Financial Asset Management Systems Inc

To Whom It May Concern, This communication is in response to the complaint filed October 5, with the Revdex.com of Saint LouisThe following complaint was reported to Financial Asset Management Systems, Inc(FAMS): Consumer stated “We have been getting calls at
the number I listed for at least years your company or other collection agencies trying to get in touch with a " *** ***" We have told you over and over and over, there is no such person at this number, no relative we have no idea who "*** ***" isWe have been harassed at dinner time, holidays, or when we have guestsI talked to *** *** this evening and she assured me " *** ***" number would be taken out of the system as belonging at this phone numberI have been told this before and I am fed upIt would seem to me in this day and age of technology you would have a better way to track your debtors down without harassing innocent partiesI want you to get rid of this persons linked with this phone number and I want it done permanentlyJust because we have the same last name does not mean we know her*** years now, you need to get this right!!!!!!!!!!!!!!.” (sic) Ms*** desired resolution was “No further contact by the businessTAKE OUR PHONE NUMBER OFF OF THIS "*** ***" ACCOUNTIF I GET ONE MORE CALL I WILL TAKE FURTHER ACTION SINCE I NOW HAVE IN WRITING THAT I NOTIFIED YOUI DON'T CARE WHAT HAPPENS TO THIS PERSON I DON'T KNOW HER, NEVER DID, NEVER LIVED HEREDO IT !!!!!!!!!!!!.” (sic) Upon review of our records, Ms*** phone number *** was attempted as a possible contact number for *** ***Per the contact made on October 4, 2016, the FAMS representative was advised that this was a wrong number for *** *** and the phone number was placed on FAMS internal Do Not Call listMs*** will not receive any future calls from our company at this number I apologize for any inconvenience this may have causedShould Ms*** need any further assistance, please contact me directly at *** Respectfully, *** ** *** Director of Compliance Hours: Monday through Friday * AM to PM EST ***

Upon review of your additional concerns, FAMS is not required to leave a message when attempting to contact you by phone As you have stated, any discrepancies with your address being incorrect were the result of an issue with *** and/or the communication between *** and yourselfFAMS has satisfied our obligation of sending an initial validation notice both to the incorrect address provided by *** and the updated email address provided by youOur records indicate an email notification was sent on November 4, to ***@gmail.com, which is the email address you provided to FAMS on November 1, FAMS is unable address circumstances out of our control if the email went to your “spam” or “junk” folder I apologize for any inconvenience this may have causedShould you have any additional questions, please contact me directly at *** Best Regards, *** *** Director of Compliance Hours: Mon-Fri: 8:AM to 5:PM EST *** Tell us why here

Upon review of our records, on September 22, 2017, [redacted] placed your account in FAMS’ office in an attempt to collect the outstanding balance.   On November 1, 2017, a FAMS representative contacted you to advise you of the debt owed, at which time you updated your address...

that was provided to FAMS by the client, Emory, and provided an email address. The FAMS representative provided you with the dates of service and doctors names pertaining to the debt per Emory. Additionally, she offered the suggestion for you to log on to Emory’s patient portal and to contact your insurance for additional information.   On November 4, 2017, the validation notice was emailed to you to the email address you provided for your review. Because you authorized correspondence via email, this notice was sent via email and not USPS mail. This notification advises you that your account has been placed with FAMS, the original creditor, the balance owed as well as your right to dispute the debt.   On November 6, 2017, a FAMS representative contacted you to discuss repayment of the debt. You advised the representative about the previous conversation when you updated your address and stated you had not received a letter yet. You declined repayment until you received a letter.   On November 8, 2017, a FAMS representative contacted you to discuss repayment of the debt. You stated you still had not received a letter and declined to make a payment over the phone, at which time the representative provided you with the information needed to make a payment online.   An online payment for $25.00 was received on November 8, 2017. A second online payment for $99.30 was received on November 16, 2017, paying the balance off in full.   In an effort to educate you about the outstanding balance owed, there were a total of 23 call attempts made to one phone number of 404-644-1569 between September 25, 2017 through November 8, 2017 at varying times of the day. There was one instance where two calls were made on the same day of September 27, 2017. All of the other calls were placed on different days.   FAMS does not report to any credit bureaus. You may choose to contact [redacted] directly to discuss any effect your delinquent bill may or may not have on your credit rating.   Please consider this correspondence verification that the balance reflected for [redacted] Client ID [redacted] is $0.00 at this time. FAMS has taken the liberty to request that [redacted] forward you verification of the debt in question as well to your address on file.   I apologize for any inconvenience this may have caused. Should you have any additional questions, please contact me directly at [redacted].   Best Regards, [redacted] Director of Compliance Hours: Mon-Fri: 8:30 AM to 5:30 PM EST [redacted] Tell us why here...

Complaint: [redacted]
I am rejecting this response because:FAMS mentions in their response that 23 attempts were made to contact me between SePtember and November.  The calls appeared on my phone as coming from an “866” number.  Like many other consumers I have been barraged by robo calls which also generally appear as coming from an “866” number.  Had FAMS left a message I would have returned 5he call immediately.  As soon as I knew this was an issue I answered all calls from “866” numbers coming to my phone ... most were from solicitors not FAMS.I don’t agree with how [redacted] or FAMS handled this situation.  Again, this issue was caused by an error on the part of [redacted].  I n3ve4 received an email from FAMS ... maybe, it went into the junk mail folder but it did not come to my inbox.  It’s difficult for me to pay a bill that I don’t receive.
Sincerely,
[redacted]

Upon review of our records, on February 14, 2017, the State of New Jersey University Hospitals placed Ms. [redacted]’s defaulted loan(s) in FAMS’ office in an attempt to obtain the outstanding balance.   On April 26, 2017, Ms. [redacted] contacted a FAMS representative to inquire on the status...

of her account. At that time, she was advised that the State of New Jersey must review her dispute and make a determination. Any further information from the State of New Jersey would be forwarded to Ms. [redacted] as it became available.   On May 1, 2017, Ms. [redacted] contacted a FAMS representative to inquire on the status of her account. At that time, she was advised that the State of New Jersey must review her dispute and make a determination. Any further information from the State of New Jersey would be forwarded to Ms. [redacted] as it became available. Per her request, she was provided the State of New Jersey’s phone number to contact them directly with any questions.   On May 30, 2017, Ms. [redacted] contacted a FAMS representative to inquire on the status of her account. Because the account was in a disputed status, the representative had to gain access to her account. Per the recommendation of the representative, Ms. [redacted] resent her email to our office for review with supporting insurance documentation.   Once supporting documentation is received on a disputed account, that information must be forwarded to the client for review. The State of New Jersey Department of Revenue has held any tax returns Ms. [redacted] is referencing to be applied to the debt, not FAMS; therefore, it is at the State of New Jersey’s discretion to release those funds back to her.   Once the State of New Jersey has made a determination, will be happy to advise her of the updates as quickly as possible.   Should you or Ms. [redacted] have any additional questions, please contact me directly at [redacted].     Best Regards,   [redacted] Director of Compliance Hours: Mon-Fri: 8 AM to 5 PM EST [redacted]

March 23, 2017   Dispute Resolution Department Revdex.com St. Louis, MO   Re:                   [redacted]) Case ID:          [redacted]...

  To Whom It May Concern,   This communication is in response to the complaint filed March 3, 2017 with the Revdex.com of St. Louis. The following complaint was reported to Financial Asset Management Systems, Inc. (FAMS) via mail received on March 14, 2017:   Consumer stated “I was contacted and the rep was extremely rude and lied to get money from me and set up payment plans. I was then called many times for no reason and then told I didn’t know what I was talking about because I was never told certain things. Talked to the compliance director and was hoping to get a resolution and was just transferred to another manager to deal with in the future. I was told my claims had validity but no one would explain to me what was found after listening to the phone calls. So obviously I was correct about something but lord forbid someone explain it to me and say how they have been harassing me with phone calls.” (sic)   Ms. [redacted]’s desired resolution was “I will also be contacting the Attorney Generals office again now that I know I was validated in some way and I will file anything I need to order to show them this is not right! I will definitely be looking into getting my payments reversed and the settlement paid by them. No one should be made to feel this way.” (sic) Upon review of our records, on November 6, 2016, [redacted] placed Ms. [redacted]’s ([redacted]’s) defaulted student loan(s) in FAMS’ office in an attempt to obtain the outstanding balance.   On January 24, 2017, a FAMS representative contacted Ms. [redacted] to advise her of the outstanding balance. Ms. [redacted] agreed to a settlement of $3,740.00, consisting of payments of $100.00 on January 24, 2017, $1,000.00 on February 24, 2017 then $220.00 on the last Friday of each month thereafter until the settlement is satisfied, by March 2, 2018. This arrangement was approved by the client, [redacted].   On February 24, 2017, a FAMS Collection Manager contacted Ms. [redacted] regarding her $1,000.00 payment and was advised the funds were not yet available. It was suggested to Ms. [redacted] that the payment could be processed by check on February 28, 2017 to allow time for the funds to become available in her bank account. A return call was requested on February 28, 2017 to solidify that arrangement.   On February 28, 2017, a FAMS Collection Manager contacted Ms. [redacted] regarding her $1,000.00 payment, at which time she agreed to process the payment through her checking account. Ms. [redacted] became agitated with the manager and requested to speak with her supervisor, at which time she left a message.   On February 28, 2017, FAMS Director of Compliance, returned Ms. [redacted]’s call and discussed her concerns with her. At this time, she was advised that the account would be reviewed and she would be called back.   On March 3, 2017, FAMS Director of Compliance called Ms. [redacted] back to advise that the account was reviewed and her concerns will be addressed as needed. Ms. [redacted] was provided direct contact information for the Director of Compliance and a Collection Manager, as two points of contact within the company, as she requested no further communication with the previous two representatives she spoke with. Ms. [redacted] was also advised she will be contacted by the Director of Compliance or Collection Manager or she is welcome to call in on the scheduled dates of her remaining payments to process those with her over the phone and satisfy her settlement agreement.   I apologize for any inconvenience this may have caused. Should Mr. [redacted] need any further assistance, please contact me directly at [redacted].   Respectfully,   [redacted] Director of Compliance Hours:             Monday through Friday 8 AM to 6 PM EST [redacted]         FAMS 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.                       Required State Notices: We are required to provide the following information under state law. This is not a complete list of rights by state. If you do not reside in one of these states, you still may have the same or similar rights under state or federal law.   California: The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 a.m. or after 9 p.m.  They may not harass you by using threats of violence or arrest or by using obscene language.  Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work.  For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt.  Collectors may contact another person to confirm your location or enforce a judgment.  For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov.  As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit-reporting agency if you fail to fulfill the terms of your credit obligations.    Colorado: FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.AGO.STATE.CO.US/CADC/CADCMAIN.CFM. A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer. A written request to cease communication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collect the debt. In-State Office:  1776 S. Jackson Street, Suite 900, Denver, CO 80210; telephone number: 1-720-287-8658.   Massachusetts Residents: NOTICE OF IMPORTANT RIGHTS: You have the right to make a written or oral request that telephone calls regarding your debt not be made to you at your place of employment. Any such oral request will be valid for only ten days unless you provide written confirmation of the request postmarked or delivered within seven days of such request. You may terminate this request by writing to the debt collector. WE ARE REQUIRED BY REGULATION OF THE MASSACHUSETTS ATTORNEY GENERAL TO NOTIFY YOU OF THE FOLLOWING INFORMATION. THIS INFORMATION IS NOT LEGAL ADVICE: THIS DEBT MAY BE TOO OLD FOR YOU TO BE SUED ON IT IN COURT. IF IT IS TOO OLD, YOU CANNOT BE REQUIRED TO PAY IT THROUGH A LAWSUIT. TAKE NOTE: YOU CAN RENEW THE DEBT AND THE STATUTE OF LIMITATIONS FOR THE FILING OF A LAWSUIT AGAINST YOU IF YOU DO ANY OF THE FOLLOWING: MAKE ANY PAYMENT ON THE DEBT; SIGN A PAPER IN WHICH YOU ADMIT THAT YOU OWE THE DEBT OR IN WHICH YOU MAKE A NEW PROMISE TO PAY; SIGN A PAPER IN WHICH YOU GIVE UP OR WAIVE YOUR RIGHT TO STOP THE CREDITOR FROM SUING YOU IN COURT TO COLLECT THE DEBT. WHILE THIS DEBT MAY NOT BE ENFORCEABLE THROUGH A LAWSUIT, IT MAY STILL AFFECT YOUR ABILITY TO OBTAIN CREDIT OR AFFECT YOUR CREDIT SCORE OR RATING.   Minnesota: This collection agency is licensed by the Minnesota Department of Commerce.   New York City: New York City Department of Consumer Affairs License Numbers 0976591 and 1261806. Debt collectors, in accordance with the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., are prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to: a) the use or threat of violence; b) the use of obscene or profane language; and c) repeated phone calls made with the intent to annoy, abuse, or harass. If a creditor or debt collector receives a money judgment against you in court, state and federal laws may prevent the following types of income from being taken to pay the debt: 1. Supplemental security income, (SSI); 2. Social security; 3. Public assistance (welfare); 4. Spousal support, maintenance (alimony) or child support; 5. Unemployment benefits; 6. Disability benefits; 7. Workers’ compensation benefits; 8. Public or private pensions; 9. Veterans’ benefits; 10. Federal student loans, federal student grants, and federal work study funds; and 11. Ninety percent of your wages or salary earned in the last sixty days.   North Carolina: North Carolina Department of Insurance Permit Numbers 4474 and 100864.   Tennessee: This collection agency is licensed by the Collection Service Board, State Department of Commerce and Insurance.   Utah: As required by Utah law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit-reporting agency if you fail to fulfill the terms of your credit obligations.   West Virginia: If your debt is not past the date for obsolescence provided for in Section 605(a) of the Fair Credit Reporting Act, 15 U. S. C. 1681c: The law limits how long you can be sued on a debt. Because of the age of your debt, the creditor shown on the front of this notice cannot sue you for it. If you do not pay the debt, the creditor shown on the front of this notice may report or continue to report it to the credit reporting agencies as unpaid. If your debt is past the date for obsolescence provided for in Section 605(a) of the Fair Credit Reporting Act, 15 U. S. C. 1681c: The law limits how long you can be sued on a debt. Because of the age of your debt, the creditor shown on the front of this notice cannot sue you for it and the creditor shown on the front of this notice cannot report it to any credit reporting agencies.   Wisconsin: This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions, www.wdfi.org.          Hours:                  Hours of operation for the office servicing your account are on the front of this notice.   FAMS Branches:      [redacted]; Hours EST [redacted]; Hours CST    Corporate Office:      [redacted]

Initial Business Response /* (1000, 7, 2016/02/05) */
February 4, 2016,
https://stlouis.app.Revdex.com.org/complaint/view/XXXXXXX/b/26bc2f1213
Dispute Resolution Department
Revdex.com
211 N. Broadway, Ste. 2060
Saint Louis, MO XXXXX
Re: Mr. [redacted]
Dear Dispute...

Resolution Department
This communication is in response to the complaint filed January 25, 2016 with the Revdex.com of Missouri. The following complaint was reported to Financial Asset Management Systems, Inc. (FAMS):
Borrower stated "I have received numerous calls trying to collect from someone I do not know or ever heard of.
It has cost me time and money.
Done.
I desire coverage of expenses and an apology? Remove me from contact list. " (sic)
Upon review of our records, Mr. [redacted]'s contact information was associated with an account placed in FAMS' office on January 3, 2016.
On January 6, 2016, upon notification that the contact information was not associated with the individual which FAMS was attempting to contact, Mr. [redacted]'s information was removed from FAMS' system to prevent any further attempts at contact by FAMS.
We apologize for the inconvenience that Mr. [redacted] was caused by this matter. If FAMS may provide Mr. [redacted] with any additional assistance, he may feel free to contact me directly at XXX-XXX-XXXX.
Very truly yours,
[redacted]
Compliance Manager
Hours: Mon-Fri: 8 AM to 5 PM
XXX-XXX-XXXX
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.