance.
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| 10/02/2015 |
Yes |
- Debt collection
- Non-federal student loan
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- Communication tactics
- Called after sent written cease of comm
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Web |
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Financial Asset Management Systems called me on XXXX XXXX, 2015, after I had already sent a written cease communication to them under complaint number XXXX. FAMS agreed in writing under complaint number XXXX on XXXX XXXX, 2015 to not contact me anymore. I called FAMS on XXXX XXXX, 2015 and recorded the phone call to get a statement balance and payments made on the account. During the phone call on XXXX XXXX, 2015, which I recorded I again expressed to FAMS that they were not to call me because it 's my work phone however, they proceeded to call me on XXXX XXXX, 2015, which is a flagrant violation of the Fair Debt Collections Practices Act. FAMS had previously agreed in writing on XXXX XXXX, 2015, not to call me again or contact me again however they proceeded to call me on XXXX XXXX, 2015. It is debt collector harassment to continue to call even after receiving a written cease communications letter. FAMS should not be attempting to call me nor write to me because they agreed in writing on XXXX XXXX, 2015 in a separate CFPB complaint ( XXXX ) not to contact me again however, they proceeded to call me on XXXX XXXX, 2015, which is a flagrant violation of the Fair Debt Collections Practices Act. I am suffering from severe emotional distress as a result of Financial Asset Management Systems debt collection harassment.
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| 07/07/2015 |
Yes |
- Debt collection
- Non-federal student loan
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- Taking/threatening an illegal action
- Threatened to sue on too old debt
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Web |
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Financial Asset management systems ( FAMS ) has steadfastedly refused to provide me a detailed balance statement on my account. In addition, FAMS does not have a contract with me to collect student loan payments from me. FAMS is engaging in illegal and abusive debt collection practices. The only rationale that I keep receiving on why my balance jumped from {$24000.00} to {$66000.00} is " interest. '' " Interest '' is not a sufficient explanation. I never received a detailed balance statement as to how this occurred and how this new balance was calculated. FAMS is trying to Collect on a balance that has not been shown to be correct which is a flagrant violation of the Fair Debt Collections Practices Act. FAMS is engaging in unfair business practices. I have not been shown where my debt payments are being applied to. In addition, my credit report has not been updated to repayment status as I was originally told by FAMS. FAMS has repeatedly threatened me, and has engaged in abusive debt collection practices including hanging up on me and repeated threats that are in flagrant violation of the Fair Debt Collections Practices Act. Their lies regarding updating my credit report to repayment status after XXXX payments which never happened were flagrant violations of the Fair Debt Collections Practices Act.
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| 02/19/2016 |
Yes |
- Debt collection
- Non-federal student loan
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX is flagrantly violating federal and state consumer protection laws. I have been paying {$250.00} per month for more than a year to XXXX through their abusive debt collector that they hired to collect on their debt Financial Asset Management Systems. XXXX has illegally manipulated their reporting of the debt to XXXX by not identifying the repayment plan that I have participated in for the past year at {$250.00} per month, and a 0.01 % interest. XXXX has modified their reporting to XXXX for my account t to make it appear like I have n't been paying for the past year as they had stated in writing they would. In addition, XXXX is now reporting the accounts as in collections on my credit report which they had n't done before and was in retaliation to the complaints I have filed against them and their debt collector Financial Asset Management Systems. The only reason to report the accounts in collections now was to try to hurt my credit report even further. Even though I have been paying for over a year and even though they have broken federal and state consumer protection laws many times. In addition, they have added unconscionable fees and interest to my accounts to which they have never fully accounted for. XXXX is engaging in violations of state and federal consumer protection laws.
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| 01/29/2016 |
Yes |
- Debt collection
- Non-federal student loan
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- Communication tactics
- Called after sent written cease of comm
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Web |
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XXXX hired Financial Asset Management Systems ( " FAMS '' ) to collect on a student loan. Under Consumer Financial Protection Bureau ( " CFPB '' ) complaint number XXXX, FAMS stated that they did not contact me after XXXX XXXX, 2015, which was a flagrant lie and a flagrant violation of the Fair Debt ColIections Practices Act. I have attached a letter from FAMS where they confirmed they tried to call me on XXXX XXXX, 2015, even though they had received a written cease and desist letter from me in XXXX 2015 and another one in XXXX 2015. Both of which were logged in the CFPB complaint system and were in writing. In addition, FAMS again lied under complaint number XXXX, where they stated they had n't contacted me after XXXX 2015, which was another lie, as I have the phone records of FAMS calling me on XXXX XXXX, 2015, in addition to FAMS ' own written confirmation that they contacted me on XXXX XXXX, 2015. FAMS is engaging in deceptive debt collection practices, and their frequent misrepresentations are flagrant violations of the Fair Debt Collections Practices Act. In addition, their contact and their harassment after I had sent them written cease and desist letters has caused me severe emotional distress and health related issues.
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| 01/06/2016 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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My mother since 2012 has been receiving calls from a XXXX Company looking for XXXX. My mother, XXXX XXXX, since having acquired the number in 2012 from XXXX started receiving calls. As she does not speak XXXX, she tells me that they call and hang up once she starts talking. I return the numerous calls and after speaking to someone, always find out its actually for an XXXX XXXX. After a heartless apology for the mistake the countless reps over the years have vowed with every fiber of their being to remove the number to ensure she never gets a call again. A few months go by before another call looking for an XXXX XXXX from the same company. Today was the last straw, I called back and spoke to a representative and then his manager XXXX XXXX who was extremely rude, condescending, and was deriding my XXXX background when I was speaking to my mother the victim of these non-stop harassment calls that she does not understand. XXXX kept overtalking me and refused to apologize for the way he was speaking to me. Again the calls for XXXX XXXX has been ongoing for over 3 years. XXXX has confirmed with me that the they have XXXX XXXX for my mothers number XXXX and they do not know why this collection company say its XXXX XXXX.
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| 09/13/2015 |
Yes |
- Debt collection
- Non-federal student loan
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- Improper contact or sharing of info
- Contacted me after I asked not to
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Web |
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I want Financial Asset Management Systems to stop calling me, to stop sending me letters, and to stop trying to communicate in any communication form with me. If I need to speak with Financial Asset Management Systems I will call them. If I need to make a payment I will call them to make a payment. Otherwise I do n't want Financial Asset Management Systems to contact me. XXXX has hired Financial Asset Management Systems to collect on a private student loan however Financial Asset Management Systems has repeatedly and flagrantly violated the Fair Debt Collections Practices Act with their illegal and deceptive practices. In addition, my student loan debt has more than tripled as a result of XXXX using debt collectors who flagrantly violated the Fair Debt Collections Practices Act. XXXX adds excessive interest and collection fees whenever they change debt collectors on a loan. As a result of XXXX illegal practices of adding illegally excessive fees and collection costs my loan has XXXX in balance from a start of {$24000.00} because XXXX has intentionally and flagrantly added illegal fees and collection costs to my account which has ballooned the balance to an unconscionable level.
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| 02/19/2016 |
Yes |
- Debt collection
- Non-federal student loan
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX hired Financial Asset Management Systems to collect on my student loan. Financial Asset Management Systems ( " FAMS '' ) is engaging in deceptive debt collection practices. I had setup an automatic payment using FAMS ' own online payment system for XXXX 2016. For some unknown reason FAMS cancelled the automatic online payment for XXXX 2016, which made me allegedly late for my monthly payment. I have attached a screenshot of FAMS own online payment system. I went back and checked FAMS online system on XXXX XXXX, 2016 and noticed that XXXX had cancelled the payment and I made the payment on XXXX XXXX, 2016. The attached screenshot shows the cancellation from XXXX. To top it off, XXXX is trying to modify my credit report as a result of FAMS ' illegal debt collection tactics because XXXX is no longer reporting the payment arrangement to my credit report ( {$250.00} per month, 0.001 % ) with any of the credit reporting agencies which I 'm assuming is a result of FAMS ' action of canceling my monthly payment for no reason. There is no reason FAMS should have cancelled the monthly payment. FAMS is engaging in flagrant violations of the Fair Debt Collection Practices Act.
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| 01/16/2016 |
Yes |
- Debt collection
- Non-federal student loan
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Under CFPB complaint number XXXX, XXXX alleges that XXXX and/or Financial Asset Management Systems can run my credit report anytime they want. That statement is false. In addition, whoever wrote the response from XXXX to CFPB complaint number XXXX, does not know what they are talking about because they cited the wrong applicable law. They cited the Fair Debt Collections Practices Act. The applicable law is the Fair Credit Reporting Act in conjunction with the Fair Debt Collections Practices Act. It is a very fine line between being able to run someone 's credit report including mine whenever they want as a permissible purpose, and the action of re-running someone 's credit report over and over, including mine, constituting harassment. Financial Asset Management Systems pattern of continuing to run my credit report over and over constitutes harassment. The person who responded to CFPB complaint number XXXX from XXXX has no idea what they are talking as they cited the wrong law when responding to the issue of running someone 's credit report over and over, including mine. XXXX has a pattern of denying everything, just like they denied overcharging troops, which they did.
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| 10/12/2015 |
Yes |
- Debt collection
- Non-federal student loan
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX hired Financial Asset Management Systems to collect on a private student loan. Financial Asset Management Systems XXXX FAMS XXXX had previously stated in a Consumer Financial Protection Bureau complaint that I had filed that they do not save credit card information. Their statement was false and deceitful because I went online today to make a payment to the FAMS online payment website and they had XXXX different credit cards saved under my name and account information. FAMS is intentionally misrepresenting that they do not save credit card information when in fact they do save credit card information as is shown in the attached .jpg file which I screenshoted to show that FAMS does save credit card information even though they had previously stated in a prior CFPB complaint that they do not save credit card information. FAMS is engaging in deceitful debt collection and misrepresenting their business practices which is a flagrant violation of the Fair Debt Collection Practices Act. FAMS lied when they previously stated in a prior CFPB complaint that they did not save credit card information which was a flagrant lie and I have proof that they lied to me about it.
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| 05/13/2016 |
Yes |
- Debt collection
- Federal student loan
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Lied about owner of school skipping town to XXXX and heed all records and the federal government was looking for him when I asked for copy of any and all school records told them I was filling for loan discharge they told me it did n't matter that the apps would be thrown in trash by the student loan people. I sent three apps in with a time span of 4 to 6 weeks of weighting for a response from the student loan pepole For each one. None came sent letter to student loan people reporting the story I was giving to them.as well asking about the loan discharge apps I sent threw the collections agincy.there response was that they are very Thorel in keeping records and had no record of receiving any apps from me and stated that there was no evidence of illegal activity going on with the school. This happened many years a go.I had no one to turn to or new what to do so I complied and continued to pay and I 'm still paying.there was not any thing done about my complaint to the student loan pepole.it was forgotten.I have been paying them money under false and miss leading information for years now.the collection agency never sent the apps to the student loan pepole.
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| 05/17/2018 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Problem with customer service
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Web |
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I called FAMS about my payments after speaking with Department of Eduaction and them telling me that FAMS is a fraudulent company. I asked Dept of Ed. to stay on the line while I called FAMS. When we called the representative from FAMS was very hostile when I explained I wanted to get answers regarding my account and was belligerent with Dept of Ed. rep. Dept of Ed told me to contact XXXX and told me this company probably was not reputable and to do further investigation. I called with XXXX who said they hadnt heard of company so again I asked if they would call on the line with me and received the same hostile response from representative when XXXX asked them about my account. After further investigation I found my account was with the defaulted private section of XXXX. FAMS was of no help with this they simply screamed I needed to settle the account when I tried to resolve if they were a reputable company Ive been paying. Both representatives from XXXX and Dept of Educatin were just as appalled as I was after the conversations were derailed into FAMS being unprofessional with answering simple questions about my account.
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| 11/25/2017 |
Yes |
- Debt collection
- Private student loan debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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The XXXX company contacted me at my job and made repeated calls from XXXX - XXXX on a two hour cycle. The phone calls began XXXX XXXX, XXXX and are still occurring today. XXXX calls my office phone literally every two hours every day averaging six calls within one day and they do this Monday - Friday. I asked them not to contact me at work but to use my cell phone number that they have on file and on record and they never honored this request, which means I can not make payment arrangements because I am not in a position to discuss my financial affairs at work. In addition, I never received a written letter that FAMS now had the account that was originally at XXXX and I already had a payment plan/arrangement established with that company. Had I received a written letter I would have contacted XXXX and made arrangements. I still have not received a written letter outlining who I should call, the company details and how much I supposed owe. I was never notified in writing or otherwise that the account was no longer with XXXX. XXXX never had my work phone number they always contacted me via my cell phone number on file.
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| 09/28/2015 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Threatened to take legal action
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Web |
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Financial Asset Management Systems Inc. representative contacted me to collect a debt. However, the representative refused to give me any information on the debt unless I provided my full social security number. I told representative that I will not provide my social security number ; that I will only provide my name and address. The representative insisted that I provide my social security number otherwise she will not provide any information about the debt. I told her that I will not jeopardize giving you my social security number for her and the company she is representing to use in any type of security breach that can devastate my identity. She insisted that I give my social security number or else I do not receive the information about a debt collection and threatened to take legal action against me for not providing my social security number to her.
I find this very troubling as this company has attempted to extort my social security number and attempting to collect a debt and are unable to provide any information about this debt and then use threatening tactics.
Unacceptable!!!!
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| 01/05/2017 |
Yes |
- Debt collection
- Non-federal student loan
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Financial Asset Management Systems ( FAMS ) is attempting to extort money from me. FAMS and XXXX were supposed to send me a settlement agreement in the mail which I never received. The settlement amount was {$10000.00}. Now FAMS is trying to extort more money from me by asking for {$15000.00} when I never received the settlement agreement for the {$10000.00}. FAMS is claiming that I did not accept the {$10000.00} settlement amount in a timely manner. This is lie, and a flagrant violation of the Fair Debt Collections Practices Act. I was supposed to receive a settlement agreement in the mail which I never received. I 'm willing to settle the debt for {$7500.00}. FAMS is trying to extort more money from me, and are flagrantly lying about not accepting a settlement amount in a timely manner. I never received anything in the mail. FAMS and XXXX did not attach document to the previous CFPB including the settlement agreement. FAMS is engaging in deceptive and coercive debt collection tactics in flagrant violation of the Fair Debt Collections Practices Act.
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| 01/21/2016 |
Yes |
- Debt collection
- Non-federal student loan
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- Improper contact or sharing of info
- Contacted me after I asked not to
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Web |
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XXXX hired Financial Asset Management Systems to collect on a private student loan debt. Under complaint number XXXX, Financial Asset Management Systems ( " FAMS '' ) alleges that they used " XXXX Collection Advantage to identify, confirm, and/or validate your location information due to the fact that we have been unable to identify your actual mailing address and you have mailed to provide same. '' I had requested in writing to FAMS in XXXX 2015, not to contact me anymore to which they agreed. There was no reason that FAMS needed location information since they had a cease and desist request from me. However, they used the XXXX on XXXX XXXX, 2015, for which there was no reason for it since they were not to contact me after XXXX 2015. The only reason FAMS used the XXXX on XXXX XXXX, 2015, was to harass and annoy me in flagrant violation of the Fair Debt Collections Practices Act. They had already received a written cease and desist in XXXX 2015, so there was no reason to try and contact me after that time.
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| 10/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
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Web |
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I have been contacted repeatedly for the past two weeks by a company named financial asset management systems. Their number is XXXX ( XXXX ) XXXX. I do not have any outstanding debts or balances to any creditors, debtors or businesses. However the persist in calling me. Today, XXXX XXXX I received a call and the representative XXXX XXXX Washington, I believe ) asked for my birthdate and last four digits of my social. When I gave her the information she said thank you and hung up the phone.
I called back to speak to a supervisor and A XXXX transferred me to a XXXX, XXXX ( I can not recall ) and told her what had happened with the previous call and that I believed this organization to be a fraudulent one and to stop calling me or I would report them. She then said it was not a scam and asked me for my social and birth date again. I told her I would not supply this information, and to send a certified letter to the address on file. She said she would not and persisted to threaten me. So I ended the call.
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| 01/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
Servicemember |
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XX/XX/XXXX @ XXXX XXXX, received a two-minute call from Financial Asset Management, where I requested no phone and to correspond in writing only.
XX/XX/XXXX - ( still waiting for phone bill from t-mobile ). Spoke to a representative from Finacial Asset Management, I asked her why are they calling me when I requested no more calls on my cell phone. The young lady did not apologize for the call, did not say I will remove your phone she just rudely and abruptly hung up the phone on me.
XX/XX/XXXX XXXX ( today ). I received a call from Financial Asset Management and I answer the phone and kept saying hello a couple of times and the person on the other end was quiet and would not speak. I stated very clearly Financial Asses Management you are not harassing me, and the person on the other end immediately hung up the phone. It was obvious I was documented as not to call because the person would have asked for me and would not have hung up after I made the statement that this is harrassament.
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| 05/26/2015 |
Yes |
- Debt collection
- Non-federal student loan
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I signed up with the .001 % loan rehabilitation program with Financial Asset Management System ( FAMS ) and XXXX for my student loans. When I started the program I was told that my credit report would be updated after XXXX payments of {$250.00} per month to reflect the new rehabilitation program. In addition, I was told by the FAMS representative that my credit report status would be changed to in repayment after 3 monthly payments of {$250.00} each month. Financial Asset Management Systems misrepresented and flagrantly lied about my credit report being updated. I have made 4 monthly payments of {$250.00} and my credit report has not been updated. When I have asked FAMS about my credit report not having updated as of yet, I am told that they are " working on it. '' I was lied to in regards to my credit report status changing. In addition, I have never received a statement balance as to where my payments have been applied to, collection costs, fees, and current interest rate on my loans.
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| 03/11/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Used obscene/profane/abusive language
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Web |
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Navient hired Financial Asset Management Systems ( " FAMS '' ) to collect on a student loan. I called FAMS on XXXX XXXX, 2016, to offer a settlement agreement on the debt of {$430.00} per month beginning on XXXX XXXX, 2016, for 24 months for a total settlement on the loans of {$10000.00}. XXXX had previously offered a settlement of $ XXXX FAMS agent stated that they could n't help me for some reason. They said they could n't pull up my account and that they could n't help me, even though I 've been making payments for th past 14 months to FAMS of {$250.00} per month. I recorded the phone call of the agent stating that they could n't help me. I have no idea why FAMS could n't help me because they have been taking my payments for the past 14 months. I called to offer the settlement, but unfortunately FAMS was playing hardball, and the agent was misrepresenting that they could n't help which is a flagrant violation of the Fair Debt Collections Practices Act.
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| 02/19/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX is no longer reporting the payment arrangement that I have had for over a year with them to my credit report with any of the credit reporting agencies. I have been paying {$250.00} per month for over a year to XXXX through the debt collector they have hired Financial Asset Management Systems. XXXX is no longer reporting the payment arrangement anymore to any of the credit reporting agencies as they had been doing even though I have been paying {$250.00} per month under the 0.001 % payment arrangement for over a year and to which XXXX had agreed to report on my credit report. I have all the documentation that shows that I have been paying Financial Asset Management Systems {$250.00} per month for over a year. There is no reason why XXXX should no longer be reporting the payment arrangement to the credit reporting agencies as I have been paying their debt collector under the payment arrangement for over a year and I have the documentation to prove it.
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| 07/21/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I, XXXX XXXX XXXX decided to contact the CFPB regarding an issue with a collection name FINANCIAL ASSET MANAGEMENT SYSTEMS, on XX/XX/2020, I sent them a letter, attached is the previous letter I mail to them for your reference. On my letter, I stated that I disagree with the offset of my refund of taxes, wrote them that I have called the number provided on the letter they sent me, to the Requesting Agency and also called the IRS office in regards to this debt/bill. And neither the Requesting Agency nor IRS has an actual bill or something showing this supposedly outstanding debt that they are claiming I owe. I have asked for a copy of the bill that they claim I owe that would actually show this debt and they both have told me they have nothing to send to me showing an actual bill proving that I owe this debt. The reason is because I do not owe anything to any company nor health insurance. I really appreciate all your help and assistance with this matter.
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| 07/27/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
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Web |
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The representatives of XXXX XXXX XXXX have been calling me repeatedly about debt that belongs to my brother and my father.
I am not associated with the debt nor do I have any student loan debt but this is the second attempt to talk to compliance at XXXX and now FAMS where they continue to call me.
It's causing me an unreasonable amount of anxiety because I am getting repeated calls on my personal cell phone number while I am at work.
The real issue is that they are breaking state and federal laws re practices they are allowed to use to collect debt. I also know they have tried to call other family trying to recover the debt that none of these family members are responsible for.
I actually have XXXX dollars in student debt which makes this situation even worse.
XXXX XXXX XXXX is at XXXX, and I spoke to XXXX XXXX at XXXX.
I'm interested in how to stop this agregious practice period for me and all my family unassociated with this debt.
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| 09/12/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
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XXXX hired Financial Asset Management Systems to Collect on a private student loan. Financial Asset Management Systems has repeatedly used deceitful collection practices to try and collect on the debt. I called Financial Asset Management Systems today to make a payment, they proceeded to ask me to update my address with them. I told the person no i just want to make a monthly payment of {$250.00} as I have been doing since XXXX 2015. They then transferred me to their " credit card processing '' line, and they proceeded to ask for my address again which they had never done before when I had made a payment. The intent of asking for my address again had nothing to do with processing a payment, the intent was to deceitfully try an collect and updated address. This is deceitful collection practices under the Fair Debt Collection Practices Act. XXXX has repeatedly hired these unscrupulous and deceitful debt collectors to collect on their debts.
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| 01/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XX/XX/2021 @ XXXX Get multiple calls the last few weeks from a potential spam number every day. Finally answered it. They immediately ask me to provide a bunch of personal information for an " important financial business matter ''. They won't tell me what it is for unless I provide them with my personal information.
After pressing the person, I did get a phone number and address that they were calling from, which links to FINANCIAL ASSET MANAGEMENT SYSTEMS , INC in XXXX, GA.
( XXXX ) XXXX I'm assuming they are either trying to defraud me, or trying to collect bad debt from my former mother in law. Unfortunately I get pesky callers saying I was put down as a reference for her bad debt and must pay on her behalf.
I asked to be removed from all further contact if they won't tell me why they are calling me. They stated they will keep trying to call me until I provide them with my personal details.
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| 03/30/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
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Web |
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In XXXX I got a letter from FAMS Collection Agency stating that i owe an hospital bill for the year of 2013, that year my state tax refund was taken by FAMS {$290.00}. I mailed a copy of my insurance card once I revived the letter. My hospital bill was paid in XX/XX/XXXX by my health insurance. When i filed my XXXX taxes in XXXX FAMS put another hold on my taxes stating that i owe a debt which is incorrect. I had to resubmit the documents again via email to them and my funds was released in XX/XX/XXXX. I am going through the same thing this year for my XXXX taxes that was filed in XXXX, they keep sending letters to New Jersey XXXX XXXX stating i owe a debt when the debt was cleared 2 years ago. At this point is is fraud because if i would not send the email every year they would have kept my funds. Also it take almost half a year for me to receive the funds that they should not have been holding.
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| 08/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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Me XXXX XXXX XXXX XXXX and my daughter ( XXXX XXXX XXXX s state taxes have been intercepted by XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX collection agency, Financial Asset Management Systems INC ( FAMS ), addressed at XXXX XXXX, XXXX, GA XXXX # XXXX. The year of XXXX, XXXX XXXX started making {$25.00} payments and was able to get the original bill amount of {$1800.00} down to XXXX. XXXX XXXX then paid the remainder balance of {$1200.00} on XX/XX/XXXX because FAMS stated that we would receive all back pay of State Taxes they confiscated from both of us. We never received anything. This as been a long drawn out process that should have never happened. Theres also 2 different account numbers on one account which shouldnt be. Acct # XXXX ( {$1800.00} ) and Acct # XXXX ( {$1200.00} ). We both are due a refund because they have been overpaid. Please help. Thank you in advance.
XXXX XXXX XXXX XXXX
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| 05/14/2015 |
Yes |
- Student loan
- Non-federal student loan
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- Dealing with my lender or servicer
- Keep getting calls about my loan
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Web |
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I filed and got a chapter XXXX discharge in XXXX 2011, XXXX of my creditors was XXXX XXXX for a career loan through a non credited school, which was included in the Bankruptcy. I have started to get calls from XXXX XXXX XXXX systems of XXXX, Ohio as of XXXX XXXX that my career loan was not qualified for XXXX. And I have to pay the full amount. After XXXX years? I have contacted the XXXX XXXX loans and confirmed the loan is not a Federal Student loan. This loan was a signature loan for {$50000.00} and now the XXXX party collection company is claiming I owe {$12000.00}. Looking for help to resolve this as I was under the assumption this was discharged as well. Under IRS policy this is not qualified as an student loan.The collection company has called my family members and stated this is an attempt to collect a debt ( why are they sharing private information with family and friends )?
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| 04/23/2015 |
Yes |
- Debt collection
- Federal student loan
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- Communication tactics
- Frequent or repeated calls
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Web |
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My day began here at work on Tuesday XXXX XXXX, 2015. I got a call where I work not sure at what time exactly but it was an early part of my day. The receptionist contacted me and said it was an emergency call with urgency, making me think XXXX of my family members were in trouble or something. I get to a phone to take the call and it was a solicitor debt collection agency contacting me about my matter. I went over details with them to acknowledge my debt and all. After I concluded with them all while I 'm still at work. They follow up with me next day the XXXX and I 'm at work busy but they just expect me to go out of my way and drop everything to go over my debt again. Persistent as it seems I walk by the receptionist desk and they mention they keep calling where I work not exaggerating but XXXX times. As pursuant as possible those calls continue on.
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| 10/24/2019 |
Yes |
- Debt collection
- Private student loan debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Financial Asset Management System contacted me in XX/XX/XXXX with a letter stating that I owe more than {$2000.00} for a student loan that originated with the University XXXX XXXX XXXX in XXXX.
I had previously paid this loan in full to XXXX XXXX XXXX over a period of several months, with the final payment in XX/XX/XXXX.
I called FAMS and let them know there had been a mistake. The Customer Service person I spoke with said this is not unusual -- that XXXX had sold a loan to her company that we had already paid. She asked me to forward the documentation I had to the client services team and her supervisor. I did so and also filed a dispute with XXXX.
Today I was informed my dispute was denied. I can not get a response from FAMS. I did however recently receive a second collection letter from them.
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| 12/26/2017 |
Yes |
- Debt collection
- Federal student loan debt
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- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
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Web |
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Collection Company : Financial Asset Management Systems Inc.
Website : XXXX Amount : XXXX Date on Notice : XXXX/XXXX/XXXX A company by the name of Financial Asset Management Systems Inc. has sent an order of wage withholding to my employer on a debt that is past the statute of limitations in the state where I reside and the state where the debt was originally incurred.
I am a resident of Kansas which has a 3 year limit on how long a company can attempt to use legal means to collect a debt. The last payment made on this debt was in XXXX.
I have informed the company in writing and over the phone of this and also informed them not to call my place of employment.
They continued to call my place of employment and today I received the notice of wage withholding.
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| 09/21/2018 |
Yes |
- Debt collection
- Private student loan debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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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.
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| 04/08/2017 |
Yes |
- Debt collection
- Non-federal student loan
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX hired Financial Asset Management Systems to collect on a student loan. Financial Asset Management Systems ( FAMS ) continues to miscount the amount of payments that I have made. I have been paying FAMS for over 2 years, {$250.00} per month. They have repeatedly misapplied my payments or not applied all of my payments. They are flagrantly violating the Fair Debt Collections Practices Act, with their repeated misrepresentations of how much money I have paid them. FAMS is engaging in deceptive debt collection practices. In addition, FAMS and XXXX have illegally added excessive interest and fees to the account. Every time I have asked for an accurate account of the fees and interest, both FAMS and XXXX become evasive.
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| 12/04/2016 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with my lender or servicer
- Received bad information about my loan
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Web |
Servicemember |
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I was told that I had to take out loans until my GI BILL started by the schools VA rep. The VA Rep miss handled my paper work for my GI bill and was n't turned in on time. I was told the school was accredited and I could transfer, that was not the case and was forced to finish my schooling. once I graduated I found out that I owed XXXX in student loans, which was the first XXXX that the VA rep never turned in paper work for. After years of going back and forth VA told me they could not go back and pay those loans even if it was school reps fault. By the time I went back to XXXX XXXX the VA rep had been fired and no longer there for the miss handling paper work and they could do nothing to help me at the time.
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| 12/11/2015 |
Yes |
- Debt collection
- Non-federal student loan
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX hired Financial Asset Management Systems ( FAMS ) to collect on private student loans. Financial Asset Management Systems ( FAMS ) is not reporting all the payments that I have been making since XX/XX/XXXX/XX/XX/2015. I made payments in XX/XX/2015/XX/XX/2015 to FAMS which are not being reported to the balance. FAMS has illegally not reported all the payments that I have made on my account. I took a screenshot of the payments that are being reported via FAMS online payment system but they do n't reflect payments from XX/XX/XXXX/XX/XX/2015. The payment system is not reporting payments made in XXXX/XX/XX/2015 which is illegal and is a deceptive business practice and illegal debt collection practice.
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| 07/01/2015 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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Financial Asset Management Systems ( FAMS ) has continued to threaten to restart interest on my student loans which is currently at 0.01 %. FAMS has repeatedly threatened to restart interest at 8 % in order to continue to get payments from me which is an flagrant violation of the Fair Debt Collections Practices Act. FAMS has continued to threaten me that they could restart the interest to 8 % if they do n't get payment from me which is an abusive practice and violation of the Fair Debt Collection Practices Act. FAMS continues to make these threats as a coercion tactic to get money from me. These practices are flagrant violations of the Fair Debt Collections Practices Act.
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| 03/09/2022 |
Yes |
- Debt collection
- Private student loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a document from Financial Asset Management Systems. They requested that I send information about whether or not I owe the debt. I submitted documents by mail on XX/XX/XXXX to request information about the debt. The deadline was XX/XX/XXXX, which was a Sunday I have not received any written information about the debt. Further, it states that XXXX can not collect on the debt but they are trying to collect on the debt. This is concerning that this company is reaching out without having authority to collect anything. Further, it is not clear that the debt is even mine. I don't know if this belongs to me. The company 's name is Financial Asset Management Systems.
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| 08/16/2016 |
Yes |
- Debt collection
- Non-federal student loan
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- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
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A collections agency, I believe it is FAMS, has relentlessly called my mother-in-law leaving messages for her relaying that they are attempting to locate me and collect on my student loans.Yes, they have said that I owed student loans and they were a collections agency seeking to speak to me about those said loans. Sometimes they call two to three times a day and have on occasion called, left a message, and then immediately called back. My mother-in-law was never used as a reference for my private student loans, though my now late-father-in-law was. FAMS has not supplied any written documentation to provide that I owe anything to them or if I do that they own the debt.
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| 06/16/2015 |
Yes |
- Debt collection
- Non-federal student loan
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- Taking/threatening an illegal action
- Threatened to sue on too old debt
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Web |
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Financial Asset Management Systems ( FAMS ) is engaging in behavior that is in flagrant violation of the Fair Debt Collections Practices Act. I have repeatedly asked FAMS for a statement balance regarding my payments, including interest rates, collection costs, and fees. They have repeatedly ignored my requests. In addition, I called FAMS on XXXX XXXX, 2015 at XXXX XXXX EST to make a payment and the agent that I spoke with proceeded to hang up on me even though I have provided my social security number and date of birth as verification. FAMS is engaging in illegal and abusive debt collection violations which are illegal under the Fair Debt Collections Practices Act.
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| 01/07/2016 |
Yes |
- Debt collection
- Non-federal student loan
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- Improper contact or sharing of info
- Contacted me after I asked not to
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Web |
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XXXX hired Financial Asset Management Systems to collect on a debt. Financial Asset Management Systems ( FAMS ) ran my credit report at least twice in 2015. Once on XXXX XXXX, 2015, and another time on XXXX XXXX, 2015. I never gave permission to FAMS to run my credit report nor did they have a permissible purpose to run the credit report XXXX within a 6 month period. FAMS is flagrantly violating thr Fair Debt Collections Practices Act with their deceptive debt collection tactics. FAMS ' only purpose of running my credit report twice within a 6 month period was to harass and annoy in flagrant violation of the Fair Debt Collections Practices Act.
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| 02/10/2017 |
Yes |
- Debt collection
- Federal student loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
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|
Web |
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Financial Asset Management Systems sent the attached letter to the payroll department of my employer. The letter included information regarding intent to garnish my wages, and the amount of the debt FAMS is seeking to collect. They allege the debt results from a defaulted student loan, but all of my student loans were consolidated and are in good standing. I have no defaults on any loan of any type on my credit history.
FAMS has never made contact with me about this debt, the only contact I 've ever had with them is via the impermissible letter they sent my employer. The letter has caused me significant embarrassment and XXXX.
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| 04/15/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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University hospital of XXXX placed me in collectors for a accident that happened on 2008. This hospital were paid in full due to my case was with a workers compensation and I had a lawyer taking care of all my bills. In doing my taxes I received a letter stating that I owe XXXX to this hospital and they will be deducting the monies from my income taxes return. I have never ever received a letter stating that I owe this hospital however tge Monies where deducted from my income taxes refund.. This is a mistake in there part all bills where paid through my lawyer. I need my XXXX back that they took out from my income tax.
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| 08/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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Collector XXXX XXXX with XXXX XXXX contacted me, my father and my sister in law all in a matter of a few minutes. Left a voicemail for me and my sister in law stating there was allegations of fraud against me in my county 's district court. Spoke to my father and told him the same thing. The company does not have my permission to contact my family members and she has done so on numerous occasions ( XX/XX/XXXX and XX/XX/XXXX ). Only XX/XX/XXXX when she spoke to my sister in law she disclosed my personal information including my date of birth and address to her. These are violations under the Fair Credit Reporting Act.
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| 03/10/2020 |
Yes |
- Debt collection
- Private student loan debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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|
Web |
Servicemember |
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Requested a letter via mail, they refused and will only send via email which i do not feel comfortable using. I have told both associates and their supervisior that i need a letter first, also i am currently unemployed and can not pay. I have said i would love to settle but i have no income and have moved home with my family. They then told me to borrow from my family or borrow against my parents house. This is unprofessional and will not stop calling. They use very unprofessional and abusive language and will not stop! They say i am incompetent and i don't want to settle this matter which is untrue.
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| 06/17/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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A company by the name of Financial Asset Management System keeps calling me to " collect a debt '' for an XXXX ( completely different last name ) ). My first name is XXXX but the last name is completely different than my current name or my maiden name. I do not have any outstanding consumer debt. I have told them on multiple occasions that I am not that person and to take me off their list. They still call me and a similar number is also calling my minor son 's cell phone. I have checked my credit reports to see if there are any identity fraud issues and there are no red flags for that possibility.
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| 06/16/2020 |
Yes |
- Debt collection
- Private student loan debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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|
Web |
Servicemember |
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XXXX is improperly reporting an account in collection as follows : Creditor : Financial Asset Management Date Opened : XX/XX/2019 Amount Due : {$5900.00} No account was opened with them or their " Original Creditor : XXXX XXXX '' in or around XX/XX/XXXX. I have contacted XX/XX/XXXX and filed a dispute 2 or 3 times to date with no success. I have contacted " Financial Asset Management '' as well to make them aware of their error only to be berated and yelled at. The original account refers to a Student Loan with a date of first delinquency that was longer than 7 years ago.
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| 06/16/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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|
Web |
Servicemember |
|
XXXX is improperly reporting an account in collection as follows : Creditor : Financial Asset Management Date Opened : XX/XX/2019 Amount Due : {$5900.00} No account was opened with them or their " Original Creditor : XXXX XXXX '' in or around XXXX of 2019. I have contacted XXXX and filed a dispute 2 or 3 times to date with no success. I have contacted " Financial Asset Management '' as well to make them aware of their error only to be berated and yelled at. The original account refers to a Student Loan with a date of first delinquency that was longer than 7 years ago.
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| 06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Identity theft protection or other monitoring services
- Billing dispute for services
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Web |
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The company has been reporting to the New Jersey Division of Taxation that I owe money for something that is incorrect. My taxes are held every year and then released after it is established that I do not owe anyone. They now have my anchor benefit check on hold for the same reason. I want this information removed from the State of New Jersey 's Taxation Division permanently so that I can receive my check and all future checks without having to wait for a response from them. my next step will be to file a lawsuit against them for falsely sending information about me.
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| 04/21/2015 |
Yes |
- Student loan
- Non-federal student loan
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- Dealing with my lender or servicer
- Need information about my balance/terms
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|
Web |
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I went to school at XXXX XXXX XXXX in 2008. I used my XXXX XXXX XXXX XXXX XXXX XXXX that paid for school. The loan was originally with XXXX XXXX. Recently I received a letter from XXXX collection Agency trying to collect on this loan that was paid. They have put a hold on my tax refund to collect on a balance that does not match the loan amount. I believe it is out of statute for them to be even trying to collect a debt on this account. I have disputed the account requesting any paperwork that they have validating the debt and they have failed to provide evidence.
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| 05/22/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
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I recently received a letter from Financial Asset Management Systems Inc in regards to a private student loans with XXXX XXXX. I am recently dealing with collection calls everyday where they are stating they are trying to collect a debt on a student loan. I recently contacted Department XXXX who looked up all student loans under my social security number. Department XXXX did not inform me of this so call XXXX loan with XXXX XXXX. Im in need of some assistant because this particular debt collector is telling me I owe them {$11.00}, XXXX which {$2700.00} are fees.
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| 12/16/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Getting a loan
- Can't qualify for a loan
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|
Web |
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My client entered into a repayment agreement with Financial Asset Management System ( hereinafter referenced as " FAMS '' ) on behalf of XXXX. My client was in default on private student loan and he was given to understand his agreement would cure that default. This agreement was entered into on XXXX, 2014. My client is attempting to purchase a home and has a respectable credit score. However, he is being denied his loan because FAMS and/or XXXX is falsely reporting his is delinquent. This slanderous intentional misrepresentation is actively damaging my client.
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| 09/17/2015 |
Yes |
- Debt collection
- Non-federal student loan
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- Disclosure verification of debt
- Right to dispute notice not received
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|
Web |
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I have not received any mail or calls from the lender since XX/XX/XXXX when it was charged off my account. Then yesterday a collection company called my cosigner and asked for a payment of {$4000.00} toward a debt from XX/XX/XXXX of {$14000.00}. The collection company also told her that by paying {$4000.00} her financial responsibility as a cosigner would be removed. I have not received any notice of right to dispute, nor was it mentioned in my call today. As far as I was concerned this account was charged off and it does n't even appear on my credit report.
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| 05/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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|
Web |
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This bottom feeder company which purchases alleged debts for pennies on the dollar, sent me XXXX letters dated XX/XX/2022 for an alleged debt to XXXX. Regardless, the alleged debts are well past any Statute of Limitations for legal action and credit reporting. Upon receipt of this notice, immediately cease and desist all communication tactics. Further, you do not have my permission to forward this to any of your " other friends in the business ''. The letters were sent under the following reference numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
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| 09/29/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
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XX/XX/2022 at XXXX XXXX, I sent a Debt Verification letter via USPS to Financial Asset Management Systems in regards to their debt collection letter. In the Letter, I asked for them to stop calling me and provide proof of the debt that I owed. Financial Asset Management Systems never responded to my Validation letter. However, They continue to call and harass me. They have called from different phone numbers and left voice messages. They have called more than 5 times from different numbers in the last 2 months. They are predatory.
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| 07/16/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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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.
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| 05/25/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Servicemember |
|
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.
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| 09/27/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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Upon reviewing my credit report i noticed a collection from XXXX XXXX XXXX. I am not sure how that is even possible. I have never been contacted by nor have i EVER done business with XXXX XXXX XXXX. I would like to take ADVANTAGE of my right as a consumer and dispute this account. XXXX XXXX needs to remove this account until i am able to dispute and they 're able to furnish me debt validation where i agreed to do any business with them hence owing them any money.
|
| 02/09/2017 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
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A party named : XXXX XXXX of Financial Asset Management Systems repeatedly calls my home phone number. And, now, he is telephoning my place of employment. I asked him to stop calling me, but he continues to call. During his call, he will not give any information about the debt that I supposedly owe. He asks me for my social security number and my date of birth. I do not give him the details that he seeks, but he continues to telephone me at home and at work.
|
| 09/12/2017 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Today, at work, a colleague was contacted by this creditor and told it was a creditor, told them I would be arrested at work, and the colleague messaged me in a panic. I called the creditor, who could n't even find me in their system. I was forwarded to the ext I was given, and the person -- XXXX XXXX, lied to me and told me she did n't tell my coworker that. We have call recording at work, I heard it myself. This is abusive. And humiliating.
|
| 07/07/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
|
|
Financial Asset Management Systems ( FAMS ) has kept my credit cards on file even after repeatedly telling them that I do not consent to them keeping my information on file. FAMS is engaging in illegal and deceptive tactics in flagrant violation of the Fair Debt Collection Practices Act. I never consented to allow FAMS to keep any card information on file, and even after repeatedly asking them to remove the information they have not done so.
|
| 06/30/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
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
|
| 04/02/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
I received a Letter from Financial Asset Management System, XXXX XXXX. XXXX XXXX. XXXX, GA XXXX with a Contact # XXXX. Dated XX/XX/20.
CREDITOR : XXXX ID NUMBER XXXX {$1900.00}, with a PRINCIPAL {$70000.00}, OTHER CHARGES {$40.00}, TOTAL {$72000.00}. Listed on the Letter is a XXXX XXXX, Vice President of Operations @ XXXX. I have requested for the Umpteenth time to be Released as Co-signer from all Loans.
|
| 10/31/2016 |
Yes |
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
Servicemember |
|
They did not responded to a challenge validation debt request. Later after 30 days of not responding certified mail letter of cease was sent, in spite of this FAMS has continue with demanding letters of collection. Both times that I wrote FAMS was thru certified mail. I have a copy of the validation challenge request certified mail sent to FAMS and the certified mail to cease of collection.
|
| 08/20/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I came to a settlement arrangement with FAMS on XXXX/XXXX/15 and paid this debt in full on that date. I have the settlement letter stating the debt would be settled with payment and the receipt where I paid. Since then they have continued to bill me and have failed to release a judgment lien against my husbands property. They still show my account with a balance of {$9400.00}
|
| 07/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I keep getting calls all the time about debt collection. This has been going on for many years but I have just ignored the calls in the past. I have checked my credit report thoroughly and I don't have any past due debts.
The person on the phone said the company was Financial Asset Management Systems Incorporated and that his name was XXXX XXXX. The phone number was XXXX.
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| 07/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a call in reference to this debt and I informed the company that I am not aware of this and it doesn't belongs to me. I never heard of this company XXXX and never had an account with this company. They had stop sending the letters to me after the conservation, but now I am starting to receive letters and I just moved, so I don't know how they got my new address.
|
| 05/26/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Financial Asset Management Systems has been calling me non stop from about 15 different numbers for over a week. They did not leave one voicemail when they would call 4-5 times a day, so I believed they were spam or fraud. I JUST got a letter in the mail from them today, and the number on the letter is NOT one of the numbers they called me from.
|
| 12/30/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XXXX keeps repeatedly calling me. It is a recorded message they leave on my machine saying it is an attempt to collect a debt, however I do n't owe anything. When i have tried to pick up to speak to them, there is never anyone there. The last calls were on XX/XX/XXXX at XXXX, and XXXX and XXXX XXXX and on XX/XX/XXXX at XXXX and XXXX.
|
| 07/23/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
i have been XXXX the last four years and the loans went into default. A collection company has taken over. I want to start repaying the loans but they are pressuring me into signing a program that i do not understand. they are charging me {$3000.00} in interest and a {$2000.00} fee for themselves.
|
| 06/11/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
Received a call at XXXX XXXX on XXXX XXXX 2017 which woke me out of my sleep. Did n't recognize the number did n't answer. Caller ID had it as XXXX XXXX XXXX XXXX. Further investigation discovered that it was a spoof number for FAMS ( Financial Asset Management Systems ), a debt collector.
|
| 03/07/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
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}.
|
| 01/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Im not sure of dates but one was from XX/XX/XXXXone from XXXX through XXXX that i never had or did anything for, also medical bills through the med express when i had insurance through XXXX but they never paid it and added it to my account to make my credit bad.
|
| 10/20/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
15 usc 1692f. I was coerced in deceived to pay an alleged debt, which is a violation to my consumer rights. I submitted payment to a XXXX, a company I had no contract with. I submitted my dispute letter along with other documents and an invoice for my remedy
|
| 03/11/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I am willing to settle the debt at {$10000.00} under a 24 month payment plan of {$430.00} per month beginning on XXXX XXXX, 2016. I have been paying {$250.00} per month for the past 14 months. XXXX had previously offered to settle at {$15000.00}.
|
| 06/21/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
REPEATED ROBO CALLS FROM FAM ( FINANCIAL ASSET MANAGEMENT ) FROM THEIR NUMBER XXXX CLAIMING SOME DEBT REGARDING SOCIAL SECURITY YADDA YADDA. PLEASE STOP THESE SCAMMERS AND THIEVES.
|
| 05/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
THIS IS A MOBILE PHONE AND IS UNLAWFUL TO CONTINUE TO ROBO CALL THIS NUMBER AND I AM NOT AFFILIATED OR KNOW THE PERSON THEY ARE CALLING
|
| 03/03/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
Servicemember |
|
Debt collector presented bill from creditor that I have never had and bill included XXXX in interest have requested validation
|
| 08/24/2016 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I asked repeatedly for them to not call me at work gave them my cell and they still kept calling putting my job in jeopardy
|
| 08/25/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Multiple harassing, threatening calls at all times per day without any written notice or claim of purported debt owed.
|
| 01/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
These credit inquiries are unauthorized and need to be removed from my credit report immediately.
|
| 12/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They call every day XXXX/2020-XXXX/2020 I am not the original owner of this phone
|
| 02/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Credit inquiries unknow thief incorrect important information
|
| 12/20/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
|
| 11/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/28/2023 |
Yes |
- Student loan
- Private student loan
|
- Issue with income share agreement
- Payment issues
|
|
Web |
Older American |
|
|
| 10/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 10/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American |
|
|
| 07/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 06/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 01/25/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/30/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Keep getting calls about your loan
|
|
Web |
|
|
|
| 12/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/21/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American |
|
|
| 06/20/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/24/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Phone |
|
|
|
| 04/24/2022 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 03/09/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/25/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/23/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Keep getting calls about your loan
|
|
Phone |
|
|
|
| 12/04/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Older American |
|
|
| 09/09/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 07/06/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 01/22/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 10/03/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/06/2020 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 05/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Postal mail |
|
|
|
| 02/12/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Servicemember |
|
|
| 01/13/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Phone |
|
|
|
| 12/13/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Keep getting calls about your loan
|
|
Phone |
|
|
|
| 11/27/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/01/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/28/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 05/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 05/08/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 04/04/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 12/03/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 10/31/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 09/12/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 09/11/2018 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
|
| 04/24/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 03/16/2018 |
Yes |
- Student loan
- Private student loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Postal mail |
|
|
|
| 02/12/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/05/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Postal mail |
|
|
|
| 12/06/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 07/01/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Keep getting calls about your loan
|
|
Web |
|
|
|
| 05/23/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
|
| 05/18/2017 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 04/27/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Postal mail |
|
|
|
| 03/18/2017 |
Yes |
- Debt collection
- Federal student loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 03/01/2017 |
Yes |
- Other financial service
- Debt settlement
|
|
|
Phone |
|
|
|
| 02/10/2017 |
Yes |
- Debt collection
- Federal student loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/10/2017 |
Yes |
|
- Communication tactics
- Called after sent written cease of comm
|
|
Postal mail |
Older American |
|
|
| 12/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 11/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 11/06/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 10/18/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
|
| 09/08/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
|
| 08/26/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 07/22/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Referral |
|
|
|
| 07/14/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
|
| 06/03/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Threatened to take legal action
|
|
Referral |
|
|
|
| 05/11/2016 |
Yes |
- Debt collection
- Federal student loan
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 04/12/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Keep getting calls about my loan
|
|
Web |
|
|
|
| 04/05/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
|
| 04/01/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Keep getting calls about my loan
|
|
Web |
|
|
|
| 01/13/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/18/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Keep getting calls about my loan
|
|
Web |
|
|
|
| 11/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 11/03/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Phone |
|
|
|
| 11/02/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/16/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Phone |
|
|
|
| 09/01/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Keep getting calls about my loan
|
|
Web |
|
|
|
| 08/01/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 07/23/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 07/22/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 06/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 06/12/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Keep getting calls about my loan
|
|
Web |
|
|
|
| 06/10/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 06/05/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 06/04/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 03/24/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 03/16/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/12/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Postal mail |
Older American |
|
|
| 03/10/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/25/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 01/14/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
|
| 01/13/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/10/2015 |
Yes |
|
- Improper use of my credit report
- Report improperly shared by CRC
|
|
Web |
|
|
|
| 12/19/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
|
| 12/10/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Phone |
Servicemember |
|
|
| 12/07/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/14/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Referral |
|
|
|
| 10/30/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 10/30/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 10/23/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Phone |
|
|
|
| 10/07/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Need information about my balance/terms
|
|
Web |
|
|
|
| 09/29/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Referral |
|
|
|
| 09/25/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Keep getting calls about my loan
|
|
Web |
|
|
|
| 09/24/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Postal mail |
|
|
|
| 09/24/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American, Servicemember |
|
|
| 07/18/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/01/2014 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/21/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/05/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 06/03/2014 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 05/22/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/13/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/06/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 04/24/2014 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 04/14/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
Servicemember |
|
|
| 04/14/2014 |
Yes |
|
- Incorrect information on credit report
- Reinserted previously deleted info
|
|
Web |
Servicemember |
|
|
| 04/02/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/28/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 03/28/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 03/19/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/18/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 02/11/2014 |
Yes |
- Debt collection
- Federal student loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/23/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 01/10/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/06/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/22/2013 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/11/2013 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Older American, Servicemember |
|
|
| 10/28/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 10/22/2013 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 10/16/2013 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 08/12/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|