If you have 16Gb of ram, make sure the option in your bios of memory hole remapping is enabled.
Check what version of windows 10 you are using, and check if it has memory restrictions depending on the Bit version of the OS and the limits of the home and pro versions of the OS.
If you have an on board motherboard graphics solution, check it is not still enabled if you have a pci-e based graphics card in the Pci-e slot of your board.
On board graphics will reserve a part of main system memory for storage and texture storage for games ect.
It will not report this in some cases so for example it could be using up to 4Gb of system memory.
The 12gb will be what is left after the reservation of system memory for an onboard Igpu solution.
Subtract what windows is using up and other programs set to run at start up of windows as back ground tasks.
And you would be left with 8Gb free for programs to run.
A good way to tell is to see if the bios, at post of the system or in the bios menu it reports the full 16Gb of memory fitted to your motherboard.
If the case. Then check memory hole remapping is enabled in the bios if turned off.
And disable the onboard IGPU solution of the board or Intel based solution.
Or limmit the amount of memory reserved from system memory the Igpu can use in the bios of the motherboard.