866-814-2520

Keeps calling, doesn't leave voicemail. I answered once and got no response.

They have called 3 or more times daily.  Never leave a message.

Called, didn't answer as I don't answer numbers I don't know and no voicemail.

Received a call, rarely answer these calls but decided to this time. Male said "Hello" after I answered and disconnected.

Called this number back after receiving multiple missed calls from them. Claims they are Sam's Debt Collection Agency and they got my school loan from Navient. They want a down payment on a settlement. But I'm not sure if this is a real agency or a scam. I do have school loans through this company that I am behind on. If anyone has any information on this company or number I would greatly appreciate it.

Multiple calls from this number regarding student loans. Do not fall for it. They have no affiliation. Scammers

I’m going to say that is a scam. The agency that works with Navient is called FAMS and when they call they leave messages.

I have been receiving daily calls from this number also.  Never a voice mail left for me.  I don'[t answer it because they call during work hours and I can not answer my phone while working.  I am glad to see others have this same experience and reported it.

This number is from FAMS, a debt collection agency specializing in collections for student loans, among other things. If you're receiving a call, it's because you have either defaulted on your loans long enough for them to be sent to collections, or someone in your family has. They called me looking for my brother.

Called and my answering machine picked up. The recording...left on my answering said...robot...Please hold on....then music plays...robot comes back on saying same thing...more music then it hangs up.
I have no student loans or outstanding debts. Must be a scammer.

This # called my work line and I have no school debts.  i didnt even work in this state or this place when i did have school loans.  not sure how they got my work #.  Also no VM.

this # just called my work # again.  WTF!

calls repeatedly daily, leaves empty/ blank three second messages, i have no idea who this is as they have never spoken a word.

Rule #1- NEVER TALK TO DEBT COLLECTORS! EVER!, Instead, work directly with your lender or just wait for it to drop off your credit report after 7 yrs. But NEVER deal with debt collectors....negotiate a payment plan directly with your lender
Rule #2- When i doubt, refer back to rule #1

Navient does sell debt to collections agency, if they were legit you would be getting mail from them too. Ignore and block them if you can.

It's a scam. I have student loans that have been forgiven through a special program, all very well documented. If you have concerns about your student loans contact your actual servicer, use written correspondence, and whatever you do do NOT answer or call this number.

Calls repeatedly. No message. No person responds when answered. My student loans are done and well documented. Nothing legitimate to call about. Scam.

Personal student loans DO NOT disappear after the statute of limitations ends,  4 to 7 years for regular debt depending on your state,  they are like herpes and relentlessly keeps coming back year after year.

Financial Asset Management Systems (FAMS) calling about a defaulted student loans.

You will need to send them a certified, return receipt debt validation (by law they have to go back to the original creditor to prove you owe the debt), cease and desist calling, or "not me" letter (this will be the best money that you have ever invested).  Also send it first class mail in case no one will sign for it.  Make a notation of that fact at the bottom of the letter.  You also need to report them to the proper agencies to which I have provided links to.  Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment.  If everyone did these three things, these crooks would be bankrupt, and we would all be the richer for it.  Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front):  http://www.consumeradvocates.org/
http://www.consumeradvocates.org/find-an-atto ... tates_value=All

Everything else you need to know follows including at least two or more federal and state agencies where you should report their criminal activities.

FINANCIAL ASSET MANAGEMENT SYSTEMS, INC.

Web site says they are in Georgia, world’s #2 capital for criminals pretending to be debt collectors:  https://www.famspayonline.net/contact-us/index.php

BBB gives them an accredited B+ with 16 complaints (BBB removed 36 complaints) and 5 negative reviews as of 12/27/19:  http://www.bbb.org/atlanta/business-reviews/c ... n-tucker-ga-595

Bloomberg lists the head criminals:  http://www.bloomberg.com/research/stocks/priv ... ivcapId=4497045
Looks like they were sued-many times:  http://www.law360.com/cases/55d23637352ce933c2000004/dockets
https://dockets.justia.com/docket/florida/flmdce/6:2015cv00356/307973
https://dockets.justia.com/docket/texas/txsdce/4:2008cv02189/593182/
https://pacermonitor.com/public/case/8759207/ ... nt_Systems,_Inc
https://dockets.justia.com/docket/california/casdce/3:2015cv01502/479262
http://www.gpo.gov/fdsys/pkg/USCOURTS-mnd-0_11-cv-00584
http://www.plainsite.org/dockets/2ma8p7vg3/ge ... nt-systems-inc/
https://www.law360.com/cases/55074b4086303431a0000002
https://www.pacermonitor.com/public/case/9051 ... TEMS,_INC_et_al
https://casetext.com/case/lising-v-financial-asset-management-systems
http://www.leagle.com/decision/In%20FDCO%2020 ... 0SYSTEMS,%20INC.

This is the name of the company that owns them:  http://www.americancapital.com/our-portfolio/ ... ent-systems-inc
After you get past the first few paid for glowing reports, the true company shows itself:  http://www.indeed.com/cmp/Financial-Asset-Man ... ews?fcountry=US
Looks like they have a Dept. of Education contract: https://studentaid.ed.gov/sa/sites/default/fi ... aseContract.pdf
Georgia Dept. of State info:
Business Name:    FINANCIAL ASSET MANAGEMENT SYSTEMS, INC.    Control Number:    K321089
Business Type:    Domestic Profit Corporation    Business Status:    Active/Compliance
Business Purpose:
Principal Office Address:    1967 Lakeside Parkway, Suite 402, Tucker, GA, 30084    Date of Formation / Registration Date:    8/20/1993
State of Formation:    Georgia    Last Annual Registration Year:    2015

Registered Agent Information
Registered Agent Name:    Timothy J. Burson
Physical Address:    200 Ashford Center North , Suite 500 , Dekalb, Atlanta, GA, 30338, USA

Other Complaints:
https://whocallsme.com/Phone-Number.aspx/6782543300
http://www.complaintsboard.com/complaints/financial-asset-management-systems-inc-hialeah-florida-c118749.html

It is incumbent upon them under the law to prove that the debt exists and that you owe it, and (this is the important part) that they have the legal right to collect it.  You are not obligated under the law to prove that you don’t owe or that it is paid.  

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.  If and when you get that letter you should immediately send that debt validation letter by certified, return receipt mail.

First, you should make a complaint at this Federal Agency, and while there you should also read up on how debt collection is supposed to work as well as what your rights in this matter are: https://www.consumerfinance.gov/

Also file complaints with the FTC: https://www.ftccomplaintassistant.gov/#crnt&panel1-1

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:   https://800notes.com/faq/attorney-general

As well as the Georgia AG:     http://law.ga.gov/

As well as:       http://consumer.georgia.gov/consumer-services