The complaint has been investigated and
resolved to the customer's satisfaction
Financial Asset Management SystemsAwful company

I live in Japan, and have for the past decade. I had, HAD, a student loan (approximately $3, 000, taken out back in 1995 or 1996) which was paid off seven years ago to a company other than FAMS. I was sending international money orders. Unfortunately, I moved house thrice since then, and have lost the paperwork on those payments and on the letter confirming completion of payment.

About 30 minutes ago, I received a phone call at work from a fellow named Eric Thompson. He claimed that the Dept of Ed has not received any money from me. He also said that the loan defaulted five years ago. He then told me that I owed $8, 000+ and that he wanted to confirm that I was going to send them a check for that amount. When I tried to explain that I had already paid, and that everything was resolved, he rudely talked over me and used phrases like 'Look, do you want to resolve this voluntarily or not!' and then 'Okay, so you are saying that you don't want to resolve this voluntarily!'

Then he tried saying that they had been trying to reach me through my grandmother's phone 'for years'. This is preposterous, because I stopped using it as a mailing address years ago. AND, if anyone had actually been calling my grandmother and asking for me, she would have told me. I explained that I had been in contact by regular mail with that previous debt collector, and that they had my home address here in Japan. He asked for my home address, and I gave it to him (doh!!!)

When I persisted in trying to get my point at least heard, if not understood, some other fellow jumped in the called and blurted his name and title so fast that I could not catch it at all (his name turned out to be Kevin Inches). He was much less understanding, and was very abusive in his words and his tone. He said things like 'Look, you owe us money! You will pay your debt! You can't run away from your debt! You will do this!'

When I tried to suggest that he take a more amenable tone, he said he didn't have to. I explained (well, I tried to explain, but he kept yelling at me) that I was at work now, and I asked him/them to send me an e-mail with the details of this ‘loan' and the organization that they acquired it from. The really rude guy (who would not give his name again because “the only thing here is that you are going to pay your debt!") began talking over me again, and said “we're not gonna play e-mail tag here or let you get by with ‘I don't know what you are talking about'. You are going to pay this debt!" He was actually shouting so loud that my coworkers could hear him.

Then he tried strong-arming me into calling them tomorrow to settle on a payment plan (unfortunately, I agreed to that... should I actually go through with it?). I tried to explain that it was an impossibility to just up and write a check for $8, 000+, not least of which is because I do not have a checking account anywhere! Kevin (the rude one) took the new tack of threatening to “take action"... although he never mentioned what ‘action', and when pressed, he stammered and lost the thread; he simply fell back on ‘take action'. Then, as abruptly as he came in, he was gone. Eric finally said the other person's name was Kevin Inches.

Eric gave me the following phone number: [protected]. I still don't know why I am supposed to call them, or why they won't put anything in writing. I wish I had not agreed to anything at all. I wish I had not given them my home address.


  • Ph
    phrustrated Aug 11, 2010

    this company is run by uneducated, rude, under- trained people. im looking into another way to pay this student loan off without trying to deal with them. i called to try to make a payment arrangement...long story short the guy on the phone, darius, forgot to put me on hold and continued to talk about me...enough said...these people need to be fired..i have never called a "corporation" where the receptionist sounds like shes been smoking weed and simply says "hello" where do they find these people????

    0 Votes
  • Ra
    Rafael Goitia Mercado Jan 03, 2011
    This comment was posted by
    a verified customer
    Verified customer

    My name is Rafael Goitia Mercado. I made a student loan three years ago by the amount of $ 5, 000.00 to finish my bachelors degree from the University of Puerto Rico Rio Piedras campus. I want to start making payments on the loan because I started my career in the U.S. NAVY. Took about six months trying to communicate with you and I've never been lucky. I am stationed in Guam and the time change does not favor me. On one occasion, I talk to a manager of your agency and his attitude was not the best. I try to explain that I wanted to start making payments but I needed all the information about the loan because my bank Navy Federal Bank requested that information. The manager with an arrogant tone told me "I could give no information, you need to pay the entire amount of money at the time". The manager asked me the number of my credit card and I told him that was not going to be possible because I needed information certified by your agency. Your representative's attitude was not professional and with any values.

    I need to start making those payments because it is affecting my credit me and my naval career. I ask for your help with this situation. My personal E-MAIL is [protected] My cell number is [protected] and my mailing address is PSC 455 Box PSD GUAM 172 FPO AP 96540.

    Thank you for your help. I await for your answer as soon as possible.

    0 Votes

Post your comment

    By clicking Submit you are agreeing to the Complaints Board’s Terms and Conditions


    Unhappy consumers gather online at and have already logged thousands of complaints.
    If you see dozens of complaints about a certain company on ComplaintsBoard, walk away.
    One of the largest consumer sites online. Posting here your concerns means good exposure for your issues.
    A consumer site aimed at exposing unethical companies and business practices.
    ComplaintsBoard is a good source for product and company gripes from especially dissatisfied people.
    You'll definitely get some directions on how customer service can best solve your problem.