Financial Asset Management Systems

March 23, Dispute Resolution Department Revdex.com StLouis, MO Re: [redacted] ( [redacted] ) Case ID: [redacted] To Whom It May Concern, This communication is in response to the complaint filed March 3, with the Revdex.com of StLouisThe 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 plansI 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 thingsTalked to the compliance director and was hoping to get a resolution and was just transferred to another manager to deal with in the futureI was told my claims had validity but no one would explain to me what was found after listening to the phone callsSo 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***’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 themNo one should be made to feel this way.” (sic) Upon review of our records, on November 6, 2016, [redacted] placed Ms***’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 balanceMs [redacted] agreed to a settlement of $3,740.00, consisting of payments of $on January 24, 2017, $1,on February 24, then $on the last Friday of each month thereafter until the settlement is satisfied, by March 2, This arrangement was approved by the client, [redacted] On February 24, 2017, a FAMS Collection Manager contacted Ms [redacted] regarding her $1,payment and was advised the funds were not yet availableIt was suggested to Ms [redacted] that the payment could be processed by check on February 28, to allow time for the funds to become available in her bank accountA return call was requested on February 28, to solidify that arrangement On February 28, 2017, a FAMS Collection Manager contacted Ms [redacted] regarding her $1,payment, at which time she agreed to process the payment through her checking accountMs [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***’s call and discussed her concerns with herAt 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 neededMs [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 withMs [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 causedShould Mr [redacted] need any further assistance, please contact me directly at [redacted] Respectfully, [redacted] Director of Compliance Hours: Monday through Friday AM to PM EST [redacted] FAMS is a debt collection agencyThis 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 lawThis is not a complete list of rights by stateIf 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 a.mor after p.m They may not harass you by using threats of violence or arrest or by using obscene language Collectors may not use 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.CFMA consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumerA 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 debtIn-State Office: SJackson Street, Suite 900, Denver, CO 80210; telephone number: 1-720-287- 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 employmentAny 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 requestYou may terminate this request by writing to the debt collectorWE ARE REQUIRED BY REGULATION OF THE MASSACHUSETTS ATTORNEY GENERAL TO NOTIFY YOU OF THE FOLLOWING INFORMATIONTHIS INFORMATION IS NOT LEGAL ADVICE: THIS DEBT MAY BE TOO OLD FOR YOU TO BE SUED ON IT IN COURTIF IT IS TOO OLD, YOU CANNOT BE REQUIRED TO PAY IT THROUGH A LAWSUITTAKE 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 DEBTWHILE 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 and Debt collectors, in accordance with the Fair Debt Collection Practices Act, U.S.C§ 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 harassIf 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: Supplemental security income, (SSI); Social security; Public assistance (welfare); Spousal support, maintenance (alimony) or child support; Unemployment benefits; Disability benefits; Workers’ compensation benefits; Public or private pensions; Veterans’ benefits; Federal student loans, federal student grants, and federal work study funds; and Ninety percent of your wages or salary earned in the last sixty days North Carolina: North Carolina Department of Insurance Permit Numbers and 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, USC1681c: The law limits how long you can be sued on a debtBecause of the age of your debt, the creditor shown on the front of this notice cannot sue you for itIf 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 unpaidIf your debt is past the date for obsolescence provided for in Section 605(a) of the Fair Credit Reporting Act, USC1681c: The law limits how long you can be sued on a debtBecause 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] ***

Complaint: [redacted] I am rejecting this response because:FAMS mentions in their response that 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 *** I n3vereceived 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 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 addressThe FAMS representative provided you with the dates of service and doctors names pertaining to the debt per EmoryAdditionally, 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 reviewBecause you authorized correspondence via email, this notice was sent via email and not USPS mailThis 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 debtYou advised the representative about the previous conversation when you updated your address and stated you had not received a letter yetYou declined repayment until you received a letter On November 8, 2017, a FAMS representative contacted you to discuss repayment of the debtYou 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 $was received on November 8, A second online payment for $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 call attempts made to one phone number of 404-644-between September 25, through November 8, at varying times of the dayThere was one instance where two calls were made on the same day of September 27, All of the other calls were placed on different days FAMS does not report to any credit bureausYou 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 $at this timeFAMS 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 causedShould you 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] Tell us why here

Initial Business Response / [redacted] (1000, 7, 2016/02/05) */ February 4, 2016, https://stlouis.app.Revdex.com.org/complaint/view/XXXXXXX/b/26bc2f Dispute Resolution Department Revdex.com NBroadway, Ste Saint Louis, MO XXXXX Re: Mr [redacted] Dear Dispute Resolution Department This communication is in response to the complaint filed January 25, with the Revdex.com of MissouriThe 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, 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 matterIf 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: AM to 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