ACS Education Services CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
09/09/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Don't agree with the fees charged
  • TX
  • 78121
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX XX/XX/XXXXDear Sirs/Madames : I am filing this Complaint to report suspected fraud on the part of ACS Education Services ( ACS ) and XXXX XXXX XXXX XXXX XXXX ( XXXX ). I am told that XXXX was formerly known as ACS. I do not believe that I ever signed a contract with ACS or XXXX and neither entity has provided a copy of the alleged contract, despite repeated requests for the same. I have disputed the loan with all three major credit bureaus. I reached out to the Ombudsman Group and received no assistance whatsoever from this group. I am at a loss about what to do and ACS/XXXX is essentially extorting {$860.00} a month from me, causing extreme financial hardship for me and my family. I am hoping that the Consumer Financial Protection Bureau can assist me. I would like to initiate a lawsuit against ACS and XXXX, but I am not able to afford a constitutional lawyer to do. Timeline of Important Events XX/XX/XXXXXX/XX/XXXX I attended XXXX XXXX at XXXX University XXXX XXXX XXXX and took out a student loan to pay tuition. I no longer have any of the original paperwork, but the loan amount was approximately {$110000.00}. XX/XX/XXXXBegan making regular and timely payments on my student loan and continued doing so until I filed for Chapter XXXX Bankruptcy inXX/XX/XXXX. XX/XX/XXXX I fled from my extremely violent husband ( now ex-husband ) with the assistance of the Pennsylvania Coalition Against Domestic Violence. I lived in hiding and underground until XX/XX/XXXX. I have been repeatedly stalked and terrorized by my ex-husband and I continue to be part of an Address Confidentiality Program ( ACP ). A copy of my ACP card is attached. XX/XX/XXXX Because I was forced to move across the country to try and hide from my ex-husband and because I left ALL of my possessions behind when I fled from my ex-husband in XX/XX/XXXX, I could no longer afford to meet my financial obligations. The law firm I worked for before fleeing would not hire me back because they had a genuine concern for the safety of other employees. I consulted with an attorney who recommended I file a Chapter XXXX bankruptcy. I filed for bankruptcy in XX/XX/XXXX. At no time did any student loan agency inform me or my attorney that daily interest on the remaining balance of the student loan would be accruing during the bankruptcy at a rate of 5 %. At the time I filed for bankruptcy, the balance on my student loan was approximately {$78000.00}. XX/XX/XXXX I completed my Chapter XXXX bankruptcy plan. XX/XX/XXXXI received a payment booklet from ACS. I didnt recall my student loan lender being ACS, but I called ACS to determine the account balance. ACS told me the balance was {$150000.00}. I told the representative that this was insane. The alleged balance exceeded the original loan by {$30000.00} and was twice as much as the balance due at the time I filed bankruptcy. The representative confirmed that I had never missed a payment, even during the bankruptcy plan. I called XXXX XXXX XXXX and spoke with XXXX who told me that the National Database listed my student loan balance at {$78000.00} ( which coincided with the amount I owed at the time of filing bankruptcy in XX/XX/XXXX ). I called ACS back and advised them of the information I secured from XXXX XXXX XXXX. The ACS representative told me that the discrepancy was a result of daily interest charged at a rate of 5 % during my 5-year bankruptcy plan. I told the representative that there is no way that I would ever have signed a promissory note that contained a provision that would require me to pay 5 % daily interest under any circumstance. I told the ACS representative that I dont believe ACS was even my lender and I asked ACS to provide a copy of the alleged promissory note and an accounting of the alleged current balance. I explained that I had to flee my ex-husband and left all my financial documents and paperwork behind. XX/XX/XXXX I sent a letter to ACS confirming my conversation with ACS and XXXX XXXX XXXX on XX/XX/XXXX I asked ACS to forward a copy of the purported signed contract and an accounting of the alleged balance. I never received a response to this letter. A copy of theXX/XX/XXXX letter is attached. XX/XX/XXXX A second letter was sent to ACS requesting a copy of the purported signed contract and an accounting of the alleged balance. I never received a response to this letter. A copy of the XX/XX/XXXX letter is attached. XX/XX/XXXX A third letter was sent to ACS requesting a copy of the purported signed contract and an accounting of the alleged balance. I never received a response to this letter. A copy of the XX/XX/XXXX letter is attached. XX/XX/XXXX A fourth letter was sent to ACS requesting a copy of the purported signed contract and an accounting of the alleged balance. I never received a response to this letter. A copy of theXX/XX/XXXX letter is attached. XX/XX/XXXX After disputing the ACS debt with the three major credit bureaus, ACS sent me an inquiry asking for more information regarding my dispute. I completed the form and returned it to ACS asking them to respond to my prior letters. I never received a response to my dispute. A copy of the dispute form mailed on XX/XX/XXXXis attached. XX/XX/XXXX Since ACS completely ignored my requests for documentation to support the alleged debt, I contacted the XXXX XXXX XXXX XXXX XXXX for assistance. The XXXX XXXX XXXX acknowledged receipt of my request for assistance. A copy of the XXXX XXXX XXXX acknowledgement is attached. XX/XX/XXXX I received a call from XXXX XXXX of the XXXX XXXX XXXX and discussed my case at length. She agreed that something did not appear right and stated she would investigate. I sent XXXX XXXX an e-mail with copies of the letters I had sent to ACS. A copy of the XX/XX/XXXX e-mail to XXXX XXXX is attached. XX/XX/XXXX After making me believe for 7 months that the XXXX XXXX XXXX was actually going to help me, I received a letter from XXXX XXXX via e-mail stating that the lender ( referred to as XXXX, ACS and XXXX, leading me to believe that they dont even know who the actual alleged lender is ) had the right to charge 5 % daily interest during the bankruptcy. Of note, this letter indicates that the XX/XX/XXXX principal balance of the loan was {$110000.00}. Since I was making regular monthly payments from XX/XX/XXXX through the filing of bankruptcy in XX/XX/XXXX, this supports that the balance at the time of filing bankruptcy was {$78000.00}. I responded to XXXX XXXX telling her that this amounts to usury. There is no way that I can owe more than twice the original balance. A copy of e-mail exchange dated XX/XX/XXXX is attached. XX/XX/XXXX I sent an e-mail to XXXX XXXX of the XXXX XXXX XXXX stating that the alleged link in her XX/XX/XXXX e-mail for supporting documentation did not work. I asked her to mail me the paperwork. XXXX XXXX ignored my request. A copy of theXX/XX/XXXX e-mail is attached. XX/XX/XXXX I sent a second e-mail to XXXX XXXX of the XXXX XXXX XXXX asking her to mail me the paperwork. XXXX XXXX again ignored my request. A copy of the XX/XX/XXXX e-mail is attached. XX/XX/XXXX I sent a third e-mail to XXXX XXXX of the XXXX XXXX XXXX asking her to mail me the paperwork. A copy of theXX/XX/XXXX e-mail is attached. XX/XX/XXXX I received a letter from XXXX XXXX of the XXXX XXXX XXXX attaching a single page document purporting to be the promissory note and a payment history from XX/XX/XXXXtoXX/XX/XXXX. I dispute that this is a true and accurate copy of any alleged promissory note since I do not recall taking out a loan in XX/XX/XXXX. I took out my loan during XXXX XXXX XX/XX/XXXX to XX/XX/XXXX ) and began making payments in XX/XX/XXXX. Of note, there is no provision in the purported promissory note authorizing usurious daily interest of 5 % under any circumstance, yet alone during the pendency of a bankruptcy. The purpose of a bankruptcy action is to provide relief to a debtor, not doubling the debtors debt by charging illegal, unconstitutional, unconscionable and usurious interest not authorized in any provision of any alleged contract. I called XXXX XXXX and left her a voice mail asking her to contact me immediately. I also asked for all payment records from XX/XX/XXXXto present and a complete copy of the original loan paperwork. A copy of the XX/XX/XXXX letter from XXXX XXXX and the paperwork included with the letter is attached. XX/XX/XXXX I called XXXX XXXX and left another voice mail message asking for a complete copy of the original loan paperwork and all payment records from XX/XX/XXXX to present. I received an e-mail from XXXX XXXX of the XXXX XXXX XXXX stating that my request to reopen is denied. A copy of the XX/XX/XXXX e-mail is attached. XX/XX/XXXX I replied to the e-mail from XXXX XXXX of the XXXX XXXX XXXX stating that I did not ask the XXXX XXXX XXXX to reopen my case. I told her that I have repeated requests for a complete copy of the original loan paperwork and payment records from XX/XX/XXXX to present. I told her that neither the XXXX XXXX XXXX nor ACS have provided copies of the original loan paperwork nor the payment records from XX/XX/XXXXto present. I told her that I dont think I ever took out a loan with ACS and I think that ACS is taking advantage of victims of XXXX XXXX. I demanded that she provide the documents I requested within 10 days. XXXX XXXX never responded. A copy of theXX/XX/XXXX e-mail is attached. XX/XX/XXXX I received a letter from XXXX XXXX of the XXXX XXXX XXXX attaching a duplicate copy of XXXX XXXX XX/XX/XXXX letter and the enclosures to that letter. Copies of the original loan paperwork and payment records from XX/XX/XXXXto present still have not been provided. Violation of Fundamental Goals of Bankruptcy Article I, Section 8, of the United States Constitution authorizes Congress to enact " uniform Laws on the subject of Bankruptcies. '' Under this grant of authority, Congress enacted the " Bankruptcy Code '' in XX/XX/XXXX. The Bankruptcy Code, which is codified as title 11 of the United States Code, has been amended several times since its enactment. It is the uniform federal law that governs all bankruptcy cases. A fundamental goal of the federal bankruptcy laws enacted by Congress is to give debtors a financial " fresh start '' from burdensome debts. The Supreme Court made this point about the purpose of the bankruptcy law in a XX/XX/XXXX decision : [ I ] t gives to the honest but unfortunate debtora new opportunity in life and a clear field for future effort, unhampered by the pressure and discouragement of preexisting debt. Local Loan Co. v. Hunt, 292 U.S. 234, 244 ( 1934 ). This goal is accomplished through the bankruptcy discharge, which releases debtors from personal liability from specific debts and prohibits creditors from ever taking any action against the debtor to collect those debts. Chapter XXXX, entitled Adjustment of Debts of an Individual With Regular Income, is designed for an individual debtor who has a regular source of income. Chapter XXXX allows the debtor to propose a " plan '' to repay creditors over time usually three to five years. The debtor is protected from lawsuits, garnishments, and other creditor actions while the plan is in effect. Here, the balance of the student loan that I had, which again is not ACS/XXXX, was {$78000.00} at the time I filed for bankruptcy. The bankruptcy court made payments monthly on my student loan. When I completed my 5-year payment plan, ACS/XXXX notified me that my balance was {$150000.00}, almost double what the balance was when I entered bankruptcy five years before and far in excess of the original loan balance. There is no way that I would ever have signed a contract that would permit a lender to charge me 5 % DAILY interest on a loan. That is insane. Charging me 5 % daily interest during the course of the bankruptcy, almost doubling my alleged student loan debt, is certainly contrary to the principles and goals of bankruptcy. At no time was I ever advised that 5 % daily interest would be charged during the pendency of the bankruptcy. Despite repeated requests, ACS/XXXX has not produced any contract that I signed that contains a provision that it is permitted to charge 5 % daily interest during the pendency of the Chapter XXXX bankruptcy. ACS/XXXX should be charged with violating bankruptcy law and my alleged student loan debt should be discharged effective immediately. Usurious Interest Usury laws are enacted to protect people from debts bearing burdensome interest rates and to protect citizens from oppression generally. I reside in Texas and Conduents registered address is in Texas. Accordingly, Texas usury laws will apply. FINANCE CODE TITLE 4. REGULATION OF INTEREST, LOANS, AND FINANCED TRANSACTIONS SUBTITLE A. INTEREST CHAPTER 302. INTEREST RATES SUBCHAPTER A. USURIOUS INTEREST Sec. 302.001. CONTRACTING FOR, CHARGING, OR RECEIVING INTEREST OR TIME PRICE DIFFERENTIAL ; USURIOUS INTEREST. ( a ) A creditor may contract for, charge, and receive from an obligor interest or time price differential. ( b ) The maximum rate or amount of interest is 10 percent a year except as otherwise provided by law. A greater rate of interest than 10 percent a year is usurious unless otherwise provided by law. All contracts for usurious interest are contrary to public policy and subject to the appropriate penalty prescribed by Chapter 305. ( c ) To determine the interest rate of a loan under this subtitle, all interest at any time contracted for shall be aggregated and amortized using the actuarial method during the stated term of the loan. ( d ) In addition to interest authorized by Subsection ( b ), a loan providing for a rate of interest that is 10 percent a year or less may provide for a delinquency charge on the amount of any payment in default for a period of not less than 10 days in an amount not to exceed the greater of five percent of the amount of the payment or {$7.00}. The charging of the delinquency charge does not make the loan subject to Chapter 342 or any other provision of Subtitle B. According to Section 302.001 cited above, the maximum amount a creditor can charge for interest in Texas is 10 % per year. 10 % interest per year equates to .0273 % daily interest. The 5 % daily interest illegally charged by ACS/XXXX is clearly in excess of the amount permissible. It is actually more than 183 % higher than the amount permitted by law. FINANCE CODE TITLE 4. REGULATION OF INTEREST, LOANS, AND FINANCED TRANSACTIONS SUBTITLE A. INTEREST CHAPTER 305. PENALTIES AND REMEDIES SUBCHAPTER A. CIVIL LIABILITY ; CRIMINAL PENALTY Sec. 305.001. LIABILITY FOR USURIOUS INTEREST. ( a ) A creditor who contracts for, charges, or receives interest that is greater than the amount authorized by this subtitle in connection with a transaction for personal, family, or household use is liable to the obligor for an amount that is equal to the greater of : ( 1 ) three times the amount computed by subtracting the amount of interest allowed by law from the total amount of interest contracted for, charged, or received ; or ( 2 ) {$2000.00} or 20 percent of the amount of the principal, whichever is less. ( a-1 ) A creditor who contracts for or receives interest that is greater than the amount authorized by this subtitle in connection with a commercial transaction is liable to the obligor for an amount that is equal to three times the amount computed by subtracting the amount of interest allowed by law from the total amount of interest contracted for or received. ( b ) This section applies only to a contract or transaction subject to this subtitle. ( c ) A creditor who charges or receives interest in excess of the amount contracted for, but not in excess of the maximum amount authorized by law, is not subject to penalties for usurious interest but may be liable for other remedies and relief as provided by law. 305.002. ADDITIONAL LIABILITY FOR MORE THAN TWICE AUTHORIZED RATE OF INTEREST. ( a ) In addition to the amount determined under Section 305.001, a creditor who charges and receives interest that is greater than twice the amount authorized by this subtitle is liable to the obligor for : ( 1 ) the principal amount on which the interest is charged and received ; and ( 2 ) the interest and all other amounts charged and received. ( b ) This section applies only to a contract or transaction for personal, family, or household use subject to this subtitle. Since the total of the student loan debt at the time of bankruptcy was {$78000.00} and the balance at the end of the 5-year bankruptcy plan was {$150000.00}, it appears that the interest charged was at least the difference of {$73000.00}. According to Section 305.001 ( a ) ( 1 ) cited above, I am entitled to three times the interest, which is {$210000.00}. Since ACS/XXXX charged more than twice the amount authorized ( actual amount charged is more than 183 times the amount authorized ), I am also entitled to receive the principal amount and interest amount. Pursuant to Section 305.002 cited above, it appears I am also entitled to receive {$78000.00} ( principal amount ) and {$73000.00} ( interest amount ), which is {$150000.00}. Accordingly, the total amount ACS/XXXX owes to me is {$370000.00}. I would also be entitled to attorneys fees and costs if I am forced to retain counsel. Remedy Sought I have been forced to make monthly payments of {$860.00} for a debt I do not owe, which is causing extreme financial hardship. If I fail to make payments, ACS/XXXX will destroy the credit I have worked so hard to repair since having to flee a violent ex-husband and being forced into bankruptcy. Although I am entitled to receive {$370000.00} from ACS/XXXX, which is far in excess of the loan balance, I will be willing to accept satisfaction by ACS/XXXX of the alleged loan with written notification to all three major credit bureaus stating the loan was paid in full and was in good standing. I am willing to forego recovery of penalties if ACS/XXXX will simply mark the loan as paid in full. If I am forced to file a lawsuit to remedy this situation, I will seek all penalties available and will make a claim for compensatory damages, punitive damages, exemplary damages and attorneys fees and costs. Please feel free to call me at ( XXXX ) XXXX if you have any questions or comments. Thank you. Sincerely, XXXX XXXX XXXX XXXX
12/14/2020 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • IL
  • 60707
Web
XXXX XXXXXX/XX/2020XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX To Whom It Might Concern, I am writing AGAIN to dispute the following inaccurate, incorrect account information that has been reporting negative details for the past 13 years and 2 months. The 2 specific accounts that I am referring to are located on pages 27-28 of my XXXX, XXXX, and XXXX 3-in-1 credit report that was pulled on XX/XX/XXXX. I have also attached a copy of those specific pages for your review. For some apparent reason, ALL 3 creditors are reporting different account numbers, different opening dates, different balances and neither credit bureau has ever actually verified or validated the debt being reported even after being advised that the account information that is being reported by each of them is inaccurate. PLEASE IMMEDIATELY UPDATE BOTH ACCOUNTS PER MY REQUEST AS FOLLOWS FOR ALL 3 CREDIT BUREAUS : 1. CEASE AND DESIST ANY & ALL FURTHER ATTEMPTS TO COLLECT A DEBT! 2. REMOVE ALL REPORTED HISTORY OF LATE PAYMENTS BACK TO XX/XX/XXXX! 3. DO NOT DELETE EITHER OF THE TWO 13-YEAR-OLD ACCOUNTS! 4. BOTH ACCOUNTS SHOULD REMAIN LISTED ON ALL 3 CREDIT BUREAUS! 5. BOTH ACCOUNTS SHOULD BE UPDATED AS CLOSED EFFECTIVE XX/XX/XXXX, PAID AS AGREED, NEVER LATE ON ALL 3 CREDIT BUREAUS! I have personally contacted XXXX via telephone on numerous occasions requesting specific details regarding these 2 accounts once I learned that they existed and was incorrectly reporting to my credit. I specifically asked XXXX the following questions : 1. WHAT WERE THE ORIGINAL LOAN DATES? 2. WHAT WERE THE ORIGINAL LOAN AMOUNTS BORROWED? 3. WHAT SCHOOL WERE THE FUNDS ISSUED TO? 4. WHY ARE THE LOANS REPORTING PAST DUE? ACCRUING LATE FEES? INTEREST? 5. WHEN DID THE LOANS GO INTO REPAYMENT STATUS? 6. WHY WASNT I NOTIFIED IN WRITING VIA U.S. MAIL AT LEAST 60 DAYS PRIOR? 7. WHAT IS THE REQUESTED PAYMENT AMOUNT? DUE DATE? 8. WHAT OPTIONS ARE AVAILABLE FOR DEFERMENT? FORBEARANCE? FORGIVENESS? 9. PLEASE MAIL ME A COPY OF THE ORIGINAL LOAN DOCUMENTS, TERMS, CONTRACT THAT INCLUDES MY SIGNATURE, PROOF OF PAYMENT ISSUED TO THE SCHOOL AND DATE ITEMS WERE CASHED! 10. REMOVE ALL PRE-EXISTING CONTACT INFORMATION FOR ME INCLUDING TELEPHONE NUMBERS, EMAILS AND ADDRESSES FOR MYSELF, FRIENDS AND FAMILY! 11. DO NOT SAVE ANY NUMBERS THAT I CALL FROM AS A METHOD OF CONTACT FOR ME! 12. DO NOT ATTEMPT TO CONTACT ME VIA ANY OTHER METHOD OTHER THAN U.S. MAIL. 13. DO NOT ATTEMPT TO CONTACT ANYONE ELSE OTHER THAN MYSELF VIA ANY LOANS THAT HAVE BEEN DISTRIBUTED UNDER MY NAME. 14. REMOVE AND CREDIT ALL LATE FEES AND INTEREST THAT HAS ACCRUED TO DATE. As of this date, XX/XX/XXXX XXXX has failed to comply and honor my requests. They have NOT sent me any of the items or information that I have previously requested both over the phone or via my previous CFPB complaints. Instead, they sent me an electronically signed item that does NOT provide my actual signature accepting the loan. Please find attached, XXXX response to my CFPB complaint that was filed on XX/XX/XXXX after my initial phone attempts to get these issues resolved were not successful! I have also contacted XXXX College both via telephone, in person and via email requesting details regarding the loan disbursements that XXXX claims were paid out to them. I requested that the school send me proof of the loan disbursement dates and proof of payment as well. The school has verified each time that I was NOT a student at XXXX in XX/XX/XXXX and that they did NOT receive any funding on my behalf during that school year. Please review BOTH letters that I have attached from 2 different departments of XXXXXXXX confirming this. XXXX HAS however confirmed BOTH via telephone and attached correspondence in writing that they are NOT the original owner of these loans! That they are NOT the original issuer of these loans. Therefore, they do NOT have the right to collect a debt that they are NOT the owners of or given direct advance notice of their ownership of these items. This debt has NOT been verified or validated by XXXX, XXXX, XXXX, OR XXXX. Therefore, I AM AGAIN DEMANDING THAT MY ABOVE REQUESTS ARE MET BY ALL PARTIES INVOLVED EFFECTIVE IMMEDIATELY! The information being reported is inaccurate. You are continuing to intentionally report false, inaccurate, incriminating information which is a violation of FCRA. Each of you have failed to comply, honor, respond, correct, and update the information within the original 30-day timeframe stated by law. In fact, you have exceeded this legal timeframe by more than 270 days. PLEASE FIND SPECIFIC REPORTING INFORMATION PER CREDIT BUREAU BELOW AND ON THE ATTACHED CREDIT REPORT PAGE 27 : PLEASE NOTE THAT XXXX HAS NOT UPDATED THE ACCOUNT SINCE XX/XX/XXXX AS THEY CONTINUE TO SHOW A PATTERN OF NOT COMPLYING AND UPDATING ON TIME, CONSISTENTLY EVERY MONTH. 1. Account # XXXX XXXX XXXX XXXX XXXX, XXXX 2. High Balance being reported for all 3 credit bureaus : {$2000.00} 3. Last Verified by XXXX on XX/XX/XXXX, XXXX -- XXXX -- 4. Date of Last Activity : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX 5. Date Reported : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX 6. Date Opened : XXXX XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX 7. Balance Owed : XXXX {$3700.00}, XXXX {$3700.00}, XXXX {$3600.00} 8. Closed Date : XXXX -- XXXX -- XXXX -- 9. Account Rating : being reported as open for all 3 credit bureaus 10. Dispute Status being reported as NOT DISPUTED by all 3 credit bureaus 11. Creditor Type : XXXX XXXX XXXX XXXX XXXX, XXXX Miscellaneous Finance 12. Account Status OPEN for all 3 credit bureaus 13. Creditor Remarks : XXXX Dispute resolved, customer disagrees, XXXX Subscriber reports dispute resolved consumer disagrees, XXXX Student loan fixed rate 14. Payment amount XXXX & XXXX {$0.00}, XXXX {$44.00} 15. Late Payment reported by XXXX XX/XX/XXXX PLEASE FIND SPECIFIC REPORTING INFORMATION PER CREDIT BUREAU LISTED BELOW AND ON THE ATTACHED CREDIT REPORT PAGE 28 : PLEASE NOTE THAT EQUIFAX IS NOT REPORTING THIS ACCOUNT AT ALL AND CONTINUES TO DISPLAY A PATTERN OF INCONSISTENCIES AND VIOLATION OF THE FCRA BY NOT SUPPLYING THE MOST CURRENT AND ACTIVE INFORMATION AVAILABLE FOR ANY ACCOUNT. 1. Account # XXXX XXXX XXXX XXXX 2. High Balance being reported by both credit bureaus {$2000.00} 3. Last Verified by XXXX only XX/XX/XXXX 4. Opened XX/XX/XXXX XXXX, XX/XX/XXXX XXXX 5. Closed XX/XX/XXXX XXXX only 6. Account Rating : Transferred by both credit bureaus 7. Payment status XXXX current, XXXX late 90 days All reporting information is inaccurate, inconsistent, missing AND/OR outdated! UPDATE THE INFORMATION EFFECTIVE IMMEDIATELY! Thanks so much in advance!
12/14/2020 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • IL
  • 60707
Web
XX/XX/ ACS XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX U.S. Department of Education, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It Might Concern, I am writing AGAIN to dispute the following inaccurate, incorrect account information that has been reporting negative details for the past 13 years and 2 months. The 2 specific accounts that I am referring to are located on pages 27-28 of my XXXX, XXXX, and XXXX 3-in-1 credit report that was pulled on XX/XX/XXXX. I have also attached a copy of those specific pages for your review. For some apparent reason, ALL 3 creditors are reporting different account numbers, different opening dates, different balances and neither credit bureau has ever actually verified or validated the debt being reported even after being advised that the account information that is being reported by each of them is inaccurate. PLEASE IMMEDIATELY UPDATE BOTH ACCOUNTS PER MY REQUEST AS FOLLOWS FOR ALL 3 CREDIT BUREAUS : 1. CEASE AND DESIST ANY & ALL FURTHER ATTEMPTS TO COLLECT A DEBT! 2. REMOVE ALL REPORTED HISTORY OF LATE PAYMENTS BACK TO XX/XX/XXXX! 3. DO NOT DELETE EITHER OF THE TWO 13-YEAR-OLD ACCOUNTS! 4. BOTH ACCOUNTS SHOULD REMAIN LISTED ON ALL 3 CREDIT BUREAUS! 5. BOTH ACCOUNTS SHOULD BE UPDATED AS CLOSED EFFECTIVE XX/XX/XXXX, PAID AS AGREED, NEVER LATE ON ALL 3 CREDIT BUREAUS! I have personally contacted XXXX via telephone on numerous occasions requesting specific details regarding these 2 accounts once I learned that they existed and was incorrectly reporting to my credit. I specifically asked XXXX the following questions : 1. WHAT WERE THE ORIGINAL LOAN DATES? 2. WHAT WERE THE ORIGINAL LOAN AMOUNTS BORROWED? 3. WHAT SCHOOL WERE THE FUNDS ISSUED TO? 4. WHY ARE THE LOANS REPORTING PAST DUE? ACCRUING LATE FEES? INTEREST? 5. WHEN DID THE LOANS GO INTO REPAYMENT STATUS? 6. WHY WASNT I NOTIFIED IN WRITING VIA U.S. MAIL AT LEAST 60 DAYS PRIOR? 7. WHAT IS THE REQUESTED PAYMENT AMOUNT? DUE DATE? 8. WHAT OPTIONS ARE AVAILABLE FOR DEFERMENT? FORBEARANCE? FORGIVENESS? 9. PLEASE MAIL ME A COPY OF THE ORIGINAL LOAN DOCUMENTS, TERMS, CONTRACT THAT INCLUDES MY SIGNATURE, PROOF OF PAYMENT ISSUED TO THE SCHOOL AND DATE ITEMS WERE CASHED! 10. REMOVE ALL PRE-EXISTING CONTACT INFORMATION FOR ME INCLUDING TELEPHONE NUMBERS, EMAILS AND ADDRESSES FOR MYSELF, FRIENDS AND FAMILY! 11. DO NOT SAVE ANY NUMBERS THAT I CALL FROM AS A METHOD OF CONTACT FOR ME! 12. DO NOT ATTEMPT TO CONTACT ME VIA ANY OTHER METHOD OTHER THAN U.S. MAIL. 13. DO NOT ATTEMPT TO CONTACT ANYONE ELSE OTHER THAN MYSELF VIA ANY LOANS THAT HAVE BEEN DISTRIBUTED UNDER MY NAME. 14. REMOVE AND CREDIT ALL LATE FEES AND INTEREST THAT HAS ACCRUED TO DATE. As of this date, XX/XX/XXXX XXXX has failed to comply and honor my requests. They have NOT sent me any of the items or information that I have previously requested both over the phone or via my previous CFPB complaints. Instead, they sent me an electronically signed item that does NOT provide my actual signature accepting the loan. Please find attached, Navients response to my CFPB complaint that was filed on XX/XX/XXXX after my initial phone attempts to get these issues resolved were not successful! I have also contacted XXXX XXXX both via telephone, in person and via email requesting details regarding the loan disbursements that XXXX claims were paid out to them. I requested that the school send me proof of the loan disbursement dates and proof of payment as well. The school has verified each time that I was NOT a student at XXXX in XX/XX/XXXX and that they did NOT receive any funding on my behalf during that school year. Please review BOTH letters that I have attached from 2 different departments of XXXX confirming this. XXXX HAS however confirmed BOTH via telephone and attached correspondence in writing that they are NOT the original owner of these loans! That they are NOT the original issuer of these loans. Therefore, they do NOT have the right to collect a debt that they are NOT the owners of or given direct advance notice of their ownership of these items. This debt has NOT been verified or validated by XXXX, XXXX, XXXX, OR XXXX. Therefore, I AM AGAIN DEMANDING THAT MY ABOVE REQUESTS ARE MET BY ALL PARTIES INVOLVED EFFECTIVE IMMEDIATELY! The information being reported is inaccurate. You are continuing to intentionally report false, inaccurate, incriminating information which is a violation of FCRA. Each of you have failed to comply, honor, respond, correct, and update the information within the original 30-day timeframe stated by law. In fact, you have exceeded this legal timeframe by more than 270 days. PLEASE FIND SPECIFIC REPORTING INFORMATION PER CREDIT BUREAU BELOW AND ON THE ATTACHED CREDIT REPORT PAGE 27 : PLEASE NOTE THAT XXXX HAS NOT UPDATED THE ACCOUNT SINCE XX/XX/XXXX AS THEY CONTINUE TO SHOW A PATTERN OF NOT COMPLYING AND UPDATING ON TIME, CONSISTENTLY EVERY MONTH. 1. Account # XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX 2. High Balance being reported for all 3 credit bureaus : {$2000.00} 3. Last Verified by XXXX on XX/XX/XXXX, XXXX -- XXXX -- 4. Date of Last Activity : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX 5. Date Reported : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXX/XX/XXXX 6. Date Opened : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX 7. Balance Owed : XXXX {$3700.00}, XXXX {$3700.00}, XXXX {$3600.00} 8. Closed Date : XXXX -- XXXX -- XXXX -- 9. Account Rating : being reported as open for all 3 credit bureaus 10. Dispute Status being reported as NOT DISPUTED by all 3 credit bureaus 11. Creditor Type : XXXX Government, XXXX Student Loans, XXXX Miscellaneous Finance 12. Account Status OPEN for all 3 credit bureaus 13. Creditor Remarks : XXXX Dispute resolved, customer disagrees, XXXX Subscriber reports dispute resolved consumer disagrees, XXXX Student loan fixed rate 14. Payment amount XXXX & XXXX {$0.00}, XXXX {$44.00} 15. Late Payment reported by XXXX XX/XX/XXXX PLEASE FIND SPECIFIC REPORTING INFORMATION PER CREDIT BUREAU LISTED BELOW AND ON THE ATTACHED CREDIT REPORT PAGE 28 : PLEASE NOTE THAT XXXX IS NOT REPORTING THIS ACCOUNT AT ALL AND CONTINUES TO DISPLAY A PATTERN OF INCONSISTENCIES AND VIOLATION OF THE FCRA BY NOT SUPPLYING THE MOST CURRENT AND ACTIVE INFORMATION AVAILABLE FOR ANY ACCOUNT. 1. Account # XXXX XXXX , XXXX 2. High Balance being reported by both credit bureaus {$2000.00} 3. Last Verified by XXXX only XX/XX/XXXX 4. Opened XX/XX/XXXX XXXX, XX/XX/XXXX XXXX 5. Closed XX/XX/XXXX XXXX only 6. Account Rating : Transferred by both credit bureaus 7. Payment status XXXX current, XXXX late 90 days All reporting information is inaccurate, inconsistent, missing AND/OR outdated! UPDATE THE INFORMATION EFFECTIVE IMMEDIATELY! Thanks so much in advance!
03/29/2021 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • WV
  • 26201
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX SSN XXXX To Whom It Concerns, I have received communication from the IRS that Conduent Education Services submitted a form 1099C for me in XXXX. Although I have had issues with student loans since the XXXX I have never had any business dealings with Conduent Education Services. My student loan issues ( whoever services these as it seemed to change quite often ) could never provide any of the following : The Promissory Notes from XXXX, XXXX, XXXX, and XXXX. ( Note that one year I did not have a student loan, but it was a long time ago and Im not sure if it was XXXX or XXXX ). I need this because it shows interest rates etc. Transcript of all payments made on the loans which I started repaying in XXXX. Just so you know, the bank could never supply this They never took any legal action to collect the amount they said was outstanding because they did not have the documents and I had paid the loans off. I only borrowed {$12000.00}. I paid on it for years with a low interest rate, as you will see if you find the documents. Because I sat out of school for a year it was set up as two loans. I paid on both but they continuous made mistakes and applied all the money to one loan. Then would contact me stating one or the other loan was going to default because all the payments were applied to the other loan instead of to both. I would have to contact them every time and get it straightened out. Eventually, I grew tired of the hassle and said give me a payoff and I will just pay both loans in full. They sent me a payoff amount which was as much as I had originally borrowed. I had paid timely for over 8 years on a XXXX loan. Constantly I contacted them trying to work this out. I requested transcripts of the account just to be told that they only have that for 1 year. Around XXXX, I sat had any outstanding balance calculated independently based on the information I had and sent them a cashiers check for the balance marked with both account numbers PAID IN FULL. I would check my Credit Reporting and find it was on my credit report every few years. I would report it the credit reporting agency and it would drop off again. Finally, in XXXX, I found it on credit again and demanded it be removed. I was told by whoever put it on there that this time it was resolved. Relieved to finally resolve the issue, I disposed of these records during my last move in XXXX as far as I recall. It appears that Conduent Education Services with whom I never had any prior dealings, submitted a XXXX for {$10000.00} for XXXX to the IRS. Implying this was a forgiven debt with tax consequences. It was not. I did not owe this money. I did not receive the 1099 as it was not mailed to my current address. This is not a loan that was forgiven and should have tax consequences. This was a loan that the bank screwed up and could not account for my payments and has an erroneous principal amount. Here is the only information I have : Conduent Education Services XXXX XXXX XXXX XXXX NY XXXX Account Information XXXX Form XXXX C {$10000.00} My research of Conduent Education Services shows it was closed in XX/XX/XXXX. I am unable to contact Conduent Education Services at address given on the 1099 to resolve my potential tax issues with the IRS. This issue is so very old I do not know any of the following : who was the business that I talked to in XXXX? Where did I bank when I was making payments in the XXXX and XXXX? It is ridiculous to assume I would have records from 30 years ago. I have done my best at every turn to deal with this issue as timely as humanly possible. Even 30 years ago, this issue was very important to me not only for the credit implications but because defaulting a debt would endanger my employment with the IRS as it is against our code of Ethics. My research of Conduent Education Services also revealed that it was previously knows as Affiliated Computer Services ( ACS ) and had a contract with the Department of Education to service federal student loans. In XXXX and XXXX, the U.S. Consumer Financial Protection Bureau ( CFPB ) investigated ACS. Some student loans werent properly updated and had incorrect principal balances. This is the exact issue I was raising with the administrator of my student loans since the late XXXX. I paid on time for years and the principal was never reduced, and no explanation could ever be given. There were no late fees etc. At their direction of IRS, I wrote to Conduent Education Services at the address given. It came back as Not Known at Address ; Unable to Forward. Now the IRS has sent me a 90 Day Proposed Assessment Notice for this 1099. I have had to deal with the credit implications and aggravations of this for years ( since the late XXXX ) and now it has been turned in as a 1099 which affects my tax liabilities. Not only does this result in a tax balance that I do not owe and should not have to pay, I work for the IRS and having an increase in taxes that I did not put on my original tax return will result in disciplinary actions against me. Also having a report of a forgiveness of debt on that 1099 will result in disciplinary action against me. There is great harm to me by Conduent Education Services financially, professionally, and emotionally. I need this 1099 recalled by Conduent Education Services immediately. I would also like a case summary of the XXXX and/or XXXX case ( s ) against ACS to support my issues with the Internal Revenue Service. I greatly appreciate your time and assistance in resolving this
08/13/2017 Yes
  • Debt collection
  • Private student loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • OK
  • 74003
Web
XXXX XXXX has a Private student loan that is serviced by XXXX XXXX XXXX, formerly ACS Education Services DBA XXXX XXXX XXXX. XXXX XXXX is the master servicer and the lender does n't have a mailing address or phone number or any employees according to XXXX XXXX. XXXX XXXX took out 6 loans for the following amounts. 1. {$5000.00} 2. {$5000.00} 3. {$5000.00} 4. {$5000.00} 5. {$5000.00} 6. {$6000.00} ACS consolidated the loan into the following loans without XXXX XXXX 's permission A-1 {$5000.00} A-2 {$15000.00} A-3 {$11000.00} In this time period XXXX XXXX did NOT know the following ( proof attached ) 1. How his payments were allocated 2. The balance of the individual loans 3. The method used for the allocation 4. The rates of the individual loans 5. The rate changes for the individual loans In this time period XXXX XXXX was unable ( by ACS and XXXX XXXX admission ) to 1. Make individual loan payments 2. Make partial payments to avoid deferment to one loan instead of all in the group ( for example he was billed {$120.00} for A-2 but really he should have had the opportunity to pay {$50.00} for loan 2 to keep it current ) 3. Specify how to apply loan payments via the mail lockbox As a result of the above 1. XXXX XXXX 's credit report was incorrect 2. XXXX XXXX 's credit balance were incorrect 3. XXXX XXXX 's credit history did not show correct length or balance of payments To hide this information ACS and XXXX XXXX 1. Withheld loan balances and rates upon request 2. Withheld payoff amounts upon request 3. Sent redacted promissory note with page numbers blacken out and told this was the complete document. 4. Sent 3/6 promissory notes and told that was all of them in order to trick XXXX XXXX into thinking he only had 6 loans. 5. Failed to properly inform XXXX XXXX partial payments would suffice to keep one or more loan in good standing 6. Failed to tell XXXX XXXX the nature of his loans upon multiple calls. 7. Failed to tell XXXX XXXX his interest rates 8. Failed to provide a correct and usable payment history for each loan 9. Failed to respond to any request in a timely manner 10. Failed to explain how his loan payments were applied or calculated. The results led to 1. Minimum payments decreased from {$50.00} ( contract ) to as low as {$30.00} in some cases thus costing XXXX XXXX thousands in interest and denying his opportunity to payoff the loan in advance 2. Rates were averaged or mixed and payments were allocated in a manner that was disclosed to XXXX XXXX. There was no way to know what was happening to his loan. 3. XXXX XXXX attempted to payoff individual loans with a tax return but was unable to complete the task due to the lack of disclosing of the individual balances or compliance with requests to know which loan had the highest rate 4. XXXX XXXX 's credit report showed higher balances thus hurting his credit Then ACS attempted to switch the rates and balances for multiple loans in an effort to confuse XXXX XXXX. ( attached ) With multiple calls to ACS and XXXX XXXX neither company offered to correct the issue. With XXXX XXXX as a witness XXXX XXXX called numerous times to speak to a representative at ACS and was denied the opportunity to speak to a person about his loan for over 90 days. They would refuse to answer questions and continually hang up or transfer to an unmanned voicemail system even after requests to stay on the line until a person answered. XXXX XXXX issued an administrative deferment after this episode. 1. XXXX XXXX owed {$0.00} before the forebearance 2. The issues were not correct or even addressed 3. ACS refused to answer calls for 90 days with XXXX XXXX as witness 4. ACS is now reporting XXXX XXXX 60 days late and caused his credit to drop over XXXX points I believe ACS and XXXX XXXX are in violated of the following the Unfair and deceptive practices related to payment allocation, in violation of Sections 1031 and 1036 of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5531, 5536 ; ACS mislead and refused to provide information necessary for each transaction. As a result, ACS engaged in unfair acts and practices in violation of sections 1036 ( a ) ( 1 ) ( B ) and 1031 ( c ) ( 1 ) of the CFPA. 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) and 5531 ( c ) ( 1 ). unlawful practice related to payment aggregation in violation of Section 623 of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and Section 1022.42 of Regulation V, 12 C.F.R. 1022.42 ( a ) ; Additionally, ACS and XXXX XXXX failed to follow guidelines pursuant to 15 U.S.C. 1681s-2 ( a ) ( 2 ) ( B ) by continuing to furnish information that was inaccurate. Further still, ACS and XXXX XXXX failed to follow guidelines pursuant to 15 U.S.C. 1681s-2 ( 3 ) by failing to mark the accounts as disputed unfair practices related to the assessment of late fees in violation of Sections 1031 and 1036 of the CFPA, 12 U.S.C. 5531, 5536. ACS, engaged in illegal debt collection activity through the use of a business other than the name of the company that owns the debt pursuant to 15 USC 1692 807 ( 14 ). unfair acts and practices pursuant to SEC 1036 ( a ) ( 1 ) ( B ), 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) Consumer rights to access information 12 U.S.C. 5533 ( a ) in support Wire 's letter with specific payment directions and thus violated this section of the fair debt collection act pursuant to 15 USC 1692e 810.
04/14/2021 Yes
  • Debt collection
  • Federal student loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • WV
  • 26201
Web
To be absolutely clear- I do not owe this student loan that the 1099 was issued for Debt Cancelation. I have contested this debt since the XXXX. Please look at the history transcript for payment supplied by Conduent Education Services in prior CFPB filing and the companys statement that they can provide no printout of payments prior to XXXX. I have been requesting the transcripts of payments for XXXX to XXXX for almost 27 years. I had supplied a list of payments years ago that were not credited as I made monthly payments on two loans for all those years ( XXXX ). It was two loans because I sat out of college for a year in the middle and it was set up as two loans. Since it has been so many years, I no longer have all the documents. I believe I paid over {$250.00} a month on the two loans combined. There were always problems with the amounts being misapplied to one loan or the other. Then in XXXX or so, I got a notice that they would combine the loans to stop the confusion. I said, " never mind just give me a pay off as it was a 10-year loan and I have paid 8 years of the loan. At that time, I was told I basically owe the whole amount and no accounting could be made for my payments. I do not owe Conduent Education Services money. There was no loan balance to forgive or Cancel. I also notice that the payments made on the transcript for XXXX forward are not accurate. There is no indication of 2 separate loans and it appears the payments are sporadically applied and that often only one loan payment amount not both are applied. I would also like point out that Conduent Education Services states that from XXXX to XXXX I paid only {$1200.00} and the entire amount was principal. Right there that is ridiculous and shows how false the prior companies accounting was. I, of course, paid more than {$1200.00} in 8 years and there is no way any company would have applied the entire balance they say I paid to principal. The false records and failure to accurately and timely apply my payments, as well, as supply me with a transcript of payments demonstrates the fact that I do not owe this money. It is ridiculous to assume I can locate documents from 30 years ago. Conduent has made no attempt to locate the records. My research of Conduent Education Services also revealed that it was previously known as Affiliated Computer Services ( ACS ) and had a contract with the Department of Education to XXXX XXXX XXXX loans. In XXXX and XXXX, the U.S. Consumer Financial Protection Bureau ( CFPB ) investigated ACS. Some student loans werent properly updated and had incorrect principal balances. This is the exact issue I was raising with the administrator of my student loans since the late XXXX. I paid on time for years and the principal was never reduced, and no explanation could ever be given. The XXXX was mailed to an address that was over 38 years old and of course did not reach me. The company had my address over the years ( although I do understand that because each company, over 3 different companies including Conduent Education Services kept getting in trouble for misapplying payments and other issues these companies changed ). Regardless, I have corresponded with them for years. Occasionally this would appear on my credit report and I would have it removed. Conduent Education Services had access to my current address. The letter they enclosed when they sent the 1099 to an address over 27 years old indicated the forgave the address because they were going out of business ( from my research it was being in trouble once again for malfeasance on student loans ). Why is this my problem. My last contact with whomever was administrating this loan was in XXXX when they agreed it was resolved for good. To be absolutely clear, I do not owe a student loan to be a Cancelled Debt causing a 1099 which causes taxable income. I work for the IRS and will cause me trouble at my job. When that happens, I will be taking legal actions against the responsible parties. If Conduent Education Services does not withdraw this 1099 and supply me with a written acknowledgement that is happening by XX/XX/XXXX, I will take the following actions. I will file in Tax Court to challenge your 1099. I will contact the Department of Education. I will contact Congress and ask to be put on the list to testify to in their hearings. I will contact my Congressman to intervene on my behalf in the resolution of this issue. I will contact the US President as he is going to weigh in on the forgiveness of student loans and this is a major example of malfeasance. Please supply the phone number and address of Mr. XXXX XXXX so that I may subpoena him to tax court if this document is not withdrawn. I will also need to know where to direct my lawsuit for damages to my credit and employment if this 1099 is not withdrawn. Please contact me if you have any further questions. I really don't know what else to say except this is irresponsible and legally wrong.
05/18/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • MA
  • 01970
Web
Dear Sir or Madam, Please let this correspondence serve as a formal complaint letter re garding ACS practices and the predicament I find myself in due to same. ACS has engaged in documentable unfair and unethical practices in regards to the handling of student loans and accrued interest and fees. I have fallen victim to these practices, and I hereby wish to formally file this grievance with CFPB. I have been enrolled in the Income-Based Repayment Program ( IBR ) on my original XXXX student loans sinc e XX/XX/XXXX , wh en I applied for XXXX school an d its subsequent new set of loans. Since enrolling in IBR, Ive met all requirements for continuous participation in this program. This year, ACS changed their verification date to XX/XX/XXXX , but failed to inform me of having done so. My regular recertification cycle had previously been XX/XX/XXXX - XX/XX/XXXX and I had no reasonable way of knowing about this change. ACS claimed I had defaulted on my recertification and put me in standard repayment status. I spoke with a XXXX XXXX ( agent # XXXX ) on XX/XX/XXXX . After repeated inquiry with two agents, they finally stated that the due date was XX/XX/XXXX . I was informed that ACS can offer no administrative forbearances and that this is just a tool they use as a resource if Im out of forbearances. I was also informed that regardless of forbearance status, interest will be capitalized. The total additional interest for being 45 days late in recertification will be {$630.00}. XXXX did offer to knock me do wn to the IB plan and said this would bring me current immediately. I would then have to apply for a new IBR plan. However, after being on hold for a while, he came back on and said it would take 5 to 7 business days. Wh en I confronted him with his earlier statement about being brought current immediately, he denied what he had said, and was rude to me. A temporary forbearance, which Id applied for in XX/XX/XXXX , came through on XX/XX/XXXX . The agent I spoke with previously, on or about XX/XX/XXXX ( XXXX - # XXXX ), h ad none of this information and said that I was not eligible for an administrative forbearance. I get different answers, misinformation, and advice that leads me to act against my own best interest every time I speak with ACS. On XX/XX/XXXX , I requested my payment history from the origination of the loan consolidation to present date, including an explanation of every interest capitalization event. As of today Ive not received any such itemization. These complaints come in addition to the much more serious issues Ive had with ACS in the past, when they had failed to inform me about the very existence of the IBR program, an omission which has caused me to accrue outlandish sums in capitalized interest due to utilizing forbearances and deferments rather than a reasonable payment schedule which would have been readily available to me had I been informed of it. At no point did ACS inform me of the total interest and fees which would accr ue by utilizing deferments and forbearances, including unemployment forbearances. This grievance has been detailed in correspondence with my lawyer dating from XX/XX/XXXX ( attached. ) Ive been dealing with these issues with ACS throughout their name changes ; from XXXX XXXX XXXX to ACS, and now XXXX ( which, along with their new address, they didnt disclose to me ), since my XXXX loan consolidation i n XX/XX/XXXX . In XX/XX/XXXX , I c onsolidated again to combine my outstandi ng FFEL l oans to create a new consolidation loan. I adde d XXXX new loans totaling over {$12000.00}. When you factor in a ccrued interest, totals {$55000.00}. My loans had such high interest rates, the {$55000.00} loan is probably somewhere in between 7-8 %. XXXX XXXX XXXX solicited me to do this consolidation, and probably received a kick back from the lende r ( XXXX XXXX XXXX ) f or doing so. The compounded interest now seems to have pushed that balance to {$91000.00}, and climbing. I have been in contact with your representative from the Office for Students, XXXX XXXX , who has insights into what may have happened in the consolidations of my loans, some of which would be highly unethical. The matter of my XXXX student loans as handled by ACS needs a thorough investigation. There are discrepancies and overcharges that are unexplained. I have recently contacted MA Attorney General XXXX XXXX office to request assistance in sorting out these matters, and received a positive response ; they are willing to advocate on my behalf. It is my hope that CFPB, possibly in concert with XXXX XXXX office, will take this grievance seriously. Thank you in advance for your attention to this matter. Sincerely, XXXX XXXX cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
05/31/2018 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • FL
  • 34953
Web
I reached out to The University of XXXX XXXX ( XXXX ) financial aid department multiple times at least 4 over the early month of this year. Between XX/XX/2018- XX/XX/2018. After being out of school and working for six ( 6 ) month I realized that my grace period was up, and it was time to begin repaying my loans. I knew this because of small reminders and emails from XXXX about managing debt and tools to help. I immediately went to studentaid.gov and took a good look at all of my loans. I saw the Federal Perkins loan there among all the other typical subsidized and unsubsidized loans, but I did not think much of it at this time and followed steps to pay my loans which brought me to the Navient website where I made my first payment. The following month when I took a look at my loans again I noticed the Federal Perkins Loans I received from XXXX did not budge. I began to worry a bit and it hit me that I would probably need to pay that loan specifically to XXXX. When I was finally able to reach the Department of Financial Aid, the person on the phone I spoke with specifically told me that all I needed to do was continue making payments through XXXX and that should cover all my loans. I felt uneasy by the statement because when I called the loan by name, Federal Perkins Loan, it was as if she had never heard of it or was unsure of what it was. But again, she assured me that was the way. After awhile it went out of my mind and it wasnt until I was making my second payment to XXXX that I began to feel uneasy again because the Federal Perkins Loan was not listed on my account on the Navient website. I called XXXX Financial Aid Department again and this time I recall speaking to a gentleman I told him my situation and my concern and voiced that I have not received any notifications and wasnt sure that I have been paying the loan. I also told him that when I go to the studentaid.gov website to view all my loans it shows that the loan is not yet in repayment or generating interest which did not seem accurate to me. The guy on the phone was able to pull up my account at XXXX and he was able to see the Perkins loan I was referring to. Even then he too was also a bit confused about the loan and the specifics on how to repay the loan. He did say that I should have received emails about payments or something of the sort. I told him I have never once received an email, a phone call or letter from XXXX or loan company. At the end of it, it did not seem like he had the information or was trained on how to deal with private loans. I am unsure how the conversation ended but he was not able to help me with finding out more information about the Perkins loan and repayment. This went one for another call. It was not until my 4th call in the second week of XXXX which I spoke to another gentlemen that I finally got the answers I was looking for. He told me there was a specific website. He also gave me a contact number of another lady I could speak with incase I needed further assistance. I do not have his name, but his initials are XXXX as his signature suggested from the email he sent me. When I went to the link in the email I saw that my account was just a few days from becoming 3 months overdue and I would need to pay the 3 months worth of payments. I called the number of the lady he gave me the next day during business hours but of course I got the voice mail. The next day I tried again and was able to reach her. I told her the predicament I was in and how the school never informed me or told me how to repay the loan. All she told me was that there is nothing she could do and if it has already been reported then thats that. There was nothing I could do but make the 3 months worth of payments which is did two days later. The lady on the phone did mentioned that she could put my account into forbearance which would bring it back to current however it would not fix that it was already delinquent and has been reported ... but that was not the issue, the issue was my above 700 credit score dropped 50+ points because the University of XXXX XXXX failed to provide accurate and timely information to me despite my efforts to reach out to them and get said information. The Financial Aid Department of XXXX failed to properly train their staff on the matter and because of that my credit score which we as consumers are so harshly judged on was severely damage. I have never missed payments before or have had any negative factors on my credit report. It takes a full seven ( 7 ) years for a delinquency to be fully removed off a report! Not once did I receive and email, phone call, or letter about this loan. I should not be treated unjustly because of inaccurate, inadequate, misinformation, and lack of information from XXXX!
09/20/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • FL
  • 33140
Web
ACS/XXXX XXXX XXXX XXXX This is a education loan which was consolidated. It states on my credit reports it is closed but was past due 90 days. I was never past due on this loan. This loan is reporting inaccurate information. I started an investigation with ACS and they have not remedied the problem. ACS claims my loan came out of deferment/forbearance XX/XX/XXXX and I did not put it back into deferment until XX/XX/XXXX. Thereby making it 90 days late. ACS and I were in contact in XX/XX/XXXX, regarding this loan. I requested this loan be put into deferment at the time it was due. It is claimed that I did not do so until XX/XX/XXXX. I was never contacted at my current living address or current number at the time they allege that they tried to contact me XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. My address in XX/XX/XXXX was XXXX XXXX XXXX XXXX XXXX XXXX New York, XXXX. My telephone number is the same as it is today XXXX. I was in contact with all my student loans and all were consolidated XX/XX/XXXX with NO other loan having a lapse of payment/deferment/forbearance status during this period. This is the only loan reporting in error 90 days and also reporting in error to the credit bureaus conflicting dates. I requested by email written communication to ACS they : 1. Please provide me with copies of all unemployment deferment and or forbearance documentation submitted. 2. The contact information they had listed the dates between XX/XX/XXXX-XX/XX/XXXX. Including addresses and telephone numbers allegedly used to contact me. 3. Please provide me with the first date of delinquency/ late payment and which date was reported to the credit bureaus. XXXX credit reporting agency confirmed XX/XX/XXXX, ACS reported my payment being in good standing XX/XX/XXXX through XX/XX/XXXX, with the first date of late payment being XX/XX/XXXX. Due to be removed from my credit 7 years from the first negative reporting date. Resulting in removal XX/XX/XXXX.However ACS claims I was delinquent since the first payment was late XX/XX/XXXX. Even if they assert and allege I was initially late XX/XX/XXXX, they are reporting inaccurate dates to the credit report as the first date of delinquency/ missed payment. thereby extending the time will be reported and remain on my credit report inaccurately.. Their response toCFPBcase # XXXX states my first payment due XX/XX/XXXX was not paid or put into a deferment until XX/XX/XXXX. ( This is in response to complaint XXXX, which outlines XXXX XXXX concerns regarding her account. XXXX XXXX XXXX XXXX, doing business as ACS Education Services ( ACS ) previously serviced three Federal Family Education Loan Program ( FFELP ) loan accounts for XXXX XXXX on behalf of XXXX XXXX XXXX ( XXXX ) and one FFELP loan account on behalf of XXXX/XXXX. XXXX XXXX XXXX and XXXX contracted with ACS to maintain servicing, repayment and collection activities on their student loans. While ACS is the primary contact for the servicing activities, the loans were owned by XXXX XXXX XXXX and XXXX and serviced per the terms of the loans Promissory Notes and Federal Regulations. The XXXX/XXXX loan was a consolidation that that included the balances of the three XXXX loans. This loan entered repayment on XX/XX/XXXX. Our records indicate that the account was in forbearance from XX/XX/XXXX, through XX/XX/XXXX. Once the forbearance ended, the next monthly installment was due XX/XX/XXXX. Payment was not received by ACS, and no additional forbearance or deferment options were requested until XX/XX/XXXX. Notifications were sent to XXXX XXXX via mail to inform her of the past due status. ACS had also attempted to contact XXXX XXXX by telephone without success. ACS reports account status to the National Credit Bureaus every month. We begin reporting a delinquent status once the account reaches 60 days past due and will continue negative reporting every 30 days until the account is brought below 60 days past due. XXXX XXXX was reported as 60 days delinquent in XX/XX/XXXX, and 90 days delinquent in XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX submitted an Unemployment Deferment application. The deferment was approved, bringing the account current, and deferring payments through XX/XX/XXXX. XXXX XXXX Unemployment Deferment was received and applied after the delinquent status was reported to the credit bureaus. The account status was accurately reported to the bureaus and is unable to be removed from her history. On XX/XX/XXXX, the account was paid in full by consolidation. This status was reported to the National Credit Bureaus at the end of XX/XX/XXXX. ) This is conflicting information that has been provided toCFPBalong with the credit bureaus and myself.
05/19/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • CA
  • 91739
Web
ACS Education services Consolidated student loans from college from XX/XX/XXXX - XX/XX/XXXX ( University XXXX XXXX ) an d law school from XX/XX/XXXX - XX/XX/XXXX ( XXXX XXXX XXXX ). After I filed Chapter XXXX bankruptcy in XXXX and received a discharge in XXXX XXXX , I set up payment arraignments with ACS-Education, the servicer for these student loans. The XXXX l oans totaled roughly {$35000.00} and I have made each payment on time since XXXX XXXX . The issue lies in my legally required periodic billing statements which I should receive each month ( Regulation Z - Truth in Lending A ct & Student Loan Act ( CFR 682 ) ). I have elected for Automatic Clearing House ( ACH ) paym ents from my checking account to receive a .25 % interest rate reduction. I can only receive this reduction by also electing to receive all information via email, which is great. However, ACS-Education only submits ACH Remittance notices via email and not Billing statements. In addition, Billing statements are not available online at their website either. The representatives also confirm that I am unable to do ACH payments to get the interest rate reduction AND recieve my legally required statements which should have my balance, interest acrued, interest rate, interest paid, principle paid, remaining balance, payment options, etc. Increasingly troubling is that I am unable to get my statements printed for the past 3 years and the representatives from ACS Education claim all of the same information is on the website but they are incorrect because various disclosures are missing, various information is incomplete on their website. The inten t of Congress an d the legislature to requir e Creditors ( including student loan servic ors ) to provide periodic billing statements is to ensure fairness, transparency and Notice ( knowledge ) i s given to the consumer whom owes the debt. Furthermore, t he US Gover nment allows consumers to file private right of actions against Creditors who violate these fundamental Lending practices and issue statutory penalties of {$1000.00} per occurance under Fair Debt Collections Practices Act ( Ro senthal Act-California state law similar in nature to FDCPA ). However, since these loans are backed by the Federal Government, these servicors are given immunity and protected by a law that shields consumers from filing lawsuits via private right of action. For example, these violations by ACS should warrant {$1000.00} fine for each month they failed to provide me my state ment ( times 2 for both loans ), which would equal {$72000.00} over the past 36 months they failed to meet their requirement. Even more puzzling is tha t ACS essention ally coerces debtors into ACH payments so they can receive a APR reduction. This practice then prevents statements from being created and sent to debtors, thereby saving Billions of dollars in printing and mailing costs which more than makes up for the messly .25 % APR rate reduction consumers receive. This appears to be much more of a organized crime such as racketeering then simple loan servicing. I am appalled at this and I do not simply want to get my statements hereon out, but I want to be compensated for damages incurred just as if the Loan servicer was a creditor not shielded by the fact that these are Federal student loans ( Student Loan Act ). Lastly, ACS h as further harmed me by failing to provide me with all of my legally available payment options. Since I owe over {$30000.00} wit h ACS and co mbined with all my student loans over {$60000.00}, President Obama wrote into law the student releif act that provides extended loan payment terms from 10 to 20-25 years, but ACS continuously for 3 years indicated that was n't an option. Recentl y I forced their hand by issuing the law and asking to pull the promissory note which gave 25 years regardless while all the w hile ACS clai med I only had 10 years to pay the loan. These acts are abusive to say the least and displa y ACS 's willful disregard to laws, consumers, fairness, transparency and equitable relief. I am disgusted and ashamed to say this only ha ppens in America.
01/24/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • GA
  • 30458
Web
When I graduated from XXXX school XX/XX/XXXX I consolidated Stafford and XXXX XXXX loans into a Federal Direct Consolidation Loan and, thus, became locked into an 8.25 % interest rate. The consolidated Federal Direct Loan I took out was {$60.00}. After XX/XX/XXXX Interest rates on student loans dropped as low as 1.5 % but I could not refinance ( re-consolidate ) my loan to obtain a lower interest rate because federal law prohibits the re-consolidation of a previously consolidated loan unless, of course, a private bank is willing to refinance the loan without collateral or the government 's guarantee. However, after outcry from private banks who wanted the lucrative risk free profits to be had, if they could just re-consolidate direct loans into guaranteed loans, there was a brief period where private banks were allowed to re-consolidate previously consolidated federal direct loans into guaranteed student loans if they could show that the borrower would benefit. So XX/XX/XXXX I re-consolidated my consolidated federal direct student loan into a FFEL loan with a private lender, and of two options I was offered that would lower my interest rate if I complied with certain conditions, I chose the one where I would get a permanent 1 % reduction if I made 36 on time payments or all of my payments on time for the next three years. My loan changed hands a few times before being transferred to XXXX as the loan servicer where it has remained for years now. I think the loan is now owned by XXXX. But XXXX has unconsolidated my loan and turned it into XXXX loans, a Federal Subsidized Loan and a Federal Un-Subsidized Loan. And now, they even send me XXXX bills. They send me a statement for my subsidized portion of my consolidated loan, which they have now unconsolidated into a separate loan.. And they send me another statement for the un-subsidized portion of the loan, which they have now unconsolidated into a separate loan. XXXX now sends me XXXX statements for my consolidated FFEL loan, a loan that was made as a re-consolidation a previously consolidated Federal Direct Consolidation Loan.But I only have XXXX loan!!! I went through various difficulties during the recession that followed my re-consolidation but I nonetheless never made a late payment and eventually met the condition to obtain the reduced interest rate. And XXXX did reduce the interest rate on XXXX of my " loans '' but not on the other XXXX. They only reduced the interest rate on my " subsidized loan. '' But, again, I only have XXXX loan!!! This is how XXXX came to the twisted conclusion that I had only met the 36 on time payments on half of my consolidated loan : Eventually I entered into the IBR plan, and I tried to make some payments even though my payment due under the income based re-payment plan was {$0.00}. I thought they would apply these payments to the principle but they refused to do so. They insisted these payments could only be applied to future interest. Yes, that 's right, future interest. And they only applied the payments to the future interest on my " subsidized loan. '' So payments made on my " subsidized loan '' got ahead of the payments made on my " un-subsidized loan. '' That is how they credited me with having only met the conditions to obtain the promised 1 % reduction on XXXX of my " loans. '' But wait a minute, I only have XXXX loan!!! I only have XXXX loan, and they only gave me the reduction on XXXX of that loan. That is what they did. They cheated me out of the promised rate reduction on my loan. And it is very upsetting that I ca n't re-consolidate at today 's lower interest rates because I already consolidated XX/XX/XXXX, yet my loan is now unconsolidated and I am denied the benefits of consolidation. XXXX also encouraged me to stay in deferment for years instead of entering IBR even though I told them I was going to go into IBR.. I now think I should have gone into IBR right away and they knew this.
10/20/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Received bad information about my loan
  • MI
  • 48071
Web
I have XXXX loan accounts with ACS-Education ( www.acs-education.com ). The relevant account for this complaint is my " XXXX '' loan with ACS. On XXXX XXXX, 2016, ACS delivered a monthly paper bill to my home requesting payment in the amount of {$57.00} due by XXXX/XXXX/16. On or about XXXX/XXXX/16 I sent payment of {$57.00} to ACS through my bank account 's e-bill payment system. ACS accepted the payment and deposited my check. On XXXX/XXXX/16, I signed into my online account at www.acs-education.com and noticed that ACS marked my account as " In Repayment, 6 days past due. '' Confused as to why ACS considered my account past due because I paid the amount ACS requested on their bill, I called ACS 's collection department on XXXX/XXXX/16 at XXXX, XXXX. A pleasant female read to me the mini-Miranda rights under the FDCPA and then attempted to get me to pay a past due amount of {$1.00}. I asked for an explanation because I had paid the amount demanded in ACS 's last bill. The ACS employee advised me that my interest rate is variable and that it was recently raised. In fact, she said that my interest rate was raised one day after the XXXX/XXXX/16 bill was delivered. ACS did not send a revised bill to reflect a different amount due. The ACS employee claimed that ACS sent me a notice explaining that the interest rate had changed. I deny receiving same. I asked for a copy but was denied a copy. Instead, the ACS employee offered to email me an account statement which is a new document showing the status " 6 days past due. '' I asked the ACS employee if she can understand my confusion as a consumer over why I am past due despite the fact that I have paid every amount requested by ACS bills. The employee remarked that she is making a note of my comments without attempting to explain the lack of a revised bill. As a consumer, I am completely confused on how ACS adjusts the interest rates on my account. I am also confused on how ACS can label my account " past due '' despite not sending me a bill for the deficiency. I am also displeased with the inability or unwillingness of the ACS collection department employee to provide me copies of recent documents or to issue a new bill. As a consumer, I believe it is imperative that ACS revises its policy on declaring an account " past due. '' First, ACS must explain why it does not send a new bill after ACS changes the terms of the loan. In fact, my next payment is not due until XXXX/XXXX/16. I assume the next bill I receive in the mail will show the past due amount from XXXX ( although previously never billed for ) plus new monthly charges for XXXX. I am concerned that ACS will treat me with hostility as a delinquent debtor although I was never informed of my past due status but for my random logging into my online ACS account. I am concerned that the terms of the my original loan include an incentive of interest rate deduction if I maintain a current account throughout the live of repayment. I am concerned that ACS will report negatively to the credit bureaus that I have a past due account for the relevant month ( s ). I believe that ACS has failed to communicate the proper amount due. ACS has issued conflicting statements of what amount is due. ACS is penalizing me for their failures to communicate. In short, ACS issued a bill which I paid on time ; without my knowledge, ACS amended my bill although never informed me that a larger amount was due ; ACS now marks my account and credit as " past due '' ; and not for my random auditing of my online ACS account, I would not have known I was past due until, who knows, next month, when ACS might take other actions against me including late fees, negative credit reporting, and so forth. I asked the ACS employee what more I can do to better understand my account or to get more information about this issue. That ACS employee invited me to file this complaint. I want a full investigation of ACS.
02/03/2017 No
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • OK
  • 74003
Web
ACS violated the following : ( 1 ) unfair and deceptive practices related to payment allocation. 12 U.S.C. 5531, 5536 ; unlawful practices related to payment aggregation in violation of Section 623 of the Fair Credit Reporting Act 15 U.S.C. 1681s-2 ( a ) ( 2 ) I took out XXXX individual loans. ACS aggregated the balances and rates into XXXX " packets '' exactly like a loan consolidation, without consent. XX/XX/XXXX : {$5100.00} 9.97 % Variable XX/XX/XXXX : {$5100.00} 9.25 % Variable XX/XX/XXXX : {$5100.00} 10.02 % Variable XX/XX/XXXX : {$5100.00} 10.03 % Variable XX/XX/XXXX : {$5100.00} 9.43 % Variable XX/XX/XXXX : {$6300.00} 12.06 % Variable THE NEW LOANS THEY CONSOLIDATED Before payments began, ACS shows the loans set up as follows XX/XX/XXXX : {$5100.00} 9.97 % Variable XX/XX/XXXX : {$15000.00} 9.25 % Variable XX/XX/XXXX : {$11000.00} 9.43 % Mixed The following are my allegations. 1. ACS created a packet where only XXXX loans were shown to the consumer. The bill shows XXXX loans, online shows XXXX loans, and customer representatives only see XXXX loans. The same for balances and interest rates. It is a consolidation. 2. Rather than combining for billing, the rates and balances were mixed and a new repayment method was introduced. Rather than paying {$50.00} each month towards the loans, around {$40.00} per loan per packet was applied. This drastically increased the amount of interest the company would receive on the loan. Again, without consent. Around {$8000.00} was stolen using this scheme. Another {$3000.00} for 10 years of interest is due. 3. ACS denied me the opportunity to make payments individually towards the loans. They denied the opportunity to see balances for the loans individually. They denied requests to allow payments to go through individually and applied them how they wished. They applied extra payments to the next month, applied payments late, and held payments up to 20 days before processing making my loan late. 4. ACS sent partial promissory notes with page numbers redacted in black to hide the number of pages in the document. They also sent XXXX of XXXX promissory notes to hide the fact that I had XXXX loans. They lied and told me " you have been given all of the promissory notes '' referring to the XXXX they sent. Then when I found out I really had XXXX loans and could prove it they sent me all XXXX and it was time stamped from when I originally asked for them. They just withheld this and lied about it. 5. ACS misrepresented my loans, rates, balance histories, and gave factually incorrect financial information in order to keep me from knowing the truth of my loan. They additionally sent fraudulent payment histories that show balances accumulated before the loan had even been taken out. 6. ACS billing only included information on the XXXX packets. I can not see the individual loans, nor are they online. I had no knowledge of my interest rates for my individual loans either. There was no way for me to know any details for loans XXXX. 7. I requested ACS correct my credit reporting information that only shows XXXX loans when I had proof of XXXX loans. They refused. I sent the request to the credit agencies. ACS still refused to change or show that I had disputed the false information. 8. I had decided to change companies by refinancing my loan in XX/XX/XXXX and requested payoff information and lender information as the information online was incorrect. They refused and did not respond. Certified letters were received. I then tried again in XX/XX/XXXX and the company needed the payoff, statements, credit information, balance history, etc. They all needed to show the XXXX loans I had. They delayed information, sent incorrect statements, made my loan go into late status, and refused to show my credit report correctly. Interest rate then jumped greatly. I still can not refinance. The rest of my complaint is in updated complain
03/22/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Received bad information about my loan
  • TX
  • 75087
Web
I have XXXX loans that are serviced through ACS. My loans were delinquent and I applied for forbearance in XX/XX/XXXX. At the time I spoke to the rep he let me know that I had forbearance time and he would submit my application and it should be a seven day turnaround. I received a letter from ACS stating my forbarance was denied due to I had " exhausted the maximum amount allotted by my lender '' XX/XX/2017- I called ACS and spoke with a rep named XXXX ( ID XXXX ) who told me that I had no time. I informed him that I did have time for forbearance and could he please review my account info to tell me when my forbearace was used to confirm ; He then stated he did see I had time available and he would be submitting a new request for reason for denial. I waited called XX/XX/2017 I spoke with a rep and told them my issue The rep reviewed the account and stated that they saw I had XXXX months of forbearance time and that they would submit a request for my file to be evaluated for reason for denial. I then received a letter dated XX/XX/2017 stating that I had exhausted the maximum amounts allotted to me by my lender. I called XX/XX/2017 and spoke with a representative named XXXX ( no id recorded ) I told her my issues and she said I indeed did have XXXX months of forbearance time available we got disconnected and I called back and spoke with a rep named XXXX ( ID XXXX ) who I told my situation to and also asked to speak with a supervisor He transferred me to Supervisor XXXX XXXX ( id XXXX ) She said she had difficulty hearing me and I said I would call back. I later that day called and spoke with XXXX CSR ( ID XXXX ) who I explained my situation and that I had XXXX months of forbearnace time she asked me who informed me I had that available and I told her previous reps I then asked to be transferred to a supervisor and she transferred me to Supervisor XXXX ( ID XXXX ). XXXX told me that she saw where I had XXXX months available of forbearance time but she had to request to see what had been used. She gave me her direct number at that time. XX/XX/2017 I called back to speak with XXXX who stated she was waiting on history from the previous lender to confirm the forbearance time I had available. XX/XX/2017 I called and left a message with XXXX to call me back because she was unavailable. XX/XX/2017 I called and spoke with XXXX ( ID XXXX ) She stated the information was not received from the previous lender as of yet. My due date was this day so I paid online I have a confirmation printed I paid online as of this date however it scheduled the payment to come out the next day which would result in me being 90 days late. I spoke with XXXX that day as well after I called again and she stated that how much forbearance time I had used from the previous lender was not available so she sent a request to the ACS processing department to get the information from the previous lender. XX/XX/2017-I called XXXX to follow up and she told me there was no response yet from her processing department. I also asked her was my loan going to be transferred to which she responded no I do not see where it is scheduled to transfer. XX/XX/2017 I called ACS because I was reported 90 days late despite paying on my due date. When I called the system and entered my information it said ACS no longer handled the loans. I spoke with representative XXXX ( XXXX ) who told me they had been transferred. I told her XXXX told me on the XX/XX/2017 there was no transfer scheduled and I received no correspondence indicating they would be transferred. I asked if they sent any she stated one was sent on XX/XX/2017 I never received this and it should have been seen by XXXX XX/XX/XXXX. I then let her know I would be filing a complaint. She gave me the number to contact navient but since then I have received a bill from ACS. ACS damaged my credit and did n't notify of transfer or resolved forbearance
08/10/2015 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Received bad information about my loan
  • TX
  • 78703
Web
I took out a loan in XXXX XXXX that is being serviced by ACS. I was under the impression that the loan was subject to in-school deferment while I am completing my XXXX degree. In XXXX XXXX, I received a call from ACS informing me that my loan was past due. I informed the representative that I was in school and would not be graduating until XXXX XXXX. The rep confirmed this info with the clearing house and told me I would need to mail in a deferment form that she would send to me. I never received the form. In XXXX XXXX, the calls from ACS started again. I again spoke with an ACS rep and explained my conversation with the last rep. This time, ACS told me I could not use an in-school deferment ( and that no form had been sent or any communication letting me know it would n't be sent ) because my loan could only be defered for a max of XXXX years from the origination date. I told the rep I was unaware of this term, and asked why the original rep had not informed me of this information when we spoke in XX/XX/XXXX, after the deferment limit period. I told the rep this was deceptive, as the loan continued to be unpaid for almost a month while I was under the impression I would be receiving an intent form. I also informed the rep that I had not received any notice from ACS that the deferment was about to end. The rep told me that I could instead use a forbearance on the account. The terms of the forbearance were limited to XXXX times in the life of the loan, and can not exceed XXXX months. Because I had already used XXXX months in XX/XX/XXXX, the rep told me I could use the remaining XXXX months while I complete my degree. I asked for a copy of my promissory note and the rep said I would receive it XXXX days later. The rep told me he could not send me a copy of the alleged notice letter from XXXX XXXX informing me that my deferment was ending, as it was computer generated and not reproducable. I emailed ACS after the call asking for a copy of the note and the XXXX XXXX notice letter. I was told the same thing the rep told me on the phone. Over the next XXXX weeks, I continued to receive calls from ACS, as did my co-signer. I eventually answered and told ACS I wanted the calls to stop as I had already made arrangements with ACS with the forbearance. The ACS rep told me they legally could not stop the calls until the forbearance was processed, despite my claim of harassment and request to not be called, and that they were legally obligated to call me whenever my number appeared in the system. I asked the rep for the regulation citing this practice, and he ignored my request and told me the calls would continue. I emailed ACS to verify that this was legally permissible. I then received a call from a XXXX XXXX regarding my email. She apologized for the rep, told me she could email me a copy of the note and also generate a copy of the XXXX XXXX letter regarding the end of my deferment. However, XXXX also informed me that I could not use my forbearance for XXXX months as I was previously told, but only for XXXX months per the terms of my note. I informed her this was ( again ) ACS modifying pertinant info told to me regarding my loan from what a previous rep had told me. After reviewing the docs sent to me by ACS ( by mail as previously requested and by email from XXXX XXXX, the note does not contain the information alleged by ACS. There is no mention of a XXXX year deferment limit, or that a forbearance can only be for XXXX months at a time. Furthermore, the XXXX XXXX notice letter does not indicate my deferment had reached its term limit. It looks simply like a letter I received from ACS previously while still in school XX/XX/XXXX, and would not put me on notice that my deferment is completely out and not just pending my fall enrollment/intent to return letter. I emailed XXXX multiple times regarding the note, and have not heard back almost XXXX weeks later.
09/16/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • PA
  • 15122
Web
On XXXX/XXXX/XXXX I received a delinquency notice from ACS Education mu student loan servicer. I was baffled when reading this letter because my loan payments ( I have XXXX loans that are serviced by them ) are made every monthly automatically. And the loan payment for XXXX ( due every XXXX of the month ) had not only been made on time but it was made 2 days earlier since the XXXX XXXX fell on a weekend. I called ACS Education immediately. After several minutes of having to make numerous selections to speak with a live person, I finally reached a CSR. I could barely understand the CSR since she spoke really bad broken XXXX. But I suffered through it because I did n't want to have to explain my issue to someone else. I told her how I did n't think I should 've received a delinquency letter since I checked my bank account and verified that my loan payments had been made to ACS Education. She did verify that the payments had been received on XXXX XXXX. But she said they were n't the correct amount. I asked her how that was possible since I had paid the amount that they assigned me to pay per the award letter I received in XXXX dated XXXX/XXXX/XXXX. I told her that I had applied for an IBR Repayment Plan back in XXXX XXXX and was approved per the approval letter dated XXXX/XXXX/XXXX. The letter stated the new payment amounts of the plan and that the new payments should be made by XXXX/XXXX/XXXX. She put me on a brief to verify my statement. After being on hold for a few minutes, she got back on the line and told me that the plan actually had n't been approved in XXXX but in fact it had been approved in XXXX and that the new payments were n't due until XXXX/XXXX/XXXX. I said ma'am I am looking at the approval letter dated XXXX/XXXX/XXXX stating that the new payments are due by XXXX/XXXX/XXXX but you are telling that this letter is incorrect and the new payments are n't due until XXXX XXXX? She said yes that is correct. I said well ma'am I never received that letter. I received a letter dated for XXXX XXXX so can you please honor this letter that I have from you? She said no, we can only honor the letter that we have on file. I said well that 's terrible because as you can see from my payment history, I make my loan payments on time every month and have been doing so since I started repaying them back in XXXX XXXX. She said yes I see that but there 's nothing I can do. You will have to pay the difference or risk being reported to the credit bureaus as delinquent. I said so let me get this right. I 'm going to be penalized for an error made by ACS Education? She said no, it was n't our error because we have the correct letter. So I asked to speak to a supervisor since I figured she had no authority to make this right. She said I need to put you on a brief hold. After being on hold for 10 mins. she said sorry I ca n't locate a supervisor. So, I am very frustrated by this time and tell her to note my acct. that I will be calling back the following day to speak with a supervisor. I calle back XXXX/XXXX/XXXX to speak to a supervisor and the same exact thing happened. The foreign speaking CSR put me on hold for 10 mins. and got back on the line and said that she could n't locate a supervisor. So by now I am angry. I ask what is a fax number and/or address that I can submit a complaint letter to because I want ACS to investigate this error and correct it and I want to report how I was n't able to speak to a supervisor. She gave me a fax number to send my complaint to and informed me that I would receive a response to the investigation in 7-10 business days. I have yet to receive any correspondence from ACS Education. I also had to pay late charges for this error that they made. It 's bad enough that I have the burden of this debt. But now I am getting penalized for something that they did. And what can I do? I 'm a nobody going up against a big company!
11/03/2015 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't decrease my monthly payments
  • CA
  • 95472
Web
In XX/XX/XXXX, I took out a few private loans which to help cover the high cost of living in XXXX XXXX, where my school, the XXXX XXXX XXXX XXXX is located ( I earned a XXXX ). These loans were eventually consolidated ( without my consent ) into XXXX large loan which has since been purchased by ACS ( original lender was XXXX XXXX XXXX ). The lender has changed several times during this process but ACS has been the main servicer. Since graduating in XX/XX/XXXX, I have found work but none of it has paid very well. During this time, I have used as much forbearance, deferment, and income-sensitive repayment with this loan as I could just to get by ( paying interest only! ). When my income-sensitive payment plan ( ISR ) ran out this year, I tried to reapply through ACS. This is where things get complicated : The first time I submitted my application I was consistently told by a representative over the phone that it would be processed within 7-10 business days. I waited and waited calling every week to see if a decision had been made. When the decision was finally made, the information in my application was outdated by this time ( over 60 days ) so they rejected it and said I needed to submit a new, current, application. So I did. I called on XXXX XXXX to confirm they received it and a representative said that it would be processed by the XXXX. So I called on the XXXX and they confirmed that it was received and forwarded to the lender ( the bank/trust ). Expressing my anxiety to get it processed as soon as possible, the rep. informed me that since I was getting so close to default, I was eligible for two months worth of forbearance to give me breathing room. This was either a lie or a serious mistake because I received a letter in the mail a few days later informing me that I was denied forbearance because I had already used all that was available. Mind you, every time I call I am told it will only be a few days to process the application meanwhile months are passing with nothing getting resolved and default looming closer. Once I get the denial letter I immediately call ACS again and ask why I was denied the forbearance when the representative who suggested it confirmed that it was being applied immediately. Confirmed on the phone! Did I get a call back telling me that it was a mistake? No. Just more days passing while I try to figure out what the delay is. Meanwhile, after several weeks the application for ISR has still not been processed. When I call ACS again on the XXXX ( when I received the denial letter for forbearance ) I am told that they are putting ( yet another ) rush request on the application and that it will be processed within 3 days and that the person I talked to would call me back. This did not happen. I wonder what 's taking so long so I call on XXXX XXXX ( the last day day before the loan goes into default ) and I am told yet again that the application will be processed within 3 days. I ask why it was n't already processed now that it 's been 6 days since my last call. The representative does n't know. I ask to talk to a supervisor and after being put on hold I am told that nobody is available but that someone would call me within XXXX hours ( and another rush request was supposedly attached to the application ). I did not receive a call. As of this writing, I called XXXX more time to finally get all of this resolved and move forward so I can get the loan back in good standing. I talk to someone who seems to care about my situation and they again say that they 've forwarded my case to their supervisor and that I will get an answer within 3 days. They also inform me that I apparently qualify for an economic hardship deferment good for 3 months if my ISR application is denied. This would have been good to know earlier I say but I 'll take anything I can get at this point. The amount of duress this has caused is overwhelming.
05/02/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • FL
  • 34224
Web Servicemember
I have a private student loan from ACS and have experience several issues and inconsistencies when paying for my student loan. First, I do not deal with ACS directly but with an establishment called XXXX XXXX. XXXX XXXX automatically debits from my debit card for payments to the ACS owned loan. As much of an convenience this sould be, XXXX XXXX has failed to debit my account for payment on several occasions. When this occurred I was never notified the account was past due until 30 to 60 days with a phone call from a representative from XXXX XXXX. However, if it was 30 days late instead of asking for the past due amount of XXXX dollars. I was yelled at and requested to provide a payment of XXXX dollars at a time. When I asked how this number came to be, I was told about the past month, the next month. If my math serves me correct that would be a payment of XXXX dollars. So I would not pay they allowed me to pay the miss payment and set up my account for debit for the follow ( next ) payment that was due in several days or weeks. This unfortunately has happened again however this time we went almost 2 years with no issues. On XXXX and XXXX 2016 my debit card was flagged for suspicious activity and reissued a new card. That means ACS / XXXX XXXX did not receive a payment for XXXX or XXXX 2016. However they had bank account and routing number info as well in order to make payments. This did not occur and I received a phone call for XXXX dollars. Everytime they call it 's a new large crazy number they know I would not be able to pay. Then they stated they have a new deal for restructuring my loan since I went 2 years with no payment issues. I was told to XXXX XXXX as a new monthly payment. I asked about the late charges and late payments, with a request to have them removed off the credit report. I was advised with my new restructuring of the loan those late payments would be removed and just paying a flat fee would ensure that. I was advised to electronically sign the new deal and provide a new payment. I went to read the new deal and actually due to their website could not read the contract but it only provided a table of sorts about how it works. I signed this deal and provided payment. A month later checking my credit report late payments of 150 days was report and the credit score dropped at the worse time. I 'm in the mist of buying a house for our new family. But even though only XXXX and XXXX were missed ( even with me paying a large payment to catch the account up and reflects on the pdf ) my credit report states I am currently ( as of XXXX ) still 150 days late on payments. However, the credit report and reporting from ACS states I made full payments in XX/XX/2016. Again going back to my basic math, I did not know 150 days were in XXXX and XXXX combined, I guess 2016 was a very large leap year. On this pdf attach you will see XXXX payment XXXX and XXXX XXXX payments. XXXX of those XXXX payments for XXXX dollars for XXXX and XXXX plus an amount down for restructuring the loan for a lower payment. I have complied with every wish and demand of ACS and XXXX XXXX only to be let down once again and given the run around.ACS and XXXX XXXX both record their lines when on the phone with customers. If you request XXXX XXXX, 2016 between the times of XXXX and XXXX, you will hear a conversation with me and their representatives about removing the late payments per the new contract and a letter stating they would on XXXX XXXX, 2016 the next opportunity to report to the credit agencies. This did not occurred and another phone conversation for XX/XX/2016 at approximately XXXX stating ACS and XXXX XXXX will not do this as agreed. And I could write a letter but that 's not a guarantee they will fix the error as previously agreed to do so. No contact about these late payments were given
06/16/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Received bad information about my loan
  • NV
  • 89511
Web
hi i have disputed wrong information with ACS Student loan services through the XXXX credit reporting agencies for 2 years. i think i 've disputed 5-6 times. ACS never did a real investigation just sent back the same info everytime. the CRA 'S did not seem to do much either. the same reporting year after year. ruining my credit. made phone calls and emails none were returned. i was declared XXXX by SSA on XXXX/XXXX/XXXX. and i had a veteran XXXX discharge of my student loans on XXXX XXXX XXXX i told them this and they never investigated the dates of my discharge to remove late payments. now i did not have this paperwork because its hard to find hours and hours. im mentally XXXX with XXXX AND XXXX XXXX. i am a combat veteran from the XXXX XXXX. this has been very stressful ive about given up. how could my loan servicer not ever know that my student loans were discharged in two years of disputes. i know they are told by government that a loan has been discharged. i will enclose a credit report that shows the XXXX loans and where my non payments fell in the middle of my XXXX discharge date XXXX/XXXX/XXXX some fell before and some after. so it clearly points out that for over 4 years since discharge the have been reporting the same info even with disputes. if they had done a real investigation they would of found out about my discharge. they never sent me any documentation to verify their reporting. it was not until i threatened to contact government agencies that they took me seriously and uploaded XXXX documents for them to look at. before then i did not know who to even talk to. mostly front line CSR 'S that would never transfer me to a supervisor or the right department. sometimes they would just hang up on me. thats how ACS WORKS they give you the runaround. and it does not stop there. when they finally started contacting me through email. they started using secure messaging instead of just email. when i went to use the secure messaging all XXXX of my web browsers warned of security errors do not proceed bad website. i was scared of fraud and ID THEFT. BUT I TOOK A CHANCE AND GOT THROUGH AFTER AN HOUR. this will all be uploaded. then when i was filling out a response after 15 minutes the message would disappear and i would have to start all over again i couldnt deal with it. it seems their messaging system is like 7 years old. i believe they do this on purpose to slow you down and have you give up. it just made me more angry and want to fight. i was a XXXX. i finally talked to somebody on the phone today thinking they would understand. he said if the info i provided was good enough that they take off the payments that happened after my XXXX discharge and leave the ones before. still negative entries on my credit report. i asked for them to be deleted, he said no. i would have to prove my discharge at an earlier date. this is my argument. these guys can report wrong info for 4 years then for 2 years after many disputes and phone calls and emails never returned. now all of a sudden they might report the right info if they like my documents. they report the wrong info causing undue stress and hardship making my credit worse. and now they might put the right info on my reports. i want those accounts deleted. i showed them proof of my XXXX in XX/XX/XXXX yet the discharge did not happen until XX/XX/XXXX i asked for some compassion. my loans were transfered from wells fargo to ACS in XX/XX/XXXXto XX/XX/XXXX. during this time i was already XXXX and spent XXXX different times in inpatient hospital with the VA XXXX for 8 months XX/XX/XXXX to XX/XX/XXXX and i had alot of XXXX. yet they will not work with me even after all their wrong reporting for all those years. they report wrong for years and dont pay a price. they just have to fix it now. wrong.they should be held liable
06/13/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • OK
  • 74003
Web
I requested copies of my loan documents such as promissory notes, applications, disclosure statements, truth in lending docs, as well as original paper work showing the type of loan, loan amount, fees, repayment schedule, interest rate, spread, and amortization table. In addition I requested a payment history with interest rates, amount towards principal and interest with balances. The company ACS stalled for 2 months until I filed a complaint with the XXXX where I was eventually able to get the promissory notes, promissory notes, and interest rates for each of my payments. However to this date I still have n't received the copies of the truth in lending, amortization tables, disclosures, type of loan, interest rate at the time of closing, spread, or anything else that should have been sent out at closure. I just wanted copies of the items I am entitled to as a consumer. The issue I am running into is that no one at ACS will give me a reason as to why I can not have copies of the documents. I get the we will call back, or our system is down, or I do n't see the documents you need, or the send us a written request ( which I have done ). The reason for the run around is that I noticed XXXX of my loans had actually been consolidated without my consent. I originally had XXXX loans for {$5000.00} each. See attachment. ACS calls these loans XXXX. So loan XXXX I found out took XXXX loans and consolidated them into XXXX. Loan XXXX was XXXX loans that was consolidated. Again, none of this was with my consent and at no time did I receive new loan terms. Additionally, I only receive statements and balances for loans XXXX and loans XXXX. There is no indication the loans were ever separate loans. Again see attachment. When I asked ACS about my loans they initially said " We only see XXXX loans '' or " oh, it looks like you had XXXX dispersements. Then I noticed my loan XXXX was now a mixed loan so I asked how it became mixed and the CSR told me " I do n't what a mixed loan is '' So, instead of giving clear exact answers I get excuses and no answer. In my opinion the actions border on fraud and for sure show unfair business practices. I am not asking for anything but explanations on my accounts and documentation. If the company was n't falsifying information and withholding documents then they clearly would share the information without issue. My last complaint deals with the payment processing side of ACS. When I took out my loan I received an amortization schedule that is based on making monthly payments with XXXX or 31 days of interest included. ACS takes my payments and calculates interest from the last payment date to the date they finally get the payment processed. This can be from 30 days to as much as 45 days of interest based on when they process the payment. So even though I make a timely payment they apply part of my payment to interest rather than principal. I have the letter showing how they calculate interest and how much I dispute due to their method. Additionally the method of paying ACS is flawed as well. With most student loan servicers they would count the day they received your payment towards your account even though it may take XXXX3 days. So if they got my payment on Saturday the XXXX interest would no longer accrue and I would get credit for the XXXX even though the payment might not leave my bank until Monday the XXXX. The same goes for holidays in which a payment due date occurs. With ACS they mention the XXXX processing but do not give you credit for the day they receive the actual request to pay or payslip. Thus charging me XXXX3 more days of interest even though I made an electronic payment which goes through instantly with all other non shady companies. Attached are my request to fix my payments.
04/27/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Having problems with customer service
  • MA
  • 02155
Web
Even though I have been a XXXX since XXXX, my student loans started coming due a few months ago because of a promptly fixed error at XXXX ( where I am currently enrolled as a XXXX ) that briefly reported me as XXXX for Fall. I fixed the problem and ACS sent me letters reporting that they received my status and that my loans were on deferment. However, apparently this only applied to my federal loans ( ACS I think only just represents both my federal and private loans ) and this was NOT mentioned in the letter, which suggested all of my loans were deferred. I only found out recently that my private loans are still considered delinquent and I have received an array of misdirection and delays from ACS regarding this issue, even though I call them and XXXX XXXX ( whom I believe holds my loan ) on a weekly basis now. A statement I received today says that unless I pay all of my " delinquent '' payments by Thursday they might refer me to collections and potentially demand the full amount of my loan -- approximately XXXX ( it 's a " Right to Cure '' notice, whatever that means ). The text of these notes is always buried beneath tons of confusing information, so it has been extremely difficult to keep track. I have never received anything resembling a formal letter from them about the delinquency -- this information was hidden in statements. In general, I feel like somewhere I received some bad student loan advice and possibly made some errors along the way. XXXX University in XXXX, where almost all of my loan debt came from, at one point issued me a flat, massive check for double my student loan amount then asked me to return half of that amount a month later ( thank god I 'm responsible -- I had no idea this amount was an error because I did not need loans during my XXXX career and XXXX costs of living are so ridiculously expensive ). XXXX also persistently printed my name as XXXX XXXX when contacting me about student loan issues and printed all of my checks with my name reversed ( or as XXXX, XXXX ) even though I faxed my loan companies corrections several times. I am even a tad bit skeptical that I required private loans in the first place, though I was told that I had hit my cap on federal loans for my XXXX program -- which might have been true. I have XXXX federal loans ( currently at XXXX and XXXX ) and a private loan at XXXX. I know that XXXX had some terrifying student loan scandals in their financial aid office shortly after my time there, but I do n't believe the companies I used were implicated directly. The culture in general did seem to push me towards private loan companies, however. The XXXX University Financial Aid Office was horrifically inept and even though I regularly tried to contact them, I never received any helpful advice or support. In general and partially as a result of XXXX 's bad service, I chose XXXX XXXX because of their quick and easy customer service ( loans are confusing ). Once XXXX XXXX shifted to ACS, I became horribly confused with everything and their customer service quality dropped. I am not completely sure I have documentation of everything -- ACS spams me with confusing mail regularly, at one time including in the same envelope a buried note saying I was in deferment and another buried note saying I was overdue, and the XXXX University conversations were usually in person, over the phone, or via my now deleted XXXX University email address. Information from ACS is hard to sort anyway since it is always buried in fine print and their letters are never formatted as letters, just financial statements with letters hidden inside. That said, I might have a lot of this information lying around still. I try to save whatever I can now. Anyway, sorry for all of the backgroun
06/29/2015 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Having problems with customer service
  • CA
  • 92344
Web Servicemember
My problems with ACS Education Financing are too numerous to summarize effectively but I will try my hardest : Customer ServiceEasily some of the worst I 've ever experienced. Their website is slow and old. I ca n't easily access information such as contact info, documents, payments, etc. It 's a functional atrocity. The only online convenience they offer is payment, but sending in and processing forms must still be done by hand and postal mail. If I need to call they have limited hours, based on eastern time ( So living on the west coast makes it even more inconvenient for me ). If I email, send a payment, or basically try to contact them in any capacity it takes XXXX days for a response/acknowledgement. That 's IF they choose to respond. There have been numerous times where my payments simply did n't go through since their system just does n't make much sense. If I do get responses, it 's usually with major attitude. They try to state the obvious and make me feel dumb and beneath them. They also try to imply that I say things I did not ( even though almost all my correspondence is in email form and I can easily go back and copy/paste my responses ). My last correspondence with them resulted in them sending me the wrong paperwork I needed,, acknowledging receipt in email, saying they will process within XXXX business days, and me having to contact them XXXX business days ( XXXX weeks later ) only to receive the, " You have the wrong form '' response. Last year it took them XXXX months to file a deferment on my accounts. XXXX MONTHS. Of which I assumed they had already applied it. They never contacted me to say my accounts were delinquent when they should have been in deferment, resulting in me and my cosigner with giant hits on our credit reports, and only after repeatedly complaining and threatening with a lawsuit did anyone ever respond to me that had an actual email address and extension. Even then it was thrilling if she even acknowledged my existence. Handling my accountMy account has been bought and sold countless times so far. The original lender is bankrupt. They sold off assets to XXXX companies, who bankrupted and sold to XXXX, who sold it back to those companies, who sold it some mysterious company named XXXX XXXX. When I received notices of these actions, it was just barely in time to question them. When I questioned the sale to XXXX and sending a debt validation request, only ACS responded with old information from the first lender. This also took them an incredible amount of time, yet somehow just shy of the deadline for such requests. I was also denied a response when I asked them to tell me why my interest rates change up and down so drastically. No clear answer on that, just pages of numbers and math XXXX XXXX would have trouble with. Of course I ca n't even contact this XXXX XXXX, only ACS will handle things. Other things : They have also called my cosigner, my mother, and said some nasty things to her, all because someone made a mistake on their end with handling payments and repayment periods. Not appreciated at all. If I have to talk to a collections officer, they are very rude and leave indecipherable voicemails to call them back ( at my inconvenience ). Again, not appreciated. The level of hostility is too much, and they seem to not be able to coordinate between their accounts and billing departments. I think I have most of it here. I have to admit I have become hostile as well a couple of times, but my level of tolerance versus the frustration is extreme here. It takes a lot to tick me off that badly. So yeah, someone should check them out, or come talk to me, I 'd love to have a great conversation with the federal government about how I 'm treated.
03/20/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Can't repay my loan
  • Can't get flexible payment options
  • CA
  • 92264
Web
For eight years - XX/XX/XXXX to XX/XX/XXXX - after receiving my XXXX ( in XX/XX/XXXX ) I consistently paid on my student loan, only to see my loan balance continually INCREASE - from the original debt of {$37000.00}, to {$45000.00}, to over {$50000.00}, then to {$62000.00}, then to {$70000.00}, and now ACS is apparently selling my information to other soliciting companies in the student loan collection/reduction/consolidation business ( e.g., XXXX ) claiming that the figure is over {$79000.00}. My loan started with Direct Loans ( William D. Ford Federal Direct Loan Program ). Around XX/XX/XXXX, my loan was apparently handed over to a company called XXXX ; correctly or otherwise, I began making payments to XXXX. In XX/XX/XXXX, I received notification ( from somebody called XXXX ) that my student loans were being consolidated, via an outfit called XXXX ( XXXX ) Then, beginning in the fall of XX/XX/XXXX, I began receiving correspondence - and payment coupon books - from a company called ACS. I began making payments to ACS, and continued to do so, even after my partner lost his tech job ( after 12-1/2 years ) at Christmas XX/XX/XXXX, and even after we relocated for less expensive housing, and a lower cost of living. Making less money, and less consistently, the growing payments became a struggle. By XX/XX/XXXX, my outstanding loan amount had somehow ballooned to over {$55000.00}. By XX/XX/XXXX, XXXX - not ACS - was threatening wage garnishment on a loan amount they claimed was now over {$62000.00}, through a company called XXXX. I filed for an income-based repayment program ( IBR ) that was apparently processed without issue ( although I 'm uncertain by whom ; the payments I had been making to ACS since XX/XX/XXXX had apparently not been forwarded to either XXXX, or to XXXX ). From that point, in late XX/XX/XXXX, I began to get simultaneous billing from ACS, as well as from a company called XXXX ( as well as from debt-collection companies such as XXXX, and XXXX ). I filed a Forbearance Request in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, via XXXX., which went smoothly enough ( in fact, with the renewal in the spring of XX/XX/XXXX, I was told by the XXXX. rep assisting me over the phone, that - given both the age of the loan, the enormous accrual over time, and the escalating financial burden - that the loan itself would eventually be written off. No, I did n't believe her. ) After XXXX in XX/XX/XXXX, my partner finally went back to work - after nearly 5 years, part time, at first - in XX/XX/XXXX. But the outstanding, mounting debt, loss of income, and medical expenses finally got us an eviction ; in XX/XX/XXXX, we moved in with a friend, as roommates. I tried to file a renewal of the forbearance in XX/XX/XXXX but was now brusquely told that I no longer qualified ; the reason given was the Supreme Court decision in XX/XX/XXXX, that now defined our legal relationship on a Federal level as a married couple ; and that, as a married couple filing jointly ( for XX/XX/XXXX ) I would no longer qualify for a forbearance, income-based payment reduction, balance reduction, or other repayment assistance programs. My response was that I could not afford an additional expense of {$980.00} per month. From that point forward, ACS has become especially aggressive, sometimes calling as many as 6 times a day ( this is in addition to calls from XXXX ). I realize that I 'm not alone, but it 's no exaggeration to say that this situation has ruined our lives. I 'd have no issue paying the original borrowed loan amount - {$37000.00} - at the original 5.125 % rate, and at the {$220.00} per month installment amount, but despite years of payments, the outstanding amount has tripled since graduation.
08/10/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • MD
  • 20874
Web
On Saturday, XX/XX/XXXX, I received a delinquency notice by mail from ACS, the lender 's servicing agent, dated XX/XX/XXXX. I was very surprised as I thought I had made a payment in XX/XX/XXXX and, moreover, the account should have been pre-paid for a period of at least a year, if not two. I had the same issue 10 or more years ago, the servicing agent acknowledged back then the account was pre-paid ( by approximately 4 months ) and I have been paying it further in advance ever since. I checked my bank records and saw no check or ACH payment in XX/XX/XXXX and immediately scheduled a {$600.00} payment. Because it was a Saturday, the earliest the payment could be scheduled by ACH was Monday, XX/XX/XXXX. After scheduling the payment, I used the " contact us '' feature on the ACS website asking for confirmation of the pre-paid status, confirmation that no late fee had been applied, and for the date through which the loan was pre-paid. On XX/XX/XXXX, I received an unsecure email from ACS advising that my account was " no longer eligible for the special benefits of the incentive program '' due to the alleged delinquency. I was unclear as to what " special incentives '' applied to my account, but upon checking the ACS website I noticed they had increased my interest rate from 3.125 % fixed to 4.125 %. On XX/XX/XXXX, I received a secure email, which I was finally able to access with great difficulty. The email very curtly stated my account was not pre-paid and that I HAD been assessed a late fee ( the email stated due to a missed payment due XX/XX/XXXX which apparently meant to say XX/XX/XXXX ). I contacted customer service and while the representative hedged considerably about how far in advance the account had been pre-paid, she did understand that I had been paying in excess of the installment amount for years and said their processing department would review and have someone contact me. The representative also indicated that while a late payment had been applied it had been reversed. I received a statement dated XX/XX/XXXX, which indicated, with the {$600.00} payment mentioned above, the account WAS pre-paid with the next regular payment due XX/XX/XXXX. The {$600.00} payment mentioned above would have advanced the next payment due by no more than 3 months, meaning that as of the time of the alleged " missed '' XX/XX/XXXX payment, no payment was actually due until XX/XX/XXXX ( i.e., the alleged " missed '' payment was made more than 2 years in advance ). The same statement indicated {$6.00} of my XX/XX/XXXX payment had been applied to a late fee. I can not locate a copy of the promissory note, but I is my understanding that pursuant to Federal law and the terms of the Note that excess payment amounts are to be applied to future installments unless the lender is notified otherwise. I have not ever indicated to the lender or its servicing agent to apply excess payments in any other fashion. I attempted to contact customer service at ACS over 3 weeks ago. It was quite late and I was surprised to reach anyone, but I did speak with a representative and described the issue and asked to speak with a supervisor. The representative indicated that no supervisor was available due to the late hour but took my cell number and said someone would contact me. To date, I have heard nothing, by phone or mail or email, the website still reflects the higher rate of interest and I do not see any indication that the late fee was actually ever credited. Copies are attached of the XX/XX/XXXX statement/notice, XX/XX/XXXX statement, unsecured emails regarding the XX/XX/XXXX ACH payment and loss of incentive benefits, payment history from the ACS website and the secure email.
11/29/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Received bad information about my loan
  • VA
  • 23704
Web
I took out a large private student loan with XXXX XXXX XXXX in 2006 to assist with tuition at the XXXX in XXXX, OH. The loan was cosigned by my grandmother who is now deceased. XXXX XXXX XXXX was found to be dealing with institutions to essentially receive kickbacks by having said institutions feed students to their private student loan products ( myself included ). Because of this, the company filed bankruptcy and, unbeknownst to me, my loan was sold to another lender : ACS. The life of the loan to this point had spent most of its existence in a state of deferment as I was still pursuing my XXXX XXXX. When the loan was sold from XXXX to ACS, the terms of my deferment changed and I was left with none. At this time I was just beginning XXXX and realized my loan had changed hands when I called to reinstate another 6 month in-school deferment period on the loan. I was told I had no more deferment time left on the loan and that I had to immediately begin making monthly payments. I did make the payments, although it was always difficult as I was in XXXX, essentially living off of federal loans and a small stipend given to me by my school to get by. The monthly payment quickly became more than I could handle and my payment history became spotty. I repeatedly called ACS asking if I could enroll in some kind of payment plan that would allow for a lower monthly payment but was refused. Consequently, I missed many, many payments. Upon graduating with my XXXX, I cobbled together a decent income by working XXXX jobs : XXXX. My payment history became better for some time - it was a this time that I noticed that despite ALL of the payments I had made the amount of the loan only continued to grow. I realized that ACS was putting all of my monthly payments toward the interest on the loan, so I called to request that a portion of my monthly payment be put directly toward the capital of the loan, instead, but ACS refused. So I watched the loan grow and grow despite my best efforts ( XXXX jobs ) to make what was already a difficult minimum payment for me. I eventually was unable to keep XXXX of the jobs going simultaneously due to scheduling conflicts and I missed several consecutive payments as a result. When I DID have enough money to make a payment, which was in XXXX of this year, I saw that the loan had gone into default. I scrambled to call ACS to see if there was any way I could rehabilitate the loan or come back into their " good graces '' but was referred to their collection agency and given a phone number to call. Upon calling the collection agency, I was told that they " could not find my name in their system '' - - I offered alternate spellings of my name but the agent stated that the loan was not visible to her. I was told I would be contacted by their agency if anything " showed up. '' It was not until 5 days ago that I received correspondence from an entirely different collection agency. I am now stuck with an enormous amount of debt ready to hit my credit report. I 've done a really good job staying on top of all of my other student loan payments through XXXX and XXXX XXXX, as well as my credit cards and other monthly expenditures. I have worked very hard to rebuild my credit and I have finally secured permanent, XXXX employment with hopes of purchasing a home this upcoming XXXX. I am so scared to deal with this collection agency and fear wage garnishment. I would like to settle with the collection agency but have read that they usually request half of the total balance : an amount that is far beyond me. I would very much appreciate any help the Bureau might be able to offer me - I am at a total loss at the moment.
03/15/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Received bad information about my loan
  • FL
  • 32807
Web
XX/XX/XXXX/XX/XX/XXXX, I submitted an IBR re-request on my loan accounts. I have several loans through various servicers. ACS is the only one that requires me to submit paper documentation and to fill out forms and fax thing to them. All of my other loans allow me to access the Federal Financial Aid portal and click a few buttons, connecting me to the IRS for tax return verification and then submit. Over a period of 6 months, I went back-and-forth with ACS over submitting documents and then waiting, and then being told they were wrong. This went on until XXXX XXXX when I finally was so frustrated that I got my file escalated to a high-level supervisor who told me that their underwriting department was at fault, that they had reviewed my loan documents incorrectly and that my IBR was approved. In XXXX XXXX, my husband and I applied for a mortgage. At that time our credit was pulled and I discovered that ACS was reporting me delinquent for 60+ days in XXXX XXXX. I knew this was directly related to the debacle over having my IBR approved and I submitted a copy of the credit report by email and requested an explanation. I never received a response. In XXXX XXXX, we put in an offer on a property and a new credit pull was performed. The error was still on my record and ACS had still never responded to my complaint. I made another set of phone calls and I finally received a phone call from XXXX XXXX around XXXX XXXX saying that my complaint had been escalated and he was going to conduct a review. As of XXXX XXXX I was informed that ACS admits that they have been falsely reporting the credit delinquency on my report for over a year now and that they will fix the issue. However, I am now closing on a loan in 15 days and although I have contacted ACS again to beg them to expedite the request to provide me with a letter to the credit bureaus correcting the error, they are refusing to move any faster than their procedures allow. My loan officer has informed me that since this is the only delinquency on my otherwise-excellent credit, that this error could be costing me at least .75 to 1 % on the mortgage rate we have been quoted, which is approximately $ XXXX in interest over the life of the loan. I informed ACS that I am an attorney, I work in the mortgage lending industry, and I am very aware of the consequences for violations of the Fair Credit Reporting Act. I am demanding that all costs associated with my loan for the additional interest and late fees that I was charged are immediately reviewed and credited to my account. Further, I expect that ACS will be responsible for any costs and damages associated with the false reporting on my credit, as this has likely not just affected my mortgage rate but also the rates for homeowners insurance, car insurance, and credit cards that I have paid over the last year. Unfortunately, I can not quantify anything other than my mortgage rate. If I do not have this resolved sufficiently in time for my closing, and ACS agrees to pay any costs associated with this grievous error, I will not hesitate to take further and more aggressive action to pursue my damages. It is extremely frustrating that a company like this, that is so incompetent and borrower-unfriendly is allowed to remain in business. Consumers have no rights to select or change loan servicers. If I did have the choice, I would have switched away from ACS years ago. I never have a positive experience, I am always blamed for not knowing how their internal procedures work, and I am treated like the errors are my fault. No one has ever apologized for any of the serious errors that have been committed.
05/10/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • CA
  • 90049
Web
I have been on an IBR with for my XXXX loans with ACS ( loan number XXXX ) for the last year, and the year prior. My payments were made on time and for most part fo r two to three ti mes the minimum amount. I believed my re-certification was coming up soon and I was on the lookout for emails and/or mail notifying me of the date to certify. I received nothing from ACS regarding this matter either my email or by mail. In fact I have received NO mail from ACS since sometime in XXXX XXXX ; the exact month I do not recall. I received a letter from XXXX , the guarantor of my ACS loans, dated XXXX / XXXX / XXXX stating my loans were 60 days past due. I believed my loans were current and this was just another scam trying to con me into signing up for student loan relief. I get these all the time. The only reason I hung onto to it was to file a complaint with the CFPB. All this time I have been making monthly payments. Each time I make a payment I receive an email from ACS acknowledging my payment. There was NO mention of the payment being insufficient or that my account was overdue. I was on the site in late XXXX to get my XXXX and saw nothing unusual with my account. By chance last Sunday, XXXX XXXX , I logged on to find my account was seriously delinquent. This was news to me. At the top it said " address is bad ''. Really? So how did I receive a letter from the guarantor? This morning XXXX XXXX I called ACS and requested a supervisor. She said ACS had mail returned by the post office saying my address was bad. News to me. I have had no complaints from anyone else. When I read her back the address she admitted it was the same address they had been using for the last eleven years, actually it is more like 20 years. I confronted her with the fact that XXXX mailed a letter. I said I did not give out my address to XXXX . She admitted they provided XXXX with my address. I demanded to know why they did n't email me like XXXX does. They email an acknowledgement every month I make a payment. She said " they do n't email ''. What century are these people in? She read me a forebearance which I agreed to put my XXXX accounts in forebearance till I can fill out an IBR form. The amount due is well over {$600.00}. A large unexpected sum. She said they attempted to call my three times on my land line. That number was given to ACS 20 years ago. I refuse to give ANY lender my cell phone as it has been proven over time these companies are unscrupulous and reckless with personal information. It has never been a problem with my paid off PEP loan, my paid off XXXX loan, my paid off credit card taken out at school, or my current credit card with near zero balance ; a card I have not been late on a payment in ov er 17yrs. By tonight only the smaller loan was listed in forebearance. The larger loan is still listed as delinquent leading me to believe all of this is just a scam to generate late fees. She said ACS does not report late payments to credit agenc ies till a loan is over 60 days due. The smaller loan is 54 days. The larger loan is 84 days due. That means they have reported to the credit agency. She refused to contact the agency to retract the late payment information saying they attempted to call me. I NEVER use my land line. I keep it solely as a c atch all for scams and marketing phone calls which are relentless. When I checked tonight there were 63 messages ; two of which were messages from my sister. The balance were marketing or scam calls and three ACS calls. I ch eck my messages once every couple of months only to delete them.
12/06/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • CA
  • 94103
Web Servicemember
Dear Sir or Madam, I am filing this complaint with the Consumer Financial Protection Bureau against the loan servicer formerly named ACS Education Services ( recently renamed Conduent Education ) for violations of federal law. I registered with then-named ACS Education Services in XXXX XXXX to make payments on a XXXX XXXX XXXX and institutional loan assigned to that loan servicer. I specifically requested that my financial documents, including billing statements, be delivered to me electronically. Although other e-mails from ACS Education were received properly, no billing statements were provided as required by federal law. In XXXX XXXX, I received a notice from my educational institution that they were changing to XXXX XXXX as the new loan servicer. I immediately attempted to log in to my ACS Education account to retrieve all records of my payment and balance. However, ACS Education had already blocked me out. I attempted to contact them through the web form on their website, which asked for either my account number or the last XXXX of my Social Security number. The web form did not request information as to the type of loan in the account, nor were there different web forms for different types of accounts. The web form rejected my correct ACS Education account number ( provided several times with different formatting ), so I provided my SSN last XXXX. I also provided my full name, telephone number, and e-mail address as required. ACS Education responded with an e-mail requesting that I provide the same information that I had already provided, so I did so. ACS Education then sent an e-mail claiming they could not find " a loan that was ever on [ their ] system. '' At their subsequent request, I informed them that the account consisted of two loans, a XXXX XXXX XXXX and an XXXX loan. Without addressing the institutional loan, ACS Education responded, " The division that you are contacting does not service XXXX XXXX loans. '' However, as noted earlier, the ACS Education web form did not provide for contacting different departments. There were no different forms for different departments, nor was information on the type of loan requested. After contacting the XXXX XXXX XXXX XXXX, I was provided a different e-mail address to escalate my issue. I informed that complaint department that the servicer was refusing to help me and was claiming they had no records of my payments and balance history, and received an automated acknowledgment, but never received a response from the complaint department. Subsequently, I received another e-mail from the " XXXX XXXX '' claiming, " it appears you initially contacted the wrong department hence why they were unable to assist you. '' The e-mail further directed me to my educational institution, instead of providing me with documents reflecting my balance and transactions with them during their time as my loan servicer. It appears that the former ACS Education, as a business practice, is preventing customers from selecting a department to contact and then subsequently accusing them of contacting the incorrect department in order to delay customers and avoid revealing that they have destroyed evidence of their acceptance of customers ' prior payments. Please help me retrieve records that show my monthly balance, interest, and payments with ACS Education -- not statements from another institution that purport to reflect my monthly balance, interest, and payments. I further request that all penalties for violating federal law be assessed against ACS Education. Thank you for your assistance with this matter.
04/04/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Received bad information about my loan
  • MA
  • 02703
Web
My name is XXXX XXXX. I wish to make you aware of a deceiving practice that ACS, a loan servicing company, is engaged in. I am writing to you today to register a complaint with my former student loan servicing company, ACS and the PSLF program website. I am a casualty of faulty information from both ACS and unclear language on the PSLF website. According to XXXX XXXX ( XX/XX/XXXX ) " The ins and outs of PSLF can be confusing at times ... .you are one of the unfortunate borrowers who thought you were progressing toward PSLF forgiveness only to find out that you have n't been .... '' On another website, XXXX it is disheartening to learn that our government is obstructive toward the student borrower. It states, " Because so much money is at issue, the federal government has a huge incentive to make the process difficult and complicated. '' On the PSLF website it states, " Contact your servicer to apply for ... student loan forgiveness and more. '' So several years ago, I contacted my loan servicer, ACS, and inquired whether my loans were consolidated so that I could take advantage of the PSLF government loan-forgiveness program after ten years of XXXX work. My loans were in the Family Education Loan ( FFEL ) Program, and I understood that they may become eligible if I consolidated them into a Direct Consolidation Loan. I asked ACS whether my loans were consolidated and they replied that they were consolidated in XX/XX/XXXX. So I left well enough alone and continued in my XXXX job and paid my monthly loan payments in good faith since XX/XX/XXXX. I understand that XX/XX/XXXX will be the first time loan holders will be able receive loan forgiveness through the PSLF program offered by the federal government. So, I began to gather all necessary employer paperwork and I sent it to ACS in XX/XX/XXXX ( see attached ). I made a follow-up call in XX/XX/XXXX because I had not heard from ACS about the next steps for them to process the loan forgiveness. It was only then that I found out from a customer service representative at ACS that " consolidate '' meant I needed to consolidate my loans with a federal loan servicing agency and that my loan repayments for the past ten years would not qualify for the PSLF program. Instead, during that call in XX/XX/XXXX, ACS finally told me to consolidate my loans with this federal agency so that I could begin the ten-year countdown for loan forgiveness. I am outraged and deeply disappointed in the loan servicing companies that the federal government chooses to sell its loans to. I am certain there are other people out there who have been misled by signing for a " federal student loan '' only to have it serviced by an inept and profit-hungry servicing company -- which by the way, charged me 6.625 % interest and would not lower this rate even after my many inquiries, while the rest of the country enjoyed low-interest rates for the past ten years. I am appalled how our country makes a lot money on the backs of young students and even us adult learners, who need an advanced degree for employment. Each time I inquired about a lower interest rate at ACS, they told me to find a bank to consolidate the loan. Again, if I would have taken their advice and gone to a bank to consolidate the loan, I would not be able to take advantage of the PSLF program at all. What sort of sound advice was that? They were essentially directing me out of a possible loan forgiveness option. I am registering this complaint with the Consumer Financial Protection Bureau and ask that your bureau advocate on my behalf for loan forgiveness.
01/10/2019 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Don't agree with the fees charged
  • IL
  • 60626
Web
I have been paying off my Perkins loan over the past several years. Initially, this lender was called ACS but it is now called Conduent Education Services. Up until recently, I had no problems making payments through their website ; even with the last update on their site clearly showing XX/XX/XXXX. The problem began XX/XX/XXXX, when I tried to contact them to let them know that I had a legal name change on XX/XX/XXXX. I attempted to reach out to Conduent Eduation Services, because I wanted my account to reflect my new name. I went on their website, clicked " Contact Us '' and sent a message asking what was the procedure to have my name updated. When I did not hear anything within a reasonable time, I called their contact number but no one answered. Shortly after that, I could not obtain access to their website to pay my bill. After putting in my required information and after completing the captcha, there was a message saying that a verification code would be sent to me via e-mail in order to complete my log-in but no code was ever sent. I tried several times to log-in to no avail. I began to get worried, because I knew my bill would be coming up soon. I tried to log-on every couple of days but I kept receiving the same message - A verification code would be sent to the email address on file. No code was ever sent ; not even in my spam folder. So, you can imagine how upset I was on XX/XX/XXXX, when I received an automated e-mail from Conduent Education Services stating that my payment was due and if I did not pay it soon, a late charge would be made to my account, even worse, they would report lack of payment to credit agencies, that could affect my credit score. Frustrated, I attempted several times to log onto Conduent 's website, to pay my bill but each time, I got the same result. After doing a XXXX search, I noticed that this is a common theme with this company. Even though I could not log-on to pay my bill, as well as having never been late for a payment ( as my credit report shows XXXX, a few days ago Conduent Service Education reported a negative comment to credit agencies, resulting in my credit score dropping a shocking 47 points. I am beyond upset! I am being unjustly punished for something I had absolutely no control over and did my best to prevent any late fees. Earlier today, XX/XX/XXXX, after having my account reported as being late to credit agencies, I was finally allowed to log-on Conduent Education Services website and pay on my account, ( which by the way still has my former name ), before going to work. However, upon trying to log-on this evening to pay more towards my account, I received a message saying the website did not exist. This is totally unacceptable! The last thing I need is my score dropping again. Due to their incompetence, I feel as though Conduent Education Services should contact credit agencies immediately and get that negative hit off of my credit score! Thanks to them, my score has dropped so low, I am now unable to get the credit card I had been working with a banker to get, that would have allowed me to transfer a credit card balance. This agency should be punished, not me. The first thing that should happen is Conduent Education Services to remove their negative comment from my credit report, so that my score can go back up. They also need to fix their website, so that payments can be made on time. Lastly, they need to contact me immediately, so that I can provide them with the necessary information to update my new name.
04/09/2018 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Need information about your loan balance or loan terms
  • DC
  • 20019
Web
I have three complaints concerning the student loan service Conduent ( which I believe was formerly called ACS ). 1. I was not informed that the interest rate on my loans would be increasing ; and 2. Two customer service representatives were unable to explain how the interest rate on my loans was calculated 3. The Conduent website fails to provide basic information about my loans, including the payment plan currently being used, a schedule of future payments, or even how many payments remain before the loans are paid in full. The website also fails to provide any information about how interest on my loans was calculated. Here 's the longer version of what happened : Conduent currently services two variable-rate private education loans that I obtained from XXXX XXXX while I was in XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX. This month, my payments went up by about 10 % ( from {$180.00} ( loan 1 ) and {$120.00} ( loan 2 ) to {$200.00} and {$130.00}, respectively ). After being unable to find any relevant information on Conduent 's website, I called Conduent customer service to ask why my payments had gone up. The representative informed me that the interest rates on my loans had gone up by approximately 0.7 % each. Although I had known that the loans were variable-rate, this was the first time in years that the rate had changed, and Conduent did not inform me that it was being adjusted. After receiving this information, I asked the representative how interest on the student loan was calculated. She initially replied that it was based on the LIBOR rate. I XXXX the LIBOR rate, determined that it was less than half the interest rate charged on my lowest-rate loan ( ~2.3 % vs ~5.7 % ), and asked again how the interest rate was calculated. The representative then put me on hold for about five minutes, following which she dropped the call. Overall, this call lasted a little under 16 minutes. After my first call was dropped, I called Conduent again. This time I spoke with XXXX, who did his best to be friendly and helpful. However, despite approximately 10 minutes of searching, XXXX, who, again, was doing his absolute best, was unable to explain how the interest rate on my loans was determined. The only information he had available was that my interest rate was based on the 3-month LIBOR rate published in the XXXX XXXX XXXX on a specific day of the month. Again, this could not possibly be the entire story because the 52-week high for the 3-month LIBOR was only ~2.3 %, according to the XXXX XXXX XXXX 's website, while my lowest-interest loan is currently ~5.7 %. After asking several more questions about my payment plan, I concluded the call, which had lasted approximately 20 minutes. I am very frustrated that ( 1 ) Conduent failed to inform me that my monthly payment would be increasing due to a change in the interest rate ; ( 2 ) Conduent was unable to explain how the interest rate was calculated in the first place ; and ( 3 ) Conduent failed to make basic information about future payments ( i.e., payments beyond next month ) available on its website. This information should be readily-available on a loan servicer 's website. Instead, the website simply stated the payment amount due and the interest rate being charged with no outward indication that either had been changed, or how either was calculated. Conduent should be required to provide all information about the terms of a loan on its website.
06/21/2019 Yes
  • Student loan
  • Federal student loan servicing
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 45885
Web
I ordered my credit reports from all 3 bureaus in XXXX because I have recently been denied credit due to my same 2 reports having lower scores than the correct report. I received the reports XX/XX/XXXX. On my XXXX, I had an odd account under the name of " XXXX XXXX XXXX XXXX '' and I know I've never had any accounts with them. I did my research. The debt on my report is listed as " XXXX XXXX '' in the amount of {$11000.00} and there is ZERO account reporting, a disconnected number and the account number isn't valid. I investigated and saw numerous reports of this happening to other consumers as well. I then checked my XXXX report. I had 2 odd accounts using a different company name but for the same type of service, " XXXX XXXX. '' I know this is fraudulent. The 2 company names used on this report are : " XXXX XXXX XXXX. XXXX '' and " XXXX Department of Ed/XXXX. '' I further researched and the phone number is disconnected on one and the other had a different company answer and validate this was not " XXXX. '' The debt amounts are not coincidental. The amount of one is the SAME amount as the other company name " XXXX XXXX XXXX XXXX '' at {$11000.00}. The other is {$9700.00}. Now, I did more research and found that the address listed on my credit report for " XXXX XXXX XXXX. XXXX '' is XXXX XXXX XXXX, XXXX, NY XXXX. The " XXXX Dept of Ed/XXXX '' location also lists a P.O. Box as the address in XXXX, NY. With a simple XXXX search of this address, it comes up a vacant building with no working number. So today XXXX, XXXX I received a response from the CFPB stating they couldn't process my complaint because they could not get in contact with this " company '' because it is not in the system. Well of course it isn't it is a different company working under many different names to scam people out of money. So I did further research today and found that " ACS EDUCATION SERVICES '' has been involved in a government lawsuit just this year where they settled a {$9.00} XXXX FRAUD SUIT with the STATE OF NY who filed charges for fraudulent activities on ACS part intentionally steering borrowers into high interest plans, denying income based plans that borrowers were eligible for and ACS EDUCATION SERVICES scamming borrowers out of more money than they owe so the company can profit!!! ( All Lawsuit documents attached ) Upon further investigation, I looked into ACS and found that their publicly listed address is : XXXX XXXX XXXX, XXXX, NY XXXX!!!!!!! So ACS is part of a lawsuit that just finished up in XX/XX/2019, and now they think they can continue to defraud people by reporting false debts NOT OWED to them under different company names to try to get money??? They think people will just send them money to pay on credit report debt since they are sneaky and not attaching ACS 's name to it on your credit report????? The damages to a consumers life is being ignored by ACS Education Services. I have faced many credit inquiries trying to get loans, tons of recent credit denials because this company is fraudulently reporting over {$20000.00} in debt on my report that is NOT MINE and NOT OWED TO THEM!!!! I have had to spend countless hours on the phone with credit bureaus, proving my innocence in this matter and making complaints with federal agencies. They need to be stopped NOW! I have recently filed a new dispute to have an investigation launched into ACS Education Services practices at this moment in time.
02/07/2018 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Problem with customer service
  • NC
  • 28078
Web
ACS and now Conduent have exhibited nothing but incompetence in the years since the servicing of my loan was taken over by the company. With my original servicer, I maintained one account and made one payment. Upon the transfer of my account to this company my loans were split into two accounts, which I was not made aware and therefore did not make payments on one of them for a few months. Additionally, I now make a payment per loan instead of one payment for all loans. Two accounts, multiple loans per account. This bifurcation of accounts seems to be a minor inconvenience, however, it proved problematic again a year later when I submitted paperwork for IBR re-certification. Again, it was not made clear to me that, even though I am but one person submitting paperwork to one company, I have to submit two applications. One of the accounts was put into IBR, the other was not and I had to defer and re-submit the information. Additionally, the process for re-certification requires paper. That's right, in 2018 I'm still printing forms ( TWO! ), writing with ink, and mailing the forms in hopes ( fingers crossed! ) that they'll be received and processed. I have another servicer - AES - with whom I fill out an online form and receive confirmation that all is complete in the same 24 hour period. With ACS/Conduent, it takes weeks. Further, regarding re-certification, this past year I re-certified with both forms for each account, making sure to write the account numbers on the forms. Weeks later I received notification that spousal certification was required with NSLDS. Knowing how things usually go with ACS/Conduent, I followed up with an e-mail via the web portal to Customer Care ( Yes, one for each account! ) to ensure that the NSLDS spousal certification was complete and my IBR re-certification could be processed. It wasn't. I received notification that my loan payment would triple. I contacted customer care, worked with them to resolve, and ultimately figured it out. Two interesting things have happened during this last round of confusion : 1 ) After my application was received and spousal certification complete and conversation had with Customer Care to resolve the re-certification issues, the customer care associate who I was working with called, having confused me with another borrower and told me information that did not relate to my accounts. I was confused and explained who I was. She called back later to explain that my IBR had been accepted and she had made a mistake. I thought I was out of the woods. I apparently am not. After this last confusing conversation with customer care, I logged into my account and noted that my payment date had changed from the XXXX of each month to the XXXX. I adjusted my budget to account for this, but ACS/Conduent strikes again : here it is XX/XX/XXXX and the funds have been taken from my account. This is absolutely unacceptable and I will be scrambling to ensure that my bank account does not overdraft. None of this makes any mention of the fact that my account, though having been on auto pay for years, frequently reflects late fee charges. I once reached out regarding these and was assured that they were cleared. I logged in and some of the charges for some loans were cleared. I needed to call back once again to have the rest cleared again. Since then, I've seen late charge fees listed and just throw my hands up.
12/31/2015 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Having problems with customer service
  • UT
  • 84737
Web Servicemember
I am an XXXX military member who financed a XXXX school education through private lenders. I was forced to pay the entire tuition up front. The school was never able to properly train the students, and it eventually shut down before I was awarded a degree. I am now stuck with $ XXXX in debt and nothing to show for it. I spoke with XXXX XXXX XXXX at the XXXX XXXX Legal Assistance Office, and he referred me to the CFPB and Office of Service Member Affairs. XX/XX/XXXX I began XXXX through XXXX XXXX XXXX in XXXX XXXX XXXX. This was a XXXX accelerated program which I was told would take 6-8 months to complete. To no fault of my own, I was continually faced with significant delays in my training due to poorly maintained and XXXX, lack of available instructors, etc. In XX/XX/XXXX, after 26 months of training, the school unexpectedly closed leaving myself and several other students unemployable with incomplete training and mountains of debt. XX/XX/XXXX, the owners of XXXX XXXX XXXX filed for Bankruptcy under Chapter XXXX and I was settled with a significant amount of student loan debt for training I had not yet received. I was told by the Bankruptcy court that through Chapter XXXX Bankruptcy, no action could be taken against the owners and that private student loans could not be forgiven through bankruptcy. At this time we also learned that the school was not bonded as required, and that the State had been investigating the company for some time now. They had little to no assets. The next several years were spent working on my XXXX XXXX through XXXX University and working as much as possible to support my wife and I and to pay off my debts, all while trying to figure out how to complete my education to qualify me for a job as a pilot. XX/XX/XXXX I learned of the XXXX program through the XXXX and began the application process right away. XX/XX/XXXX, I was selected, and just days after my XXXX son was born, I joined the United States XXXX. In XXXX I left for XXXX, and upon completion of XXXX I was sent to XXXX XXXX XXXX to attend XXXX. After becoming a XXXX, I successfully completed XXXX and started XXXX, which I completed and graduated from just last month as a XXXX XXXX. The time since XXXX XXXX XXXX 's closure has been especially trying both financially and emotionally for my wife and I. It has placed a significant financial hardship on our family as we 've struggled to meet our needs, provide for our XXXX children, and have had to place all other financial goals on hold due to the substantial amount of student loans we are paying monthly. We pride ourselves on our desire to be financially responsible and to maintain a good financial standing and feel we have managed these loans to the best of our ability, however it is becoming increasingly more difficult to manage. We feel especially blessed and grateful to have found the avenue we have through the XXXX XXXX and we are pleased to be a part of the XXXX 's aviation family, however the reality is that we continue to face the consequences of the schools dishonest dealings on a daily basis and will for many years to come until we are able to pay off all of these debts and the substantial interest they 've been accruing. We sincerely appreciate any help or assistance you might be able to offer on our behalf and thank you for considering our claim and looking into this further for us.
05/01/2019 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • FL
  • 34120
Web
1st - I sent CONDUENT a letter on XX/XX/XXXX via certified mail. I received no reply to my letter. The letter is as follows : Conduent Borrower Services Department XXXX XXXX XXXX XXXX, NY XXXX To Whom It May Concern : This letter is my formal request that you completely remove the following debt from the National Student Loan Database, studentloan.gov, any credit reporting agencies, and your records. This debt was consolidated into an income driven repayment loan with XXXX XXXX on XX/XX/XXXX, and has been recertified for eligibility every year since that time. I have also recertified eligibility for Public Service Loan Forgiveness each year. This is the first year your debt has appeared on my student loan account at studentloans.gov. I do not owe XXXX XXXX any money and I do not owe your debt collection company any money! Please send me a letter immediately confirming that you have complied with this request. Do not call me. If I do not hear from you within 10 days of receiving this letter, I will write to the U.S. Department of Education and ask them to assist me with this request. INCORRECT PLEASE REMOVE : Total Borrowed : {$3500.00} Outstanding Principal as of XX/XX/XXXX : {$3500.00} Outstanding Interest as of XX/XX/XXXX : {$30.00} Interest Rate : 6.80 % Date Entered Repayment : XX/XX/XXXX Most Recent Payment Effective Date : Loan Period Begin Date : XX/XX/XXXX Loan Period End Date : XX/XX/XXXX School : XXXX XXXX XXXX XXXX Enrollment Status : WITHDRAWN as of XX/XX/XXXX Loan Disbursement Date Disbursement Amount XX/XX/XXXX {$1700.00} XX/XX/XXXX {$1700.00} Loan Status Status Effective Date ABANDONED LOAN XX/XX/XXXX IN REPAYMENT XX/XX/XXXX IN GRACE PERIOD XX/XX/XXXX LOAN ORIGINATED XX/XX/XXXX CORRECT LOAN WAS CONSOLIDATED : Cumulative Payment Amount : {$0.00} Date Entered Repayment : XX/XX/XXXX Most Recent Payment Effective Date : Loan Period Begin Date : XX/XX/XXXX Loan Period End Date : XX/XX/XXXX School : XXXX XXXX XXXX XXXX Enrollment Status : WITHDRAWN as of XX/XX/XXXX Loan Disbursement Date Disbursement Amount XX/XX/XXXX {$3500.00} Loan Status Status Effective Date NON-DEFAULTED, PAID IN FULL THROUGH CONSOLIDATION LOAN XX/XX/XXXX IN REPAYMENT XX/XX/XXXX IN GRACE PERIOD XX/XX/XXXX LOAN ORIGINATED XX/XX/XXXX Sincerely, 2nd - I sent a letter to the student loan database on XX/XX/XXXX certified mail. I did not receive a reply to my letter. The letter is as follows : XX/XX/XXXX Director, National Student Loan Data System, FSA U.S. Department of Education, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DC XXXX To The Director : I sent a certified letter on XX/XX/XXXX to Conduent Borrower Services requesting the removal of an erroneous debt attached to my name that Conduent submitted to the National Student Loan Data System without my knowledge or approval sometime during the last year. As of XX/XX/XXXX, I have not received a reply to my request and the debt is still listed on the National Student Loan Data System. Would you please help me with removing this debt? I am attaching a copy of the letter I sent Conduent to this letter. Thank you in advance for your help removing this erroneous debt from my record. Please let me know if you need further information. Respectfully yours, Would you please help me get this incorrect balance removed from the FSA loan database?
05/10/2017 Yes
  • Student loan
  • Private student loan
  • Struggling to repay your loan
  • Can't temporarily delay making payments
  • SC
  • 29072
Web
XXXX of this year, I did not realize that I no longer had the six-month forbearance after my graduation had been conferred in XXXX of XXXX . In XXXX XXXX , I started receiving calls from a collection agency asking for either the full payment of {$780.00} to bring me up to date or {$390.00}. When I inquired as to why I was receiving these calls at this time, it was then that I was informed that I no longer had the six-month grace period but the notice that was sent to me in XXXX was the actual bill for XXXX payment of {$390.00}, not a warning statement for XXXX XXXX . I was a lso told that since ACS is private student loan lender it is up to their discretion as to when they would schedule their loan repayments. To try to get back in front of this loan, I requested a reduced loan payment plan. This took approximately one month, during which debt collectors were still calling me. I had three, 3-way calls to verify that I had applied to lower my payment with the ACS debt collectors, the ACS representative and I. It was not long after the last of these 3-way calls that I was demoted to XXXX XXXX XXXX . My employees organizational move, due to budget cuts, has put me in the unexpected place of no longer having a steady income. When I called ACS tw ice, after my demotion for further assistance I was told the first time that I would need to reverse my current forbearance and payment plan so that my account could be like it originally was and then apply for a hardship forbearance. The following week when I called back to check and see if that was the correct procedure ( because that did not soun d right to me ), this representative told me that ACS is a private student loan lender and they are not required to nor will they assist me any further because I have used all of my deferments and forbearances. Hear this news, I felt hopeless and happened to stumble across the Better Business Bureau ( BBB ) website. I participated in the live online chat and the BBB representative told me that I could file a complain t with their agency either by paper or internet, I was also told that I could also contact the Consumer Financial Protection Bureau ( which I will do also ). The following day, Tuesday, XXXX XXXX , XXXX , I filed an online complaint with the XXXX , PA BBB, which at the time h ad 48 complaints against ACS. In my complaint, I stated that I did want to hear from the ACS directly to hopefully address and resolve this issue. On Monday, XXXX XXXX , XXXX , I received a call from th e ACS office. The ACS representative once again informed me that there is nothing that they can do to help me because they are a private lending company and they do not have to do anything additionally to assist me. I have already taken advantage of all of the deferment and forbearance offered by the lender. She also stated that I was granted forbearance and a lower payment scheduled ( hence the {$190.00} for six months, {$290.00} for six mo nths, {$310.00} for one-year, {$430.00} for 163 months, and {$430.00} for the final payment for a total of {$77000.00} for an original loan amou nt of {$39000.00} ). But they have no additional options to assist me during my current period of unempl oyment.
06/15/2015 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't get flexible payment options
  • MA
  • 02149
Web
At the age of XXXX years old, due to my poor decisions in terms of agreeing to take out private loans, and my inability to pay them when I was supposed to pay them, I now currently have XXXX lawsuits against me. XXXX is for a credit card, totaling the amount of XXXX dollars of which I had used to pay off some student loan debt, and the other for the XXXX student loan in the amount of $XXXX dollars. These lawsuits have essentially ruined my credit, have placed me in an impossible position to receive any form of refinance from any lender to lower my outrageously high interest rates with XXXX and ACS. I honestly believe that these XXXX lenders are ruining the lives of XXXX of borrowers. They are in my opinion the definition of unconstitutional and illegal and should be ashamed of their deceptive and manipulative practices. They have preyed upon thousands of young people and have placed us in a terrible predicament. Their business practices are downright sneaky and misleading. I recently spoke to both ACS and XXXX today and told them that I was filing bankruptcy due to my poor financial situation. I have been working with XXXX these lenders now for several years and it wasn't until I did a lengthy amount of internet research that I found a number for XXXX that allowed me to speak to a woman named XXXX who offered that I enroll in what is called their "interest rate reduction program." This program has NEVER been offered to me before. Every time I have called them, I am given the run around and connected to different lines and even hung up on. XXXX however was very helpful and did an over the phone application with me to see if I qualified for this program. Unfortunately, she told me that I did not qualify because I make too much money. This is almost comical considering I make XXXX dollars a year, live at home with my parents and have an insurmountable debt totaling XXXX, XXXX of that being student loans. I am not claiming to be a mathematician by any means, nor do I have my degrees in that either, but these numbers don't add up to me. Do I essentially have to be living on the street, without any form of income, and no food in my stomach to qualify for any form of relief from these lenders? After this discouraging conversation, I got on the phone with ACS and was literally laughed at. The woman who I spoke to was literally laughing when I told her I was filing for bankruptcy and was requesting to have my interest rate lowered. It had taken me well over half an hour just to locate a feasible phone number for this lender because every number posted on their main homepage brings you to an automated recording and doesn't give you the option of speaking to a human being. After speaking with XXXX lenders, I have unfortunately made the decision to file for bankruptcy. Never in my wildest dreams did I think that I would ever be in such a position because of education. I know it is very unlikely I will be able to have my student loan debt discharged in bankruptcy, but at this point I am willing to go in front of a judge and roll the dice because I am all out of other options.
05/31/2017 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Don't agree with the fees charged
  • IL
  • 60458
Web
When I finished my rehabilation program with XXXX my last call from them was to congratulate me with completion of the program and to state a new lender would have my loans. After a few month I was awaiting for information from the new lender ( phone call, email, mail, etc ) and I never recieved anything, I was only made aware of my new lenders by randomly checking my credit report and saw XXXX XXXX on my credit report and their contact information. When I called XXXX XXXX 2017 ( picture of call history attached ) I begin to express my concern of why they are on my credit report who who where they. Well, they begin to tell me and also expressed to me that I am 75 days past due and I owe ( around ) 900 $ dollars. I asked the advisor what information did they have on file for me because I have never recieved a call or mail or email stating I owe or need to pay anything and she begins to simply apologize to me and told me she would send me over an email for student debt loan forbearance letter, income driven repayment plan, and an email update request and that was it and I though in the email that would explain why I owe money for late fees. I eventually called back 2 weeks later to ask for the email again that would email why I owe them late fees and I again stated my concern about why I did n't fell I needed to owe any additional XXXX $ late fee due to the fact they never sent me any documentation that I needed to pay anything. I figured the first time j called they stated I had and old address, email and phone number on file that they probably send information to the wrong address. The advisor did not answer my question effectively or give me clarity so I requested to speak to an manager. I expressed again my concern to the ( now ) financial manager and I was put on hold several times during the duration of the call and my phone end up dying, so I called back the op financial manager. She put me on my finally hole ; I 'm guessing to check out what was going on and came back on and states to me " that they did in fact have my updated address on file since XXXX but the mail kept returning back to them '' I then asked it this pieces of mail something I would have to sign for? '' she said " No '' so I said, then why have I not recieved the mail if 1. I do n't have to sign for it and 2. You have my updated address ( which is an aparment and you can just put it in the mail box ) and she said I should have went to check my place of delivery to get it. Since XXXX I have been to my local post office and no form of mail was for me except packages for something completely different. So ... I do n't feel I shoukd have to pay an additional XXXX $ late fees and I never recieved any form of paperwork, mail, or email about them having my loans in the first place. I want to only be responsible for what I owe them originally which should be my student loans. Attached are screenshot or my call 1 call to them email of the only and 1st documentation of their existence and resolution to my " late fee '' problem.
10/21/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Having problems with customer service
  • ME
  • 04841
Web
ACS I believe they are a total fraudulent scam of loan service providers if they truly are. They are supposedly servicing my loan from XXXX in XXXX, MA. I have had a few dealings with them since XXXX. They always tell me my address and/or phone number is incorrect. That they have corresponding with me consistently over the course of time by postal mail and e-mail. They also have my mother 's contact information This is not true. I have n't received anything from them except right after I left school and once about a year ago. Since then neither of us has received anything. I instantly received something about a year ago that I was going to have a payment due. I supposedly got a deferment from them from XXXX XXXX to XXXX XXXX. I have called them numerous times over this years time for documentation of some kind and information over the phone but I 'm always given the run around because I always speak to a different person who has no idea what they are doing or anything about my loan except an overdue balance with interest and late fees attached. They informed me over and over again that it is my responsibility that I owe it whether I received any correspondence or documentation from them at all. All of a sudden I get correspondence from them twice after contacting them these last few months and weeks. I have ask numerous times for paperwork to allow my mom to speak on my behalf and they said they have sent it but I 've never received anything. My interest rate is an astonishing 10 % interest rate and I have been told they can do nothing to accommodate me with my loan. I just need to pay the amount due. My recent correspondence states that I am over due by almost 2 months. The next one I received says I 'm only over due a few days. I have been told that I can not consolidate or transfer to a different company. The last two weeks they have called my personal phone numerous times a day 7 days a week while I 'm working. Numerous times I asked for paperwork to defer my loan again to no avail. I believe this company needs to be fully investigated for fraud and scamming individuals financially. The people are very rude and unhelpful. I believe they have purposely misled me and have hung up on me numerous times when I have called asking questions concerning my account and they ca n't answer the questions I ask except with a scripted answer for everything with no concrete answer. Supposedly from what I have read online sometime in XXXX school loans were transferred from this supposed XXXX loan servicer if they are one to other companies so why do I still have them as a true servicer of my loan. Numerous people have submitted complaints about these people and I believe that they should be held accountable to all the financial practice laws. I have recently filed a identity theft report with the Federal Trade Commission about this company. This company has many many different phone numbers and addresses with which to contact them.
06/12/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Problem with customer service
  • IL
  • 60607
Web
I refinanced some of my student loans with XXXX. They sent checks to all of the lenders that we are paying off. All of the checks were received and cashed by all of the lenders except ACS education loans. After realizing its been a month and they have not cashed the check I began to investigate this issue. I tried calling there customer service line which is impossible to get through to. It says my account number and social security number are not valid and wo n't let me call. If you do n't have either of these then you can not get through on the phone. So now I can not contact my loan company via the telephone so I try to email them from there automated emailing system on the website. I get a reply 6 days later that is completely inaccurate. They stated that my last payment wasXX/XX/XXXX for {$150.00} when my last payment was actuallyXX/XX/XXXX for {$300.00}. XXXX sent them a check XX/XX/XXXX to pay off the remaining balance. So I attempt to call them again after I received a reply 6 days later. Still not able to access them via the phone because its claiming my account and social are not correct. So I do some research and find another number to call. This number accepts my social security number and I am able to select options to attempt to talk to someone about my issue. After selecting the correct options I was on hold for an hour. After ONE hour of waiting for someone to answer the representative answers the phone he notifies me that the system is down and they are not able to answer any questions or access my account. When I asked if there was another number to contact them he said there was not. And that there was no email to reach them other than the automated service on the website. I asked him what the policy if they received a check from a lender and he said it would be cashed within 7-10 business days. I just would like to be able to contact someone that I am giving THOUSANDS of dollars to. It is impossible to get ahold of them and I do n't know if they received a check or not. Also, my account is still open and accruing interest so I can not make payments towards it if they are going to cash a check for the full amount. But once the account goes past due then I am going to be responsible for these fees. I also started to look up the company and found hundreds of people in worse situations with this company. It seems like this may be a trend that this company is XXXX people over to get as much money as they can while making it virtually impossible to get ahold of. Who do we have to protect us and help us out when this is happening? Some of these people are spending every dollar they make to make payments to this company and we ca n't even get an answer or response from them. Then they can report us to credit agencies and ruin our credit. This company needs to be investigated and we need advocacy when this is occurring. Who do we turn to when this company bullies us for our money and it is not fair?
03/27/2015 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't temporarily postpone payments
  • IL
  • 60640
Web
I attended XXXX XXXX XXXX from XXXX. I took out private loans. I have since been repaying them on time. I only had XXXX six month forbearance for the life of the loan and used that in XXXX. I was laid off last XXXX and was collecting unemployment insurance. That ran out at the end of XXXX. I called ACS Education who I make my payments to and requested some sort of hardship forbearance. This was on XXXX XXXX, XXXX and I spoke to XXXX XXXX. This call took place around XXXX central time. I made my request, she put me on hold, then came back and told me that I was granted a two month hardship forbearance. She told me that I did not need to pay my loan for the months of XXXX and XXXX XXXX. I explicitly asked her to confirm and she told me not to pay my loans for those months. They have the call and record and you will be able to retrieve it. She sent me the forbearance request form to sign and I signed it and emailed it back to her. In the beginning of XXXX I received a call from the ACS collection department. I told them I had applied for a forbearance and they explained that it was still in the approval department. At no point was I told to make a payment for XXXX or XXXX. In late XXXX I logged into my account to see that I had XXXX past due balances. I called to inquire why this was only to find that the forbearance request was denied. I explained the situation the representative, XXXX, said she would research it. She did over a few weeks. In that time, I received a call from XXXX and XXXX, a collection agency who is extremely nasty. In the time they were researching this situation, ACS reported me to a very nasty collection agency who demanded I make payment. I researched this and contacted XXXX, and called XXXX and XXXX. back only to find out they had sent the case back to ACS. XXXX then contacted me a few days later I was told that they went back to the lender who denied the forbearance. I then requested to speak to her manager. I told him that this was on ACS for giving me misinformation and that I want them to credit me for the total past due which is {$620.00}, as I can not pay it. He said he 'd look into it. He called me back yesterday denying my request. In XXXX separate calls, admitted this was the fault of the ACS represntative. XXXX of those calls was on XXXX/XXXX/XXXX at XXXX central time. Again, I urge you to pull that call for this investigation. I was basically told this was their fault, but that I have to pay the past due. I was not offered a payment plan or anything. I was simply told that I need to make a payment by the end of the month or it will be reported to a the credit bureaus. This is beyond unacceptable. I was TOLD to not pay my loans for XXXX months by a representative of ACS. They are ADMITTING fault, and yet refuse to work with me. They must make reparations and pay for the XXXX past due balances, a total of {$620.00}.
08/17/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Don't agree with fees charged
  • IL
  • 61883
Web
My name is XXXX XXXX. I attended University XXXX XXXX and XXXX XXXX University Online classes XXXX. I graduated XXXX XXXX. If I could go back in time and reconsider I would NOT attend college. For XXXX reasons, the debt that I am left with now is IMPOSSIBLE to pay back in full before I die and the second is that education is NOT recognized in the workforce and it 's useless. I have NOT landed a job to utilize my degree credentials since I 've graduated 6 years ago. I divorced in XXXX and the loans I took out prior to that were based on my ex-husbands income and now I struggle as a single mom of XXXX kids trying to stay afloat in our expensive economy. I have done forbearance that just got me more interest and higher amounts owed. I then went to repayment by income, I make my small payments as required but I can NOT buy a home so that my payments are smaller than renting. My total debt to income ratio is too high and causes me to have a lower credit score. This student debt is consuming my every chance in life to succeed as a mother and a working citizen. I am just asking for some help. Student loans are NOT feasible for anyone 's future. I have to say if I could give back my degrees in exchange for my debt relief I would in a heartbeat. I want to ask a couple of questions, if someone is unable to pay back their student loans and go into forbearance or loan deferment status 's, why on earth would they be charged additional fees on top of what they are currently unable to pay? Loan establishments are greedy and nobody truly cares about our country success! This is a manipulative vicious cycle that sets us up those who are actually trying to make a difference in our own lives as well as others for complete FAILURE. NOW, I am against college or furthering knowledge beyond high school with this as my own personal experience from trying to do the right thing in life and show my kids the importance of higher education. I have to have XXXX jobs just to make ends meet providing a life for me and my kids barely making XXXX a year. Is there anything I qualify for that I am not aware of to get some assistance in student loan debt relief? I am at the last point here, I do n't want to struggle any longer I 'm not asking to be rich, I am asking for any help in eliminating some or all of my student debt if at all possible. Like I said before I 'll give back my degrees as they are no longer of importance to me. Also student loans are confusing, I believe I have both federal and private loans totally over {$64000.00} only to walk away with an XXXX and XXXX that are not acknowledged for me to get a job. I 'd appreciate any correspondence regarding my issues and pray to XXXX that I 'm taking seriously and receive some sort of assistance in digging out of underneath this impossible student debt.
02/27/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 94107
Web
Hi, I have recently found out through my credit report that ACS/Conduent education, a loan service company that works directly with XXXX University, has filed multiple reports against my credit, because of delinquent payments. But on the report it doesn't state why my payments were delinquent. I am always on top of my loan and debt repayments ; however, ACS is an unreliable company which makes repayments almost impossible. My loans first became due on XX/XX/XXXX. Since that day until XXXX of XXXX, I made several attempts to repay my loans by either visiting their website or calling them. Whenever I visited ACS 's website I encountered a message claiming that " service is unavailable ''. This happened every single time I visited their website. Since, repayments through website was obviously not a solution, I attempted calling the company on various days at various times. I would either receive a busy tone, or the call would keep ringing without anyone ever responding. To investigate this further, I called XXXX University 's loan and financial department, and a represintive went over different possibilities. They told me that ACS often has these problems, and it is very like that they are changing the service provider for those loans, and I shouldn't worry about. That was a relief to hear as ACS seemed very shady in the way they conducted business. Unavailable website and customer service can be very very alarming. This company has wasted a lot of my time from writing this complaint, calling them, visiting their website, etc. I shouldn't chase after them and waste every day of my life to hopefully catch their uptime. This is unreasonable. On XXXX of XXXX, I was able to access their website, and realized they are still handling my loan. Their website 's interface is not intuitive and errs on the simplest actions and inputs. Even with all these obstacles, the first thing I did was to setup ACH so that they could directly transfer money from my bank account. Again, this was the first thing that I did to prevent any delinquent repayments in the future. I believe the way that ACS handled my case is absolutely wrong and bizarre, since they provided no medium for me to take care of my repayments at all. ACS 's business is very concerning and suspicious. No transparent communications, no website, and no customer service. Even as I am writing this the website is unavailable. However, this time it doesn't even show any messages, the website just doesn't load at all. I have tried to load the website in different browsers and still no luck. I have attached the picture of one of the instances when I visited the company 's website to make a payment. This problem was so frequent, I took a screenshot. In case something like this would ever happen. I am glad I did.
10/26/2015 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Need information about my balance/terms
  • OH
  • 43201
Web
When beginning my college career at XXXX XXXX University, I had a federal loan. My second year I had missed a deadline and had to get a private loan. I came across ACS and they were willing to help me. I ended up using them throughout my years at XXXX from XXXX to XXXX and it was great. They recommended deferments etc. when I finished as I was not making a lot of money. Once I was no longer able to do push back any further, the nightmare began. I told them I could not pay what they wanted at the time and wanted to give them as much as I could. I even sent them my pay stub! Anything I could do to show them that I was just hurting and want to pay. Customer service as ACS is ridiculous. No one is willing to talk to you. help you, and they follow up on nothing. I continued contacting them on the same issues over and over and paid everything I could. It got to a point where I wanted to get a lawyer to help me. After hearing no response from ACS at all and just paying what I could on their ridiculous payments, fees, interest rates ... I receive a court letter claiming ACS is suing me. I had the opportunity to rebuttal and sent everything I could to the courts. All the emails between ACS and I, payments ... everything. I wish I could have the phone calls that they " record '' while attempting to speak with customer service. Well, my rebuttal to the situation was obviously denied by the judge because ACS is big business and no kid can stop them. I go to a lawyer to see my options. He says I can not file bankruptcy on private loans and I should just pay them! Not to mention this whole time while making payments and fighting with them I am being assessed a ton of fees on XXXX separate loans from them. So, finally we reach a point where we settle on a payment starting XXXX XXXX at {$210.00}. That 's great except it is all going to late fees and interest. Then XXXX XXXX they raise it to {$310.00} and that is all going to interest now. I ask them why it went up and all they can say is that that 's just how it is. I have {$170.00} TOTAL paid to my principal. Now today as we speak I have not missed a payment since we agreed to this settled payment amount ( well that lasted 1 year and was raised ) and now I go to schedule my payment and it is all zeroes and says " in collection ''. I am sorry if this story sounds long, jumbled, and crazy but I have been fighting with this company for so long that it really is crazy. I just feel like there is nothing I can do but sit back and get robbed with no help from anyone. These guys need to be shut down. I will tell anyone going to school do not mess with ACS. I saw consumer finance and this just seemed like a place who would listen and maybe give me a louder voice. Thanks for the great work.
06/27/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • GA
  • 30067
Web
I received a Perkins loan through XXXX XXXX College several years ago. I am still a XXXX XXXX XXXX and the loan should be in deferment.

XXXX XXXX College forwarded the loan to ACS campus products and services in order to service the loan and I am now receiving letters that my loan is in repayment and past due.

I have tried contacting ACS customer service SEVERAL times via telephone and they do not respond to any calls. I am left waiting for a representative while background music plays and states " thank you for calling, your call is very important to us. Please stay on the line and your call will be answered in the order it was received. '' After 15 minutes the line goes dead and the phone call is ended. This is consistently. Over 10 phone calls.

I have also tried contacting XXXX XXXX College financial aid. Apparently, XXXX XXXX has outsourced their financial aid phone calls to an answering service. I have called 4 times and have spoken to 4 different individuals who do not know anything in regards to handling this. Two representatives have even told me to contact XXXX XXXX financial aid ... which is exactly how I got to them in the first place as all XXXX XXXX financial aid calls are handled through them. I asked to be transferred to a supervisor - which they said they could not do. I asked to be transferred to someone in the actual financial aid office at XXXX XXXX college and they said they do not have the ability. I asked to speak to the dean of financial aid and they do not have that information.

I called XXXX XXXX college 's general information number and spoke to an operator who stated they only had the same phone number as I did in regards to financial aid and confirmed that the calls were being outsourced. I asked to be transferred to the dean of financial aid and they were not able to do that either.

I am basically unable to get information on my loan and unable to provide information to process a deferment.

I find it to be in extremely bad taste that XXXX XXXX college has chosen to outsource such a critical department to a third party in which sensitive information is held, given, and provided and that they do not have a way to handle students concerns such as mine with direct assistance from somebody at the XXXX XXXX financial aid office.

I also find it to be extremely concerning that a loan servicer, such as ACS campus products and services, who is supposed to assist and facilitate student requests on information about their loan has such an insufficient customer service system to the point that it is neglectful and could lead to major financial issues for those who have loans serviced by them by inappropriately reporting late payments and defaults onto credit reports.

07/09/2018 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • AZ
  • 85297
Web
Please note that anything I say here, I will say under oath in court. This is 100 % truth and we swear on the lives of our children that we are being honest and sincere. In XXXX, our student loan was under forbearance through XX/XX/XXXX. I remember getting the confirmation in the mail in the summer and double-checking that it was for this loan. I remember vividly the relief I felt when getting the forbearance, as we are struggling with unemployment in our family. In XX/XX/XXXX, I submitted another forbearance form for XXXX as our struggles continued. In XXXX, we received a default notice from XXXX, a collector for ACS. This destroyed us in many ways. Primarily because of the shock of it - we were under forbearance! We worked so hard to rehabilitate our loan back in XXXX, that we were being very careful. Common sense alone says that we wouldnt have ignored this for 270 days - which is what is needed to default on a loan. I asked both ACS and XXXX to do an audit of your forbearance system, as ours apparently slipped through the cracks after we received the approval letter in the summer of XXXX. Plus, we would have received almost 9 months of collection letters and probably collection calls almost daily. We did not. Why? Because we were in forbearance. Again, common sense, we still had 24 months of available forbearance time on this loan. Why would we ignore ( 1 ) 270 days of collection calls ( 2 ) 9 months of mail and risk defaulting on a student loan where it only took one forbearance form to relieve us of that? Even circumstantial evidence shows that something went haywire here. Again, please remember that Id say this same thing under oath. This is not one of the common excuses that Im sure you may hear routinely. Ill swear my life on it. This is not a mistake that we can live with, as it has a devastating effect on the financial future of not only the two of us, but our kids and extended family. We are sending this correspondence directly to you instead of XXXX and ACS this time. It has been evident that they have brushed off our request as a borrower just seeking to get a free pass from default. It's evident they didn't do the dirty work and they're putting the burden of proof on us to fix their administrative error. They've been garnishing our wages for over a year and they have ignored all of the common sense, circumstantial evidence, their administrative errors and have just bullied us by not seeing that this is not our fault and we should have been in forbearance status. This type of thing is why ACS was sued in a class action suit in XXXX and ultimately had to be sold. We are victims of these practices and are seeking CFPB 's help.
01/30/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 95123
Web Servicemember
Violation Federal Debt Collection Practices Act 809 ( b ) " ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. '' After checking my consumer credit reports, I noticed a company called ACS/XXXX was reporting on my credit report. On XX/XX/XXXX, I sent a debt validation letter to ACS/XXXX via certified mail ( receipt attached ). I disputed the entirety of their claims. On XX/XX/XXXX, I sent disputes to XXXX, XXXX, and XXXX certified mail ( receipts attached ). On XX/XX/XXXX, I received updated credit reports from XXXX and XXXX stating they verified the information and updated my credit reports. The information was not deleted. ACS/XXXX is in violation of the FDCPA 809 ( b ) because they continued with collection activities ( responding to and verifying credit reporting agencies ) while failing to send me verification of the debt. As of XX/XX/XXXX, I have yet to received any correspondence from ACS/XXXX. They failed to respond to my debt validation request but yet responded to the credit reporting agency, which is continued collection activity. This is a clear FDCPA 809 ( b ) violation. I respectfully ask that this tradeline and account be removed from all three of my consumer credit reports. Attached is : 1. Debt Validation letter to ACS/XXXX 2. Certified Mail return receipt for ACS/XXXX 3. Certified Mail return receipt for XXXX XXXX, XXXX, XXXX 4. Updated credit report from XXXX indicating the ACS/XXXX verified 5.Updated credit report from XXXX indicating the ACS/XXXX verified
04/18/2019 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • CA
  • 94546
Web
For the last five years a company called Conduent has been taking my Federal and State tax refunds towards student loans from XXXX. I have been struggling to resolve this since XXXX. Not a penny from my tax refunds from the last five years which exceeds over {$7000.00} has been reported or applied to the loans. This company continues to take take take. All numbers to contact them are disconnected. On my credit report theyre showing as XXXX XXXX and XXXX with XXXX as the debt collector. When I contact XXXX they tell me I need to go through the servicer whom is Conduent this is a complete scam! I didnt even receive any money for those loans back in XXXX and didnt attend that college course yet Im still being billed for it in XXXX. XXXX shows XX/XX/XXXX - Loan Amount {$870.00} disbursed amount {$470.00} cancelled amount {$400.00} outstanding principal {$640.00} outstanding interest {$49.00} XX/XX/XXXX - Loan Amount {$4000.00} disbursed amount {$2600.00} cancelled amount {$1300.00} outstanding principal {$2700.00} outstanding interest {$120.00} XX/XX/XXXX - Loan Amount {$2600.00} disbursed amount {$1700.00} cancelled amount {$870.00} outstanding principal {$1700.00} outstanding interest {$75.00} On my credit report XX/XX/XXXX - XXXX XXXX XXXX {$3800.00} Opened XX/XX/XXXX XX/XX/XXXX - XXXX XXXX XXXX {$2300.00} Opened - XX/XX/XXXX XX/XX/XXXX - XXXX XXXX XXXX {$760.00} Opened - XX/XX/XXXX My tax refunds taken by Federal Owed Student Loans XX/XX/XXXX - Taken from my refund {$1300.00} XX/XX/XXXX - Taken from my refund {$1900.00} XX/XX/XXXX - Taken from my refund {$2100.00} XX/XX/XXXX - Taken from my refund {$1800.00} Money taken from my State Refund towards federal owed Student Loans XX/XX/XXXX - Taken from my State {$240.00} XX/XX/XXXX - Taken from my State {$350.00} XX/XX/XXXX - Taken from my State {$440.00} XX/XX/XXXX - Taken from my State {$610.00} I havent received a tax refund in over 4 years. All debts keep going to some Federal Student Loan but not being applied to any of the debts! All numbers are disconnected or not in service to try contacting the servicer! I am at a complete loss and feel violated that the government would allow this to happen and not allow a XXXX XXXX to be able to contact and speak to someone about the money being taken or even researched. This is unacceptable for a debt from XXXX to carry on this long and have no solution but for me to constantly be harassed by an invisible company that takes my hard earned money with no communication, certified emails or letters. I want the loans to be washed away and I want the money refunded back that is owed to me for the thousands of dollars extra that have been taken.
09/13/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • DC
  • 20002
Web
Currently my loans are being held by ACS Education Services. I have been in their IBR program since XXXX XXXX. I was divorced 2 years ago, married and filing separately with XXXX individuals living in the household ). Over the last 2 years, with some modest raises, my payments to ACS have DOUBLED and the payments are now becoming unsustainable. Before the ACS IBR payment increase this year I submitted paperwork to get my student loans removed from ACS to turned over to Federal Student Aid under the REPAYE program. ACS has assured me multiple times that all of my paperwork has been completed correctly, however it 's been over 4-1/2 months and they continue to tell me that they are " processing '' my request, while I am making an unsustainable monthly payments. I call them every two weeks to check on progress. I have been told that they have " expedited '' my request ( nothing happened ), and then called again in tears one month ago and asked if I needed to contact an attorney to get help with this matter. They immediately transferred me to a " supervisor '' who " opened an issue '' with my account and said she would personally and physically monitor my account each day. I called yesterday, after 3 weeks of not hearing anything, and was told curtly that my request is " still processing. '' I fear that nothing will happen and I am struggling to pay loans, take care of my child, pay my mortgage and condo fees. My credit score is dropping because I 've been using my credit card to make up some of the difference. I 'm scared and ACS ( owned by XXXX XXXX ) appears not to care how desperately I am trying to remain in good standing and repay my debt, but under a different program, the REPAYE plan that President XXXX established in XXXX. ACS says they do not " honor '' the PAYE and REPAYE programs which calculate payments that are 10 % of XXXX 's discretionary income vs. 15 % for the IBR plan. I have a great job by almost anyone 's standards, I managed to purchase a small condo this past year ( and pay less in a mortgage than I did in rent ), and I am taking care of a young child. But I am on the edge of failure because I am stuck in a precarious financial position. FYI, My loans are connected with education at XXXX and XXXX. My only complaint with the institutions are that they let an art student who had no parental support, access such large amounts of loans. I do n't think it 's their fault I borrowed an incredibly unrealistic amount of money for my education, but I 'm not sure they cared in the XXXX and XXXX how someone was going to pay back the loans. Thank you for your consideration.
07/05/2017 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • MN
  • 55412
Web
I have been regularly making an online payment of {$40.00} a month to ACS Education Services for a number of years. However, when I went to make myXX/XX/XXXX payment I could not access the website using my regular login information, instead getting an error message saying that my information was " incorrect, '' which it was not. I tried multiple times at various times of day over the course of the next weeks to login to the system. Eventually I even tried resetting my login information but when I would do that I would get yet another error message. I also tried calling into the ACS directly, but would be left waiting for a representative to answer the phone so long that I would have to move on with my work. Finally, on XX/XX/XXXX, I called the company again, this time waiting over 30 minutes for someone to answer the phone. When a rep finally answered I was told that, yes, there was an ongoing issue with their system and it would only work with certain browsers. This was something the company clearly knew was an issue, yet there was no indication anywhere on the site that it could only be accessed with particular browsers ( which in all the previous years I 'd used the site had never been the case, thus it never did occur to me that this might be the problem -- I thought the issue had something to do with my login credentials specifically ). I was ultimately able to login using XXXX. I asked the rep during my call if I was going to have any late penalties because of this issue and she assured me that I did not and would not. I paid my bill in full that day. However, I recently learned that on XX/XX/XXXX, the day before I finally was able to reach an ACS representative, my accounts were reported as delinquent to the credit bureau. I have worked very hard for years on my credit and I currently do not have any other delinquencies on my credit report other than the two that have been assessed for the accounts I have with ACS, which amount to {$40.00} in total. Thus I now have two adverse accounts, the only two I have, that will be on my credit report for 7 years essentially because I could not login into the website -- a problem the company knew about but did not bother to make customers aware of -- and because, due to my work schedule and inordinately long wait times to speak with customer service at ACS, I ended up paying one day after the accounts were reported. After reviewing my credit report, I did try contacting ACS again on XX/XX/XXXX, and after again waiting more than 20 minutes to speak with someone, was told by the representative that there was nothing to be done.
07/13/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Received bad information about my loan
  • TX
  • 75240
Web
I am not sure where to start on this matter because I am highly upset with ACS education to the point where I have filed formal complaints with several institutions ( XXXX, U.S. Department of Education, etc .... ). I have been diligently working since XX/XX/XXXX, trying to work with ACS in regards to the XXXX students loans. I recently consolidated my loans with the Department of Education/Nelnet in XXXX XXXX. I have had a great experience with them in the past, so I wanted to include my XXXX ACS loans in the consolidation. Long story short, XXXX has sent over a number of XXXX to ACS only to receive several different responses : There is a XXXX balance ; we do not have the loans ; We no longer have the loans because they are in the process of being transferred to NSLP ; we have the loans, but they are unable to be included in the consolidation because they are " Temporarily Uninsured ''. That was information that was sent back to XXXX in regards to the XXXX. I was told by ACS education that the XXXX were NEVER received, so XXXX was sent manually. I have been given so many different stories. I decided to open up a case with the Office of Ombudsman in which they have been trying to get in contact with you in order to get this squared away. In addition, XXXX sent another XXXX out to ACS. Since you were out of the office last week, I decided to call XXXX XXXX in regards to a deferment to my loans since I was in school. He flat out told me that there was nothing I could do because of the status of the loans. Then he rudely suggested that I needed to wait to on you to get back in the office and flat out hung up in my face. Luckily, I have started to record all of my conversation with you all so that I can submit this with my case. The issue I am having is ACS is steadily reporting to the credit bureaus when it has been confirmed by the Office of Ombudsman that if they loans are " Temporarily Uninsured ''. The National Student Loan Database shows that the loans were in that status effective XXXX XXXX, XXXX which means that the late payments should come off of my credit reports across XXXX, XXXX and XXXX. On the other hand, the Grantor advised that the loans were in good standing based off of what ACS has been providing National Student Loan Program ( NSLP ). If that is the case that my loans are in good standing, there should be no problem will releasing my loans to XXXX. This is truly my last attempt in trying to get the late payments removed from my credit reports from all XXXX credit bureaus and to have those loans released to Department of Education/XXXX.
02/07/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • NY
  • 10023
Web
Dear Sir or Madam, While was looking at my bank account I realized I my XXXX student payment was taken twice from my bank account on XX/XX/XXXX I contact XXXX, INC who is responsible for the taking money twice from my account and the response from XXXX was only XXXX payment was recorded in my account on XX/XX/XXXX, and I was asked for proof of payment ( Please see the response from XXXX bellow ) I answered to XXXX request immediately and I attached my bank account, ( please find attached my bank account, page XXXX and XXXX shows my the subtraction of funds done twice on XX/XX/XXXX I received another answer by ACS telling me I will get a response in XXXX days, that was XXXX days ago. I email them twice already without a response. This company practices need to be investigated, I have the original emails when I consolitaded my federal students loans where interest rate was supposed to be XXXX and after XXXX years it will go to XXXX, this company changed the interest rate without notice or explenation to XXXX which I was told over the phone was my current rate. Thanks in advanced, XXXX emailsupport & lt ; XXXX ; XX/XX/XXXX to XXXX Thank you for your inquiry to XXXX 's XXXX Services Department XXXX After reviewing your account our record indicates that XXXX payment received on your account for XXXX. That payment was received on XX/XX/XXXX in the amount of {$770.00}. You may send us the front and back copy of the cashed check for the second payment in order for a research to be done, or you may send us a detailed copy of the bank statement to show that XXXX payments were made to XXXX in XX/XX/XXXX. Please note for future reference that we offer the XXXX ( ACH ) program which allows customers to authorize a banking institution to deduct loan payments automatically from a designated checking or savings account each month. A XXXX % interest rate deduction is offered for this program. You can visit our website at www.acs-education.com and apply online if you wish to enroll in this program. If you have any further questions, please feel free to contact us. Sincerely, XXXX Mail Support XXXX & XXXX & XXXX ; AttachmentsJan XXXX to XXXX, XXXX Thank you for your response, See attached my XXXX where you can see on XX/XX/XXXX the abstraction of {$1500.00}. Also, I have open an investigation with my bank to make sure I initiated the requested of ACS subtraction of the funds from my account for that month. Also, please we need the status of all my accounts with the interest rate charged and balances from the time you acquired the accounts. Thanks
10/10/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Need information about your loan balance or loan terms
  • MD
  • 20770
Web Servicemember
When applying for my student loan, I was under the mistaken belief that the bank would be loaning me depositors money, which it received from its depositors or investors. I have found by researching relevant case law on the matter and reading XXXX XXXX XXXX, published by the XXXX XXXX XXXX XXXX XXXX, that banks create the money I borrowed by using my promise to pay. It generated computer entries to my account, listing the loan as a credit, in effect, creating money out of thin air. In none of my transactions with the bank did any officer or employee notify me that the bank created money by a journal entry ( out of thin air ). This is bank fraud. The banks transactions relating to me lacked two necessary elements of a valid contract. Perhaps you should be aware of the following : United States Code, Title 32, Section 24, Paragraph 7 confers upon a bank the power to lend its money, not its credit. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), the court stated : ( T ) he provisions referred to do not give power to a national bank to guarantee the payment of the obligations of others solely for their benefit, nor is such power incidental of the business of banking. A bank can lend its money but not its credit. Again in : XXXX XXXX XXXX XXXX v XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It has been settled beyond controversy that a national bank, under federal law, being limited in its power and capacity, can not lend its credit by guaranteeing the debt of another. All such contracts being entered into by its officers are ultra vires and not binding upon corporation. See also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The bank did not notify me that it created money by journal entry ( out of thin air ), defined as bank credit. To do so would have disclosed that there was no consideration from the bank to me. A lawful consideration must exist and be tendered, to support the note. See XXXX XXXX XXXX XXXX v XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. I hereby revoke, rescind, and repudiate my signature on the original application. The original application was fraudulent on its face, as full disclosure was not provided. The application did not inform me the bank was loaning me bank credit created out of thin air. Had the bank so disclosed this fact to me, that I was in fact borrowing bank credit, I would have known that the element of consideration was missing from the contract and would have not entered into that agreement.
09/22/2015 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't decrease my monthly payments
  • OH
  • 44120
Web
In XXXX, 2015, I called ACS, one of my private loan providers, ( note, this is not the original lender and it has been changed during the length of the loan a number of times without my consent ), to ask about options to help me while I am unemployed and without income. At this time, I received a letter which offered " the ML ( MGRS Plan ) where for 6 months your monthly payment on the private loans are reduced at XXXX % of level ( fixed ) installment followed by 6 months the monthly payment is at XXXX % of level installment followed by 12 months of interest only payments followed by level repayment for remaining term of the loans ( You must have at least 36 months of term remaining and a principal balance outstanding of {$10000.00} or more ). The request for this option is done verbally. " When I called to accept this offer on XXXX XXXX, 2015, I was told that this offer was not available to me because I had taken advantage of this in the past, time unknown, but that it was noted on my account and only available once during the loan term. Therefore, the offer was no longer valid. I asked about other options and was informed about forbearance, but this would require me to have a 1 % interest rate increase ( to an already variable interest rate ) for the 12 mos payments following the forbearance. Other than this, no options were available to help me. The man I spoke with was in XXXX and could not connect me to a supervisor, but he would have a supervisor call me within 48-72 hours, as is standard response time. I have XXXX accounts with ACS, have asked for a consolidation, and always have been denied the opportunity. I have asked for lower interest rates and have also been denied. The term of the loan is unclear and when I ask, am unable to get a clear answer. Between the XXXX accounts, the original loan amount was {$26000.00}. As of XXXX 2015, I have paid a total of {$11000.00} in interest and {$9300.00} in principal. I also have another private loan and government loan and in total pay $ XXXX/mo for student loans. I have never missed a payment. I am a XXXX, who has worked at XXXX until recently. I have tried to work with banks, Dept of Education, and other repayment companies to identify options, and feel no one is able to help me honestly understand the benefits and burdens of options nor the ramifications of decisions. I feel powerless despite my efforts, education, and patience. Is there anyone who can help? Thank you! I ca n't and wo n't pay these companies forever without some flexibility on their end.
06/06/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Received bad information about my loan
  • VA
  • 22030
Web
On XXXX/XXXX/XXXX I contacted ACS in order to get assistance with bringing my account current. I was told that I did not qualify for a forbearance. On XXXX/XXXX/XXXX at XXXX I called back with a rep from the loan guarantor on the line. I spoke with XXXX XXXX who said that I was eligible for a forbearance for 4 months. She further represented that my accounts would be brought current, the forbearance had been re-submitted and was pending and she had expedited it. In XXXX I received a bill from ACS requesting a payment for a date that had already passed. I began calling ACS immediately to correct the errors to my account and deterine why it was past due. I was told that the forbearance was not applied for XXXX as I was told it would be. In addition I was told that the income based repayment that I applied for was not applied until XXXX XXXX {$13000.00} ) and therefore, I was past due for the standard amount ( $ XXXX ) for the month of XXXX. I made an immediate payment as instructed in order to prevent my account from being reported more than 30 days late. I made payments on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have contacted ACS twice a week each week in order to attempt to reach a resolution on my account. Each time I am told something different. Most notably, on XXXX XXXX, XXXX, XXXX of ACS, informed me that the XXXX payment would be corrected to reflect the payment due of {$130.00} and that the negative credit bureau reporting for the months of XXXX, XXXX XXXX and XXXX XXXX would be removed. I was told on both XXXX XXXX and XXXX XXXX, XXXX that internal investigation requests had been submitted and that XXXX would recieve results within XXXX10 business days. Despite following up on many occassion in writing, I have yet to recieve results. I requested a copy of my promissory notes on XXXX XXXX, XXXX. I have not recieved a copy as requested. I have rquested a copy of all correspondence that was sent to me since XXXX XXXX and was told by XXXX as well as a supervisor, XXXX, that ACS would not and could not provide correspondence because it had already been sent to me and ACS does not keep a copy of correspondence. My loans are being reported as 165 days days past due on XXXX XXXX, XXXX and today I was told they are 168 days past due. Each time I call the loans are past due for a different amount, a different number of days, despite making payments on time for my current payment amounts.. I have contacted this company trying desperately to resolve my account without success or response.
05/06/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Don't agree with fees charged
  • MA
  • 01453
Web
I attended college in the XXXX in XXXX and XXXX XXXX XXXX in XXXX. I took out loans becuase I was an older student and did not have a college savings. I am STILL paying this loan, I was unemployed for a long period of time and then only worked part time for 5 years after my son was born. My current loan servicer, ACS, suggested I defer the loan at this time. It was not made clear to me at that time that the interest would still accrue and exactly how much additional was added to the total cost of my loan. Currently my loan balance is {$21000.00} and the anticipated time for payoff is 14 years from now. I will be XXXX years old when this loan is fully paid. I have never been able to secure a full-time position in the field XXXX, which is my XXXX XXXX XXXX chosen field. ACS has mislead me and they are absolutely horrid to try to work with. I have tried applying for a XXXX as I currently work XXXX. ACS informed me that the current XXXX loan I have ( also under their recommendation ) is not eligible XXXX XXXX XXXX XXXX. When I applied to change to a different loan that would qualify, they denied me. ACS acquired my loan in XXXX and I was informed by The XXXX office that my previous servicer was XXXX and I can not seem to locate a payment history prior to XXXX to confirm the validity of the current loan balance. Something does not add up, and I feel like I have been scammed in the worst way possible. I would very much like to apply for a XXXX XXXX XXXX XXXX program as well as change the servicer that I need to deal with. More importantly, what becomes of the last 16 years that I have paying on a {$21000.00} balance that seems to have remained the same? Even large corporate banks will " settle '' for lessor amounts due to changes in financial situations, but this is n't an option for a student loan? I understand that the loan has has previous unemployment deferments and forbearance, however the numbers still do not seem to add up. I would like to pursue legal action agains ACS for their deceptive practices and failure to provide a service. Potentially I would also pursue state mandates to protect college graduates from falling into this trap, perhaps colleges should be held accountable for the degrees they offer, perhaps offer a different degree or classes at no charge if you are not able to secure employment. No one should be paying for a student loan when they are nearing XXXX age. More needs to be done to protect people from deceptive businesses like ACS. Can you please help? Thank you
07/13/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Don't agree with the fees charged
  • VA
  • 24019
Web
I started at XXXX XXXX College in 2002 in XXXX VA. They made me use my parents income even though I did n't even live with them. Some how I ended up with 4 separate loans and I had no ideal what I was getting myself into back then. The loans went to ACS first which is the company that used my social security number to obtain a loan through XXXX XXXX XXXX without my permission. They took that money and paid the government loans off and began adding interest. After several years they passed the loans onto XXXX and added more money.Now XXXX is telling me that I still owe the government and that As of now I owe them XXXX in accrued interest. And every payment made has to go to the interest and fees first before the principal amount that was originally borrowed. Thats so that they will still have a large loan amount to add interest to because if the loan amount were smaller that would be less interest for them to add. It is totally unfair to have to pay XXXX XXXX for money that I did not borrow. I 've ask XXXX for a copy of the promissory note that they claim I signed but I still have not received any proof. Also I called XXXX XXXX College for proof and they have changed names since 2002 and do n't have any information on me because they said that they did n't scan documents back then but they maybe able to find something signed in some storage place where they send old files but maybe not. It 's a complete scam from both XXXX XXXX and XXXX and ACS. They are trying to collect money that is n't owed. I dont know what to do! I need help with this to get these loans removed and to file a law suit if possible. And as far as ACS taking a loan out with XXXX XXXX XXXX with my Social Security Number is complete fraud. They said it was an electronic signature. I bet it was because It was n't me. If it takes giving this degree back to XXXX XXXX College thats fine with me. It 's useless anyway since they 've changed names twice and ripped so many people off. I have never once use the so called degree. I just want my life back. At this point I ca n't get a car loan or a home loan do to my credit being destroyed by these schools loans. If I owe XXXX in accrued interest that is the same amount of my fourth loan with XXXX so Technically I should n't have a fourth loan. I 've paid what I owed over these 15 years a long time ago. Please help me prove that XXXX ACS and XXXX XXXX College have committed fraud against me and probably many others. Thank you for any help that you can provide and XXXX Bless.
12/31/2021 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • MD
  • 20855
Web
I finished XXXX XXXX in XXXX and had Stafford loans which I consolidated probably at the end of XXXX or beginning of XXXX, so these are older loans, so I'm not sure if they are considered Federal loans anymore because I consolidated them, but they were stafford loans originally. I consolidated to lock in a 2.87 % interest rate. I began making payments, and at some point the loan service was changed to ACS Education Services. My due date was changed to the XXXX of every month. So I made electronic payments that they would get on the XXXX every month, but it took them between 5-10 business days to recognize the payments, so they considered them late. I would get phone calls typically by the XXXX of the next month, saying XXXX payment is late, and that they would contact credit bureaus if I didn't make my payment. This started probably around XXXX. The next day typically I would get an email confirming I had made the payment, but they apparently would consider the day they confirmed my payment as the date of payment. I had contacted the Virginia Attorney General 's office about this, but since I wasn't being charged late payments, and this wasn't going to affect my credit, I didn't pursue the matter, and i just started making the XXXX my payment date. However on XX/XX/XXXX, I found out from my current servicer, XXXX, that I was disqualified from a 1 % loan interest deduction which was a benefit I was elligible for, if i made 48 on time payments ( XXXX shows I was disqualified in XXXX, while ACS or Conduent ( conduent is what ACS changed its name to ) ). So I could have saved hundreds of dollars per year had I gotten that interest rate deduction. I did some research on ACS and there were lots of complaints, so much so that the Department of Education made most of ACS ' loans transferred to other servicers. I lost out on saving a lot of money, would have been thousands, because they were incompetent and didn't process my payments in a timely manner. Is there anything I can do? XXXX only has the information ACS provided, which just shows I made late payments, but it doesn't show my complaints to ACS. I can supply emails showing my complaints to ACS, complaining about how long it took them to process my payments. I've also found my email to the virginia attorney general office. I just didn't pursue this more because I didn't realize I lost out on an interest rate deduction due to ACS ' incompetence. I have also seen ACS was sued by several states over their servicing issues.
12/30/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • VT
  • 05257
Web
I have a student loan with ACS Education Services from my graduate education. I 've paid my bill on time for years and have my account information stored on their website. In XXXX, I missed a payment due to forgetfulness and once I remembered XXXX attempted to pay both months to get current. On XXXX XXXX, I paid online and went about my business. I received email notifications from ACS ( " payment scheduled '' on XXXX XXXX and " payment received '' on XXXX XXXX ). On XXXX XXXX, ACS sent an additional email saying the payment was rejected due to " unable to locate account. '' This is a bit odd because all my banking information is stored on their website and I have n't changed anything. I checked the account number and everything was accurate. I called ACS helpline and asked for guidance. The customer service rep was polite, but did not have access to the details of my account and thus could n't tell me what was going on or why the payment was rejected. She advised me to pay again. On XXXX XXXX, I logged in and once more scheduled a payment for both XXXX and XXXX. I received email notifications from ACS ( " payment scheduled '' on XXXX XXXX and " payment received '' on XXXX XXXX ). On XXXX XXXX, once again, ACS sent an email noting my payment was rejected due to " unable to locate account. '' Even after the payment was rejected, the website showed the account as paid and for a day or XXXX would not let me schedule a payment. On XXXX XXXX, I called ACS and made a phone payment for XXXX On XXXX XXXX, I logged in to my ACS account online and reentered my banking information -- literally nothing changed, I just re-entered the numbers -- and scheduled a payment. This time it went through, and with the phone payment everything ( for now ) appears to be up to date. However, we 've received a letter from ACS threatening to report me as late and negatively impact my credit score. My complaint can be stated more succinctly : their system for payment is immensely confusing, communicates conflicting or incomplete information, and generally seems designed to not work. When the system inevitably breaks down, there seems to be no one available to talk to in order to resolve problems. And as consumers like me scramble to fix something that seems made to be just out of reach, ACS sends letters challenging me for my lapses. I do n't mind being held accountable for paying back my student loans, but I would hope ACS can also be held accountable for its servicing of my loan.
03/05/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Having problems with customer service
  • TX
  • 79762
Web
ACS-XXXX currently holds my students loans. I have been on income based repayment for several years. The XX/XX/XXXX tax return were substantially higher, {$36000.00}. However, I have sent the paperwork they request six times, twice by certified mail. I have all copies of multiple emails and paperwork they requested to help them understand that change in income was due to an inheritance of {$36000.00} that was used to pay off credit card debt. Additionally, I have explained to them, sent multiple copies of my current year 's income as they requested. I also have explained that due to my accountant not filing my tax returns until XX/XX/XXXX for my sole proprietorship showing that I must pay the IRS {$19000.00} in taxes for XX/XX/XXXX tax year with the added responsibility of {$4000.00} in estimated quarterly taxes that were not paid as we have always had a return not owing money. This amount, {$35000.00} leaves me with no money to pay anything. I have made arrangements with the IRS for payments which are {$2500.00} per month. ACS-XXXX has requested an IBR six times and I have provided it six times. I have sent them by certified mail. Each time I send the requested information over and over they send the exact same paperwork stating : Are you having problems paying your student loans? See you qualify for any of the below assistance. It is as if they do not read anything I send them. Due to this constant requesting and submitting paperwork since XX/XX/XXXX they have severely damaged my credit while never acknowledging the receipt of the forms I have sent at their request. It is impossible for me to establish a repayment amount if they simply keep sending the same paperwork over and over and offering absolutely no resolution or payment options, only late fees and reporting it to my credit. I need someone that will represent the consumer and protect me against their ignorance of sending the same papers over and over and causing me further financial damage because they are not aware of what they are supposed to do or acknowledge any compliance with their request. I will not talk to them on the phone and have repeatedly told them that due to their actions all communication must be in writing so I have document ion on paper. They only send the same forms over and over. It is as if their staff has no clue what the other staff send. Please advise what action can be taken to resolve this issue and require them to correct the damage they are doing to my credit.
02/28/2018 Yes
  • Debt collection
  • Federal student loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NJ
  • 07013
Web
On or about XX/XX/XXXX, I began receiving collection notices from ACS-Conduent, for a debt owed to XXXX XXXX. At first, I ignored the notice because I believed I did not owe the money. On XX/XX/XXXX, I called ACS-Conduent and asked that they please stop sending me notices because I do not owe any money. I called 2 more times that day. I was told a couple of this with my communication with them. 1. I was told to contact XXXX XXXX and ask to provide a copy of the Promissory Note 2. I was told that they received the debt in XXXX of XXXX by a XXXX XXXX from XXXX XXXX. I was also advised by a representative named XXXX to contact the U.S. Dept. of Education for information regarding my debt. 3. On XX/XX/XXXX, I contacted the Department of Education and was informed of a balance listed for a Perkins Loan for Loan Period XX/XX/XXXX to XX/XX/XXXX. The balance listed is {$230.00}. 4. I was informed by the Dept. of Education that the loan/debt had NO Executor listed. 5. I also began calling XXXX XXXX beginning XX/XX/XXXX. At first they could not find that I owed any money but eventually found the Perkins Loan on the Federal Student Aid website. They did see that they are listed as the owners of the loan. I have also been trying to resolve this issue with XXXX XXXX which is currently XXXX XXXX - XXXX. My contact there is the Finacial Aid administrator XXXX XXXX. The problem I'm having is, although the balance of the loan is being investigated by XXXX XXXX at XXXX XXXX XXXX, ACS-Conduent has taken it upon themselves to come after me for a debt found on a government student loan website, which is public information, without having the legal authority to do so. They claim that XXXX XXXX is their point of contact for XXXX XXXX when they received the debt in XX/XX/XXXX. The problem is, XXXX XXXX, according to the financial aid admin XXXX at XXXX has not been with RETS in over 3 years prior to my calls in XXXX. My suspicion is that ACS-Conduent is helping themselves to " found money '' as public information found on the student loan government website without then actually representing XXXX XXXX as confirmed by XXXX and XXXX at XXXX XXXX XXXX. They use a different collection agency to handle their collections. If XXXX XXXX does not have a business relationship with ACS-Conduent, how is it possible that they ( ACS-Conduent ) can collect as their ( XXXX XXXX ) representatives?
07/11/2015 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • OR
  • 97214
Web
Following the complaint I filed last month ( Case Number XXXX ), XXXX XXXX of ACS stated that on XXXX XXXX, 2015 {$12000.00} was deposited into my bank account electronically. First, no funds have been deposited into any bank account I control. Upon discovering this, I have made repeated calls and emails to ACS and XXXX XXXX for over a week. Thus far, none of them were returned. By calling the main line, however, I was able to speak with a base level customer service employee who informed me that the {$12000.00} was sent to an account with XXXX XXXX XXXX. I have no XXXX account on file with ACS, the XXXX account I once had was closed a long time ago and all references were deleted from my end of their system in XX/XX/XXXX and updated to XXXX XXXX XXXX. I do not know why ACS sent the funds to XXXX, nor do I know who currently is holding those funds, but I do not have any accounts with XXXX and can prove that fact. Consequently, no funds have been returned to me, despite XXXX XXXX 's claim that they were. Second, I did not authorize this transaction. In fact, when I became aware of the situation, I left XXXX XXXX a voicemail indicating that I wanted to be fully informed of the financial ramifications and how interest would be calculated prior to any action. No authorization was made. Had XXXX XXXX called me back, I likely would have refused the refund or, at the very least, informed him of the proper place to send the money. Third, I have repeatedly called XXXX XXXX and the Resolution service of ACS and no one has returned my calls. I have also emailed them and have received no responses. The only success I have gained is with base level customer service, but they are unable to help me and were merely able to inform me that the money was sent to XXXX XXXX XXXX. As it currently stands, it appears that ACS has taken {$12000.00} and it appears they have no interest in even discussing the matter with me directly. Surely, if this remains uncorrected it must be a violation of civil and criminal law. I ca n't imagine you can simply seize over twelve thousand dollars without any repercussions. There must be some form of fiduciary duty in play with regard to the payments that I had already made to them. I can not imagine that ACS is allowed to erase past payments without authorization, and then send that money to a random XXXX account.
01/17/2018 Yes
  • Student loan
  • Federal student loan servicing
  • Struggling to repay your loan
  • Problem lowering your monthly payments
  • PA
  • 17362
Web
I obtained a student loan for my XXXX studies back from XXXX. Following graduation, I began repayment. In XXXX, I enrolled in graduate studies and obtained my XXXX XXXX in Secondary Education in XXXX. During my XXXX years of grad school, I deferred my student loans and began repayment after I graduated. I had difficulty paying the loan in the XXXX. I eventually applied for and received a forbearance. I then began repayment of my loans with a company that I can not recall the name of, and then the loan was passed along/purchased by different lenders without my knowledge until after the fact. For a time I did not even know to whom I should pay for the loan. In XXXX, ACS purchased the loan, and I have been paying them monthly, without fail, since that time ( though they were recently bought out by Conduent ). My loan interest rate was locked in at XXXX XXXX. I pay {$410.00} every month, and to date, I have paid {$36000.00} ( XXXX consecutive payments ) on a loan ( original loan amount being {$37000.00} ) that I now still owe {$44000.00} ( outstanding balance as of today ). I will admit that I have not checked my account often, as the payment comes out directly/electronically every month and has for almost XXXX years. I pulled up my account today and can not wrap my head around the outstanding balance. How can I owe this amount? I also do not see a projected loan payoff date on any of the screens that I researched while logged on to the website. Perhaps that is because at this rate, I will never pay it off. Something must be wrong here, and I fear that contacting the company without support will not get me anywhere, as I have read some very negative reviews about this new company, Conduent. I have no idea who to reach out to about this. I have found many resources online, but I am not sure which ones can be trusted or which ones are just other lenders or scammers. I found this resource, and I am making a plea for assistance, advice, information ... etc. Finally, when I clicked on the Website information for Conduent that is linked from my student loan account, I received a message indicating that the website I was trying access may be impersonating the company website to get access to my personal and financial information. I have attached screen shots of all of this information for your review.
06/15/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Having problems with customer service
  • PA
  • 19130
Web
My husband and I have a lot of student loans from his time in XXXX school. We are both employed and are working hard to pay them off as quickly as possible. We would like to refinance them in order to receive a lower interest rate. In order to refinance, I need to obtain copies of current statements of all of our loans. With XXXX of our lenders, this was a very easy process, and I was able to retrieve the statements electronically on the website. But with the other lender, I was not able to retrieve the statement for myself. After a lot of searching, I finally found instructions to email customer service. I did so on XXXX XXXX, 2016. On XXXX XXXX, 2016, I received a response stating that due to their policies and because our account was on autopay, they would not be able to email or fax a statement to me but would send one via postal mail. I was not provided with any further detail on this policy or with a copy of the formalized policy. I was told, " I have generated a statement for you, however this statement will only be generated through standard US Mail. Please allow 7-10 business days for the statement to be received by mail. '' On XXXX XXXX, the 10th business day after this exchange, I still had not received a statement, so I emailed customer service again. I was told that the original email was not intended to communicate that a statement was actually generated on XXXX XXXX ; rather, a statement had been generated on XXXX XXXX, and I should expect it within 7-10 business days from XXXX XXXX. I have not received any acknowledgment that I was misled in the original email other than customer service saying that they are sorry that I misunderstood. XXXX XXXX, yesterday, was 10 business days from the second date I was given, and I still have not received a statement. Throughout my emails with customer service, I have tried to clearly express exactly what is the cause of my frustration and have received only the tritest replies. I have never actually even been given the name of the person responding to my emails ; they are all signed " Thank you, XXXX XXXX. '' I find it absurd that 1 ) I was not able to retrieve the statement myself, and 2 ) it is now nearly a month since my original request, and I still have not received a statement. I need this statement in order to refinance our loans.
08/19/2016 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't decrease my monthly payments
  • MI
  • 48843
Web
I have recently contacted ACS Education Services to discuss available options regarding my monthly payment. While I am current on my monthly payments I explained my current financial situation and my concern to fulfill my future monthly obligations. Ultimately, I expressed my intentions to be proactive prior to accumulating missed payments in the future then continuing to fall further behind. Each representative had expressed similarly that they can appreciate my effort to reframe from missing future payments, yet there are no additional repayment options available for me. They continued to explain that if I was currently 31 days or more past due other options would be available at that time. If they are capable of offering other payment options after 31 days past due, they certainly can make those same options available to those that are struggling to avoid late payments. Therefore, after different attempts to voice my concern with various representatives, ACS Education Services will still not provide me with an alternative repayment option to avoid missing payments due to my financial situation. Since graduating in 2013, each of my federal and private student loans has now transferred to repayment status. I have continued to place my federal loans in forbearance in order to afford the private loans and other monthly expenses. After graduation, the income I accumulated from my employment was insufficient to pay for each private student loan I acquired over my collegiate years. Therefore, I was compelled to utilize the brief forbearance period allowed which is no longer available. Over the last few years, I have been blessed to obtain advancements in my career, which have generated increased wages. Even though my income has increased, the payment obligation for each monthly expense and student loan continues to exceed my total monthly income. Currently I receive about XXXX a month after taxes. My total expense which include current student loans being repaid is about XXXX. If I forgo other monthly expenses and limit my grocery/personal budget, the total expenses could be reduced to about XXXX. Even if the forbearance option was available, I would prefer not to delay my obligations. In conclusion, I would greatly benefit from lowering my monthly private student loan payment.
05/03/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • MS
  • 39206
Web Servicemember
I have an account with ACS Education Service. I called and asked for the paperwork to do an income based repayment plan. I stated that I want to start paying the loan but I could n't afford the XXXX dollars monthly payment. I also asked about the deferment since by the definition on their website, I fall under this category. The individual was rude and told me that I 'm not on XXXX XXXX . I asked her to explain since this was and has. been my status for the past 10 years. She stated that I did n't qualify but of course she could put the loan in forbearance ( of course, because it accrues more interest and they always give this option instead of trying to work with me to actually get the payments to an affordable amount ). She stated she could send me the paperwork, fill it out and send it back to them. I did this, then I was told o, your application was n't accepted because that 's the wrong application. But this is the application that you sent me. I was very specific in I wanted to apply for an income based repayment plan. Then I was told to redo the paperwork. I did this. This time I was told that my tax return was illegible. How is the application legible ( which was handwritten ) but the tax return, printed directly from the tax servicing company illegible. Then AGAIN, it was reported to my credit report that I 'm past due. I keep going in circles with this company and I will reconsolidate with another company. It is ridiculous that this is the second complaint I 've had to make about this company. When I call into customer service, the agents are so rude and they either want you to pay or put it in a forbearance. They are absolutely no help. My last complaint, the agents kept telling me to call the Dept of Education, k nowing fully that they have nothing to do with a pre-existing loan. I 've faxed my application to this company several times and as much as I follow the directions given on the paperwork and by the agent, I still get a letter saying my paperwork is denied. The only time I 've gotten anyone that actually wanted to help and took the time was individuals who called after I made the complaint. EVERY call to customer service has been rushed, rude, given misinformation/false information and made no progress in resolution to pay my student loan.
08/10/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • WI
  • 54311
Web
My husband and I have a Parent plus loan dating back about 10 yrs, originated with XXXX and now with ACS. Payments have always been made by mail. the past several years as our XXXX children graduated and money became more available to us, I made larger payments. I began to notice my statements were not coming monthly. I set up a on-line account and realized there were quite a few statements with 3 month lapses and sums of extra payments that were applied to interest and not the principal. I notified ACS by phone which requires a few auto dials and time. I instructed them that I would like to receive monthly statements even when I overpay in order that we could receive the benefit of paying ahead. I was informed that it could not be changed at this time but I would have to wait until another payment was made and I would have to call back when the next payment was being processed. Regarding the extra balance paid ahead, some of the money was applied toward the interest that accrued over the months that ACS did not send me any statements, making it look like they had been taking what I thought would be coming off my principal and instead using it to pay unpaid 2-3 months of interest. My husband and I have paid off many loans over the years, and never have I seen anything that resembled this. If I pay ahead on the principal, I always continue to get a monthly statement that updates me and allows me to budget. This, being a student loan at 7.25 % interest, which we have never been negligent on, should be much easier and user friendly. Our option is to attempt to contact ACS at the right time to change to monthly billing or take money from a retirement 401k and pay the XXXX XXXX balance off. Also, does not make up for the money lost when we thought our extra payment was being applied to our principal, and we did not realize that a statement had not come that month ; we had actually gone a month or at times 2 months without making a payment. At times it looks like our entire extra payment went to the principal ; I always write on the return slip to '' apply to principal. '' At other times it was going to interest which I have now found out was because no payment had been made for 2-3 mo., again related to no monthly statements.
12/21/2015 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Having problems with customer service
  • OH
  • 43224
Web
I have mostly federal loans but I have a private loan as well. After graduation, my loan was assigned to XXXX XXXX. That was a great agency. The representatives were always helpful and explained things in detail. My account was then switched to ACS Education Services. I have experienced numerous communication issues with ACS. There is always a lag time between when I submit documents, the acknowledgment of receipt, and processing those documents. On XXXX XXXX, 2015, I resubmitted my Income Based Repayment application because of an error that I made. My payment date XXXX XXXX XXXX ) was approaching and I called on XXXX XXXX for the status of my application after checking the website. I was told the application had not been processed and was offered a temporary forbearance for my XXXX payment. I accepted that. I waited a couple of weeks and called XXXX. I was told my application was processed and approved XXXX XXXX. I did not receive notice of the application approval and was told the application was no longer useful because of the forbearance. I asked the agent, XXXX, if I needed to resubmit the application. She told me no and that she would resubmit it on my behalf. I waited and did not receive any correspondence from XXXX nor was anything updated on the website. On XXXX XXXX around XXXX p.m., XXXX called me ( I found this unusual ) to tell me that I needed to resubmit the IBR application that she originally told me I did not have to submit. I asked her why there was not clear instruction when I specifically asked and what I should do about my XXXX payment. My account was placed in forbearance again " as a courtesy ''. I resubmitted the XXXX application again on XXXX XXXX via fax. I have a fax confirmation. I checked the website XXXX XXXX and received a message that I should check XXXX XXXX. I checked the website on XXXX XXXX and called. I was informed by the representative that my paperwork was received but that it was still pending. I have not received any correspondence or communication from XXXX. I am beyond frustrated because I have had to spend a great deal of time trying to pay the money I owe at a rate that I can afford. ACS is difficult to deal with, has a poor website, and communication is lacking.
03/14/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • PR
  • 00925
Web
For the second year in a row, I have submitted my Income Based Repayment Forms as per the Instructions for Submitting the Request included with the form ( see attached ). I sent it via fax in XX/XX/XXXX in order for it to be processed by XX/XX/XXXX. I believe it is absurd to have to submit the paperwork three ( 3 ) months in advance in order for it to be processed ; nevertheless I followed the instructions given. Once again, I am forced to resubmit the paperwork by email ( an option that is not available on the Instruction form ) and I have to wait 7-10 days for the email request to be processed. It will then apply to my XX/XX/XXXX statement, forcing me to agree to forbearance as I can not make the required payment for XX/XX/XXXX ( which is why I am asking for IBR option in the first place ). This means that the interest for this month will be capitalized to my student loan because of ACS 's negligence in processing my timely request for IBR. Attached are the forms I submitted on XXXX XXXX for my XXXX XXXX payment, along with the fax confirmation that ACS received the paperwork. In XX/XX/XXXX, the same thing happened. I submitted the paperwork in XX/XX/XXXX for IBR by mail and they also indicated they had not received it. I resubmitted by fax and again they indicated they did not received it. This caused negative reporting on my student loan and again, the only other option available was to request forbearance and have the interest capitalized on my loan. They processed my request in XXXX XXXX after multiple attempts to have my request processed. As you may know, it is hard enough dealing with repayment on student loans that ACS has to add to the burden by having unreliable methods of communication, requesting unreasonable efforts on behalf of the students to submit a simple form and by forcing students to have the interest capitalized when ACS has failed to process and IBR request by only offering forbearance as an option. Remove any negative reporting during XX/XX/XXXX, apply any interest capitalized as a result of ACS 's negligent servicing of my student loan to my loan principal, add the email address ACS uses to process the request to the " Instructions for Submitting the Request ''.
07/21/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • SD
  • 57785
Web
ACS sent me a XXXX which I do not recall when I received it. Around the XX/XX/XXXX I received a letter from the IRS saying that I owed {$890.00} in taxes from my XXXX taxes due to the XXXX. I had spoke to our tax lady and she said that I needed to find out why I received the XXXX. That ACS must have filed the wrong paperwork. Within a two days I located the XXXX and called ACS. On the phone the lady said, " We knew that the IRS would think that we sent you a check for {$3000.00} and we were waiting for you to get paperwork so you could send it to us. '' I said something like I do n't understand, this does n't seem right. She explained that in XXXX of XXXX there was an audit on my account and they lowered my principle balance by {$3000.00} and that is what the XXXX is for. She said, " When you send us the paperwork we will send you a check. '' I restated that this does n't seem right. How can I pay taxes on money I did n't get. She said that is just how they do things. I said that It 's not right and then asked if they were going to just pay the taxes or send a check for the full amount. She said, " No, the check will be for the whole amount. '' I said, " So you are sending me a check for over {$3000.00}. '' She said, " Yes, for {$3000.00}. '' I again said this does n't make any sense. Within a couple days I emailed a copy of the IRS papers showing what we owed for taxes. On XX/XX/XXXX I called to find out what was going on. It was a different lady on the phone. She looked up the records and said, " A check was cut for {$890.00} and yesterday. '' I explained to her the conversation that I had with the first lady. This lady said no, I am sorry that you were told that. We just pay the taxes. I questioned how it was right to pay taxes on money that I did not receive. She said that is how we do things. I again stated that this is not right. I received a check on the XXXX XXXX for {$890.00}. This did not cover all that it cost me to fix this issue. There were fees from the IRS for paying with a credit card. I felt I had to pay it with a credit card so that there would not be any additional late charges. I am wondering what kind of tax relief or break they received from IRS to be able to do this.
02/27/2016 No
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Received bad information about my loan
  • OH
  • 43204
Web
I took out federal subsidized and unsubsidized student loans when I went to XXXX University. I graduated was accepted at XXXX University XXXX XXXX where I took out the same federal loans, and also XXXX Plus loans. In XXXX 2015 I called XXXX to ask about a PSLF consolidation because I work at a nonprofit. I sent the application in on XXXX XXXX, they said they got it on XXXX XXXX. On XX/XX/XXXX, I got a letter from them about the consolidation, but the information was wrong, so I called. None of my loans with my ACS servicer were included in the consolidation, but the rest were. All are eligible, the only difference is the servicer. I spoke with a XXXX worker named XXXX, who told me that ACS is giving XXXX " a hard time, '' and that ACS does n't want me to consolidate those loans. ACS wrongly informed XXXX all my loans had a XXXX balance except the XXXX Plus loan, and they said that loan was ineligible. XXXX asked if ACS is collecting, and they are. None of the loans ACS services are either ineligible or have a XXXX balance, they are exactly the same kind XXXX included in the consolidation. XXXX said, " They ca n't have it both ways, tell us you have a XXXX balance and then collect from you. '' She said I have a legitimate complaint with ACS, but XXXX could do nothing about it. ACS will not give XXXX the information they need, so I had to cancel the consolidation and call ACS. XXXX said I could reinstate the consolidation application when they have the information from ACS. I called XXXX on XXXX, and they said they got XXXX 's request on XX/XX/XXXX, but it would take up to 30 business days to submit the information. I asked for an email confirming that. The said it would take XXXX hours to send it, but they would. On XX/XX/XXXX, I still did not have an email confirming they would send the information to XXXX, so I called ACS again. They said the same thing. I again asked for an email confirming that, and they agreed. It is XX/XX/XXXX, and I still do n't have an email from ACS I tried to file a complaint with the Ohio AG, but their website has been down the last two days. ACS refuses cooperate with me or XXXX, they are not complying with the terms of my loans that allow me to consolidate.
06/28/2018 Yes
  • Student loan
  • Federal student loan servicing
  • Struggling to repay your loan
  • Problem lowering your monthly payments
  • CA
  • 94609
Web Older American
Income-driven repayment calculations are based on the borrower 's XXXX and not on gross income.This complaint concerns new student loan payment amounts for federal loans based on a misstated XXXX. In XX/XX/XXXX, I recertified for XXXX student loan payments with XXXX. I am both self-employed and employed by a temporary agency. My tax consultant filed an extension for my XXXX income tax return. Due to this extension and the lack of an income tax return, I had to provide my XXXX and XXXX forms to XXXX directly. I did on XX/XX/XXXX. Thereafter, I called XXXX on XX/XX/XXXX to inquire about my XXXX recertification. They calculated my XXXX at least {$10000.00} higher than my tax consultants estimated XXXX and set the student loan payments accordingly. Because my income in XXXX is drastically lower than last year, I submitted XXXX applications for recalculation. I submitted self-certifications for self-employment and pay stubs from my employer as supporting documentation. After submitting each new XXXX application, I called XXXX to inquire about the status of my application. I submitted new XXXX applications for recalculation on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. I spoke with Conduent representatives on XX/XX/XXXX, XXXX, XX/XX/XXXX and on XX/XX/XXXX. XXXX lowered my XXXX by about {$13000.00} but their XXXX is still significantly higher than my projected gross income for XXXX. I am struggling to pay my student loan debt. I am age XXXX ; my financial struggles have been exacerbated by medical expenses. Conduent does not reveal their XXXX calculations, discusses their XXXX number only when asked, and has stated that I provided " too much information '' or denied my application based on some other issue such as failure to use the word " gross '' income in conjunction with my self-employment. I also newly understand that XXXX is exiting the student loan business and that my loans are scheduled for imminent transfer to a new servicer. I have received little concrete guidance from XXXX concerning what documentation is sufficient but not " too much. '' There is no transparency in their conduct and their XXXX calculations are grossly misstated.
10/23/2019 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Problem with customer service
  • DC
  • 20007
Web
Timeline : XX/XX/XXXX - sent request for cancellation form ( employed at XXXX XXXX XXXX ) to ACS. XX/XX/XXXX - letter from ACS that deferment processed on my loan through XX/XX/XXXX. End of XX/XX/XXXX - sent request for cancellation form ( employed at XXXX XXXX XXXX ) to ACS. XX/XX/XXXX - letter from ACS that I needed to correct the start date on the form I sent for deferment. XX/XX/XXXX - faxed and mailed to ACS updated request for cancellation form along with letter from office manager at XXXX stating I had been continually employed and correcting the start date in writing, received fax confirmation. End of XX/XX/XXXX - my Perkins loan is transferred to Conduent. XX/XX/XXXX - letter from Conduent that my deferment status will expire on XX/XX/XXXX with no mention of the current balance or any problem with the loan. XX/XX/XXXX - Conduent reflects that the current balance on my loan is {$3400.00} and that my " Pay Off '' is good through XX/XX/XXXX. XX/XX/XXXX - sent request for cancellation form ( employed at XXXX XXXX XXXX XXXX ) to Conduent. XX/XX/XXXX - letter from XXXX informing me that my Perkins loan has been transferred to them. Beginning of XX/XX/XXXX - sent request for cancellation form to XXXX along with prior documentation of every request for cancellation form I'd sent to Conduent and ACS because the balance XXXX reflected on my account is still {$3400.00}. XX/XX/XXXX - XXXX sent me an email that they were denying my old documentation. There has never been any indication of a problem with my paperwork or my account in the past, other than the one time in XX/XX/XXXX that I corrected. I have been working as a registered nurse the entire time my loan has been in repayment and I have diligently completed the paperwork for deferment. I am entitled to have this loan forgiven. My deferment has clearly been processed because my account has never been delinquent and the pay off date has been extended, yet the balance still sits at {$3400.00}. When Conduent transferred my loan to XXXX they blocked me from accessing my account further so I can't reach out to them to resolve this issue. I need Conduent and XXXX to get to the bottom of this.
12/13/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Having problems with customer service
  • MN
  • 55408
Web
ACS purchased my loan from XXXX and noticed was not given in a timely manner. When I did receive notice, I faxed my deferment forms to ACS as I did with my other lenders. Last year, I consolidated all my loans with XXXX and ACS was paid in full and my account was deemed closed and paid. Earlier this year, I reviewed my credit report and noticed late postings from ACS on my credit report. I disputed the late reports due to my filing for a deferment during those time periods and requested a review of my account status from the credit bureaus and ACS. On XX/XX/2016 ACS re-labeled my paid accounts as delinquent! After contacting ACS numerous times over the next month I was finally put in contact with an account manager who stated that she would look into my situation. In reality, I had to keep in contact with her and send numerous inquiries to XXXX and XXXX disputing the accounts. Eventually, one of ACS accounts was put back on paid/closed/current status but the other account is still showing delinquent status even when it has been paid and closed. It is not showing the final payment and thus harming my credit. This is beyond the disputed late months that I was initially disputing with ACS and it seems to be in retaliation of my initial disputes. The ACS representative even informed me that they sometime misplace or lose the faxed deferment forms and if I could find my copy it would help but as I explained to her those forms were faxed years ago. In addition, I explained that regardless of my disputes of being reported late my account was in current status showing paid and closed and after my disputes they became delinquent which is not legal. In closing, I am requesting the CFPB to investigate my claim and account, return my accounts back to current and not delinquent as shown by XXXX and XXXX due to the information provided by ACS and also have ACS remove those late reports as my other student loans during those same time periods show current or paid due to the deferments that were in place. ACS more than likely overcharged me due to their practices but since they have already received their funds I just want my accounts to reflect the rightful status
05/25/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Keep getting calls about my loan
  • MA
  • 02382
Web
I attended XXXX XXXX XXXX XXXX XXXX XXXX and XXXX in XXXX. I was forced to file for chapter XXXX bankruptcy in XXXX because of the lack of willingness by a student loan company to work with me on the payment amount. Just before I XXXX from XXXX, I suffered from a serious medical condition that forced me to be out of work for about six months. In XXXX the economy was starting the downward spiral, I managed to get XXXX jobs XXXX at minimum pay and eventually got a job with the Social Security XXXX in XXXX XXXX. My starting salary was {$37000.00} per year. I had my young son and a household to support. The student loan company did not care and based my payment on what I earned. I could not afford the payment thereby filing for chapter XXXX bankruptcy. I made the court ordered payments to the trustee who then sent payments to the student loan servicing company, XXXX. My bankruptcy was discharged in XXXX XXXX. What I was not aware that XXXX sold my loan to ACS Loan Services, it took ACS 4 months to inform me that they were now servicing my student loan and then informed me that they added capitalized interest of {$14000.00} onto my loan, bringing my loan amount to {$100000.00} at an interest rate of XXXX. My payment is now {$680.00} per month. I never received any kind of notices or information from the either student loan servicer that this was happening. I have tried to dispute the capitalized interest with ACS with no relief. I have been sending in partial payments of what I can afford. I have managed to make a full payment the last three months but ACS keeps charging me late fees, applies none of my payment to the principle and the balance of the loan keeps growing and the interest keeps compounding. Over 6 years I have payed XXXX and ACS about {$25000.00} and my student loan principle has never gone down, it continues to grow. This is extremely distressing, I am XXXX XXXX XXXX and will never be able to pay this off. I am not disputing that I am obligated to pay the loan, I am disputing the {$14000.00} ACS added onto the balance. I have made a good faith effort by making payments towards this loan, but, at this rate I feel this situation is hopeless.
07/10/2018 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Problem with customer service
  • NH
  • 03062
Web
Having trouble with conduent who is the loan servicing agency for XXXX. We took educational loan from XXXX for our daughters college education and then repaid it on XX/XX/2018 by refinancing it with XXXX XXXX for better rate. We called them after to make sure the loan has been paid off in full and they told us that we overpaid around {$5200.00}. They assured us that it will take 60 days to refund the amount. We waited for 60 days and more and called them again on XX/XX/18 and they told us that account was frozen so now they will send the request to refund. Called them again on XX/XX/18, we were told that still waiting for the approval from XXXX since the amount is over {$5000.00}. Called again on XX/XX/18 and was told that the 2 Cheques for {$3900.00} and {$1300.00} totaling to {$5200.00} were sent on XX/XX/18 as a refund and I should be receivng them shortly. Waited whole week and called again on XX/XX/18. To my surprise, I was told the same story again that they are waiting for approval from XXXX for refund and no Cheques were sent. Asked them to transfer my call to a supervisor and was told that they are all busy on other calls and took my number so they can call me back and they never called back. I hope XXXX understands that they owe me interest on my money they are holding for no reason as it is not a small amount and that amount is supposed to be used for my daughters educational loan repayment. Since they charge us interest on the money they lend us then they should be paying interest on the money they are holding back. Please help us in getting our money back from them with interest and compensation for time and energy spent in calling them and talking to the customer service professionals who will give us different answers each time. They are incapable of giving any right answers. We are very disappointed with this company and probably will never work with them again. The above complaint was closed with a response from company saying that they have issued and sent a Cheque to XXXX for the amount of {$5200.00} on XX/XX/2018 but to my surprise the funds have not been received by XXXX till today XX/XX/2018.
10/05/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Having problems with customer service
Web
Hello, I have a student loan from my university that is serviced with ACS and had been transferred to them from XXXX XXXX. I have been paying on this loan regularly for over six years and am in good standing with all of my loans through XXXX, XXXX and ACS. Since this particular loan was transferred from XXXX XXXX, I have run into numerous issues. I often can not get onto the website to pay due to technical issues and site outages. I 'm currently working abroad, so being able to pay online is important. When I phone ACS, the line disconnects or it goes to an answering service- I am never able to reach a human being. Last month, I reached out to ACS via email to let them know the issues I was having and requested assistance. My loans have been late a few times in the past year due to these technical issues on their site and once again, I was trying to pay a loan and the website would not let me log in. I then requested that ACS set me up for automated billing, as I can not continue to worry about whether or not the payment functionality on their end will work. Instead, ACS sent me a notice that I had applied for a Forbearance- I never once asked for a Forbearance. I emailed them again to let them know that I had asked to be enrolled in automated monthly debit and that I had not applied for Forbearance, and I requested that the matter be corrected. I have not heard from them on this. It also looks like my last payment has been processed two weeks after the fact. My complaint is not about paying my loans- I pay regularly as I have for many years, despite my frustrations at never seeing my loan balance decrease, and am fortunate enough to be able to afford student loan payments at this time in my life. My complaint is that I am unable to work with this student loan company, ACS, because they : a ) do not have a working and functional website b ) do not answer the phone, c ) make errors in my requests and d ) are not reliable in responding to emails. As of now, I do not know where my loans stand with them since they are apparently processing a forbearance that I never asked for. What are my options here?
11/27/2017 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • SD
  • 57042
Web
In XX/XX/XXXX a debt collector for XXXX XXXX XXXX claimed I owed a " ULT '' student loan at University XXXX XXXX XXXX XXXX ( XXXX ). The debt collector claimed to be working for the government institution XXXX but then they directed me to pay the commercial company ACS. I asked for promissory note and any other documentation. They said they do not have a promissory note and sent me computer screen print outs. In a letter was threatened that if I challenge their claim they would raise my interest rate to 18 %. I then contacted the Department of Education and The National Student Loan Database asking about the loan and the agency ACS. I have found that there is no record of any " ULT '' student loan. I have done my own research and have never found a such loan called " ULT ''. I have printed my entire student loan history. I have receipts showing XXXX balance on student loans at XXXX. On XX/XX/XXXX I tried to access my transcripts and discovered there was a hold. This hold on my transcripts was my cause to sue and I filed a lawsuit for fraud on XX/XX/XXXX. I have since discovered a trail of fraud including a XX/XX/XXXX tax intercept and that they ( ACS and or XXXX ) were debt collecting concealed under a different name in XX/XX/XXXX on my credit report. When I did a debt of validation on my XXXX credit report to dispute a unknown claim I won that debt of validation and their claim was removed. At that time I had no cause to sue due to the concealment I was not able to make the connection that ACS was in fact XXXX frauduently attempting to collect a non existent debt. After I filed the lawsuit I was contacted by an attorney for XXXX asking me to sign something and they will give me my transcripts. I of course refused to sign anything. This is 100 % fraud and I have collected a great deal of documentation to prove it. I have since been to 3 court dates where the attorney for ACS still has not provided any documentation of any debt instead has continually tried to delay the proceedings by not sending me notices and filing motions to dismiss. The next court date is XX/XX/XXXX.
03/24/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Can't repay my loan
  • Can't temporarily postpone payments
  • CA
  • 96002
Web
ACS in XXXX NY has been handling my loans for a long time. They currently will not take my phone calls, and their head manager will not return my calls. They refuse to cooperate or speak to me, take my payment over the phone, or assist me in any way. My deferrment period has run out, due to the misinformation, lies, or lack of knowledge of their call center staff. Its like they have hired it out to some foriegn country and/or individuals who are untrained, unaware, or under pressure to terminate loans. I am confident it is their fault that I am in this position. For years I have been asking them on numerous occassions for information about a low payment loan to repay my loans or a govt loan to repay them. I am always told that no such loan exists, they have no idea what Im talking about, and know of nowhere to refer me. As it turns out, the loan I was referring to is called an IBR, which is supposed to be offerred by their services, which I couldnt figure out, and asked for their help. I received it by chance, several years ago by one staff member who was really helpful, but I didnt understand it or where it came from, and was given no explanation or renewal process to keep it going. Of course I would have preferred to have this loan paying down my loan amount! However, I didnt know it was available, and the call center staff declared no knowledge of any such thing. Consequently, I only knew to defer my loan, which seemed the only relief, since I do not have the funds to make the huge payments. Finally the supervising manager helped me to apply for the IBR, when I appealed to her, but I was assessed a full payment of over XXXX XXXX dollars -- in the meantime, which I can not afford. I have been approved for the IBR now, which I finally understand and am thankful for, which is at low reasonable payments, but they are assessing me in default because I can not make that one huge payment that they leveled on me between the time I applied -- to when it was approved, which was several weeks. Its not fair : what has been done to me or the way I am being treated.
11/15/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Can't repay my loan
  • Can't temporarily postpone payments
  • IL
  • 60139
Web
Hello, I originally took in this loan over 3 years ago, the reasons I have not paid the full amount yet is mostly economical, I went through a divorce 5 years ago and I am a single mother supporting myself and my daughter. I have deferred or ( forbearance ) payments for a total of 36 months, ( I had no knowledge the maximum time for forbearance was 36 months and that I had exhausted that time limit ) I was offered the option on the phone to get this done once more and I did it. My plan was to pay this in full when my tax return arrive early next year since I will finally be receiving incentives at work starting next year. I phoned ACS sometime in XXXX to submit my request to defer over the phone and it was accepted, at no point or time I got a denied note telling me it was actually denied. I went on and about thinking my account was in forbearance until I get a warning from XXXX telling me ACS had reported negative information in my file. I understand I exhausted the time limit but I did not know I did, nobody contacted me from there to let me know and to start making payments! I begged them to please remove the negative information from my report since my credit score dropped more than 60 points! I am finally trying to get a loan for a house and this is not helping me. I have friends who have been able to put their accounts in forbearance for multiple years, none of them are of XXXX descendent, which is very strange. I spoke to ACS and let them know I could me XXXX payments from XXXX and starting XX/XX/XXXX I can either get back into full repayment or pay the account in full. The stated the are obligated under FCRA to report negative information if the loan is n't paid as agreed, or account is in suspended payment, I understand that but I was under the impression I WAS in that status, had I known I was not I would have start paying somehow. What ACS is doing is keeping me from going forward in life, all I want is the negative information to be deleted from my credit reports because I did not know my account had exhausted 36 months of forbearance.
02/11/2021 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • OR
  • 97231
Web
XXXX : Graduated XXXX XXXX XXXX XXXX. XXXX XXXX : Consolidated my loans. Total financed : {$120000.00}. Terms : Level payments, 30 years, 3.5 %. First servicer was XXXX XXXX. I started making monthly payments for the amount due. Made at least the required payment. No missed payments. XXXX : Loans were transferred to ACS. I continued to make monthly payments, and monthly excess payments. No missed payments. I noted that my ACS principal balance did not appear to be declining according to my own schedule ( even assuming no excess payments were applied to the principal ). Over the years, I requested the amortization schedule and other information from ACS many times, but they did not comply. XX/XX/XXXX : Loans were transferred from ACS to XXXX. As of XX/XX/XXXX, ACS showed my principal balance to be $ XXXX.This value in itself was not correct. This can be proven by plugging the initial loan terms into an amortization calculator. Assuming no extra payments ( ever ), my balance should have been about {$81000.00}. In addition, according to a policy I was aware of, my extra payments were not being applied to the principal. They were used to advance my due date. As of XX/XX/XXXX, my due date had been advanced by my extra payments to XX/XX/XXXX. That's 17 months of monthly payments. Because ACS had calculated my monthly payment as {$640.00}, this totals {$10000.00} that was not applied to my account before it was transferred to XXXX. By my calculation, based on records that I have, the amount that should have been transferred from ACS to XXXX should have been around {$70000.00}. Not {$94000.00}. It is well known and broadly reported that ACS mishandled student loan accounts including mis-calculating and mis-applying payments, and that when they were forced to transfer their accounts to other servicers errors like the ones I am reporting did occur. To fix this, I would like my opening balance with XXXX to be corrected. I have tried to get XXXX to address this, but they say to contact ACS. I can't contact ACS because they are out of business.
06/15/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Having problems with customer service
  • VA
  • 22305
Web
My student loan servicer is ACS Education. In XXXX 2016, I submitted an application to XXXX ( XXXX ) to consolidate my federal student loans at a lower interest rate and to also qualify for the Public Service Loan Forgiveness program. A few weeks after I submitted my consolidation application to XXXX, I was informed that my application was denied because ACS Education had failed to certify the loan amounts. As part of the consolidation application process, XXXX makes a request to ACS Education to certify the loan amounts. ACS Education is supposed to provide XXXX with Loan Value Certificates. As of today ACS still has not sent those certificates to XXXX. In XXXX, once I learned my application had been denied I contacted ACS. I was told that ACS is still working on the certificates and making " adjustments ''. The most outrageous part is that the representative on the phone could not tell me when the certificates would be completed. Since XXXX, I have called ACS several times and each time I get the same answer that ACS is still working on the certificates and can not tell me when they will be completed. It is literally going on six ( 6 ) months and I still have not been able to consolidate my loans. This is truly unfair, as I have been subjected to higher interest rates and I am losing credit time towards the Public Service Loan Forgiveness program as I must be serviced by XXXX to qualify. I am literally being held kidnapped by ACS Education who refuses to issue loan value certificates so I can consolidate my loans with another company at a lower interest rate. I have done some research online and there have been a ton of complaints and lawsuits made against ACS Education. One important note is that when I contacted PHEAA to inquire as to why my consolidation application had been denied, the representative on the phone explained to me that PHEAA always has issues with ACS and getting loan value certificates. Appropriate action must be taken against ACS Education as this is truly unfair to consumers whose loans are serviced by ACS.
10/05/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Problem with customer service
  • NC
  • 28207
Web
I have a XXXX XXXX loan with ACS Education. I have made all my payments online and on time, always on the 1st of the month, for almost 8 years now. This month, when attempting to pay my monthly bill, I have not been able to access my account. Each time I sign-in with what I have verified multiple times as the correct login information, I 'm told the service is temporarily unavailable. I have sent multiple emails to customer service both through the website and directly from my personal email account detailing the problem and attaching screenshots showing the issue. I have also attempted to contact customer service via phone, but the system will not let you talk to anyone until it recognizes your SSN and DOB. Despite repeatedly entering these accurately, the system claimed it did not recognize either so I 'm unable to reach anyone to resolve the issue. Further complicating this is that I do not have an account number to include on a check to mail to ensure my payment is processed correctly because ACS uses my SSN as an account number - and I think it is really dangerous to include this on a check. I have received no response or from ACS, only acknowledgments that my email has been received and that I will receive a response in 48 hours. This has not happened, and I have been having the same problem for four days now, putting me in danger of submitting a late payment! This is clearly a way for ACS to force late fees or other issuers on its borrowers, with little or no borrower ability to contest! Please contact someone at ACS to make sure they know this is happening and ensure that borrowers are not being unfairly penalized for the servicer 's incompetence. A quick XXXX search on the web will show you that ACS has in the past caused similar problems for other borrowers and this is really hurtful - particularly for those of us who do everything we can to make our payments responsibly. I thank you for your time and please feel free to contact me directly if you would like further details.
12/29/2017 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • VA
  • 22314
Web
From XXXX XXXX through XXXX XXXX, I had issues with ACS not updating my payments properly, charging me with late fees and coming up with increasing larger, but never really explained amounts in arrears. I will attach my payment history which shows only two late payments in two years, followed by my paying extra amounts to catch up and paying out a large sum to catch up on what they said was in danger of being delinquent though not accounted for. I never defaulted and even though dealing with illness and hospital bills, I never neglected to pay even if it was just my regular payment. ACS, now Conduent called me multiple times a week multiple times a day at all hours and I also answered and explained my situation and made payments. Some of the customer service reps even advised me of times to pay to avoid credit reporting consequences. In XXXX, around the time I learned that I had been hit with bad charges related to the XXXX and XXXX breaches, I saw where ACS/Conduent had reported multiple 60 and 90 day payments delinquent. It made a huge dent in my credit score, and like the actions taken by the company in my other complaint, are incorrect, unwarranted, and a detriment to my position as a cleared XXXX. I wrote to ACS/Conduent and received a reply that they had no control over the reporting and to reach out to XXXX. I reached out to XXXX and was told to go to Conduent. Neither of them answers the phone or returns voicemails. I attached the email chains for your reference. I didnt realize it, but this treatment is very close to that complained about in the recent lawsuits https : XXXX? XXXX and https : XXXX. Unfortunately, Virginias XXXX has not joined this effort and so I am reaching out to you. This characterization of my payments and the credit reporting is false and I would like it removed. Also, it cuts against my livelihood, which I need to pay the loans back. It is difficult to understand why a lender and services would want to harm the source of their payments.
11/20/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77346
Web
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED Late account information from my consumer file. Despite my three written requests and complaints, the unverified Late items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these Late accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, XXXX, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged late account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. XXXX XXXX XXXX XXXX/ XXXX ACS
11/03/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Received bad information about my loan
  • CA
  • 91730
Web
ACS has not been in contact with me consistently since I needed to start repaying back my loan. When I contacted them, they had the wrong address and updated me on payments. When I called to make my first payment, I was told I qualify for a cancellation, all I had to do was fill out a form and get a paper from my principal that said I was a XXXX at the school I teach at. I mailed in the documents and I was denied. I was then told I needed documentation that was on an official letterhead head, an official seal, & the date signed. I got that paperwork and heard nothing back until I received more documentation two weeks later saying my loan was going into collections. I called and immediately threw a fuss because I had done everything they asked. They told me in order to get it worked out, my principal needed to specifically state " XXXX, '' I protested by saying that no place in America has " XXXX '' teachers and me having to do that was unnecessary. I went back to my principal a third time and requested that pointless piece of documentation and sent it off. I thought I was in the clear until today I check my mail and see that again I am denied because the date on the documentation was incorrect. I am being harassed and threatened. I am being made to feel like I have something to hide and that who I am is not adequate. I have spent the last five years earning XXXX degrees and the amount of titles I hold XXXX would show I am clearly XXXX and an important one. I have been belittled and chastised by ACS and disregarded for. Their communication is lacking, and their flexibility is none-existent. If anything, it seems as though they want me to not go through with this process although I was advised to. Not to mention, all of the information they require is verified by the state. All of my credentials and positions are public record yet they refuse to take that initiative. I am using this time to file a complaint and contacting my lawyer.
02/16/2016 Yes
  • Debt collection
  • Non-federal student loan
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MA
  • 01886
Web Servicemember
I was XXXX at XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I have a XXXX XXXX that was further compromised by XXXX which severely limited my cognitive functioning. Due to the impact this had on my XXXX I was not able to sign or make financial decisions independently. The school recommended I fill out loan applications with their " trusted providers '', one of them being XXXX XXXX XXXX which filed for Bankruptcy XX/XX/XXXX and no longer exists. I never received any documents that informed me 1 ) that the loan was approved and 2 ) a check or wire transfer for the funds/loan they are now collecting on. I became aware of the possible discrepancy after being denied for a mortgage, and requesting copies of my student loans applied towards my XXXX tuition from the school financial services office. The ACS private loan did not appear and I can confirm that a check was never received or deposited to any account of mine. ACS claims they will try to research the issue, sending me a copy of the promissory note and a copy of the disbursed check that will tell me how the funds were delivered and to whom. Since I have XXXX % proof that I never received or signed for a deposited loan, I am requesting that ACS discontinue their credit reporting until they can provide the necessary financial documents that prove this loan is mine and the funds were deposited into a bank account by me. ACS claims that their process takes " 30-45 '' business days and demanding I continue making payments while I attempt to validate this loan. I demand they put a HOLD on my account until the proof is provided. The loan is currently a {$40000.00} debt which my father has paid in error for the last few years, believing it was something I may have taken out myself. Due to the seriousness of this issue and possibility of fraud implied, I demand that ACS expedite their standard process for recovering the requested data and cease all credit reporting activities until then.
06/17/2016 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't temporarily postpone payments
  • WA
  • 98104
Web
I have a private student loan with ACS-Education. I submitted an Economic Hardship Forbearance/Deferment on XXXX XXXX 2016 because of a drastic change in my economic circumstances and inability to make the normal payments I have made for the last 5+ years. I was told it would take 7-10 days. Since then, I have received once inconsistent email after another telling me different things. I have not received a formal reply regarding my request. On XXXX XXXX, I had to call 3 times and got 3 different answers regarding the status of this request! In addition, I asked to see a written copy of the terms and conditions of any formal forbearance request and I was told, astonishingly, that they have no written agreements! How is it possible that an organization can exist and operate as a business with such unethical business practices and violating a consumer/borrower 's rights to agree to terms and conditions AFTER reviewing them in writing instead of verbal, over the phone agreements!? ACS-Education has refused to work with me for a more long term solution to my economic hardship and student loan debt burden. ACS Education has refused to be transparent in their procedures regarding my requests and they have failed to deal with the requests and enquiries in a timely manner or even to have proper writtent forms, agreement and procedures to ensure transparency and consistency. As such, they are in violation of my rights as a borrower and, I believe, engaging in highly inconsistent and unethical business practices, especially in terms of servicing my loan. To date, they have not processed my Economic Hardship Forbearance request for the maximum of at least 31 months to allow me time to deal with my drastic change in circumstances, especially considering that I have made consistent monthly payments over and above what was due for over 5 yeas now. I need CFPB to intervene and help resolve this matter immediately! Please help me! Thank you.
07/18/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • MD
  • 21784
Web
My school loan was a ten year loan and I made payments to the first company, XXXX , who owned the loan begi nning in XX/XX/XXXX . Then the loan went over to XXXX and I continued to make payments without any problems. In XXXX the loan went over to ACS and I continued to make payments. After the ninth year of my loan ended I contacted ACS to find out my payoff amount as I wanted to pay off the loan then and not wait another year. At that time I was informed that my loan was a fifteen year loan instead of a ten year loan and that it was about to go to default. I was told that I would have to pay to bring the account up to date and file paperwork to keep it from going to default. I made the payment ( ACS has no record of this payment ) and sent in the paperwork and it still went into default. I have been trying to get a copy of my master promissory note from ACS. Six months after my request they finally sent me paperwork that I was unable to read ( the words and letters were from no known language certainly not in English ). For some reason ACS does not have the MPN or the supposed updated loan information that changed my ten year loan to a fifteen year loan. They also do not have any record of my payments that were made to XXXX and XXXX even though ACS is the company who services the loans for XXXX . I just contacted them again and I still have not reached a satisfactory conclusion as to my situation : a copy of my original loan of ten years, when and how the loan could have been changed to a fifteen year term without my permission or knowledge, why they do not have a record of my payments made before they became the company that serviced my loan ( ACS services XXXX school loans so that is not a valid excuse ), how they lost my last payment to them, and finally how they could have sent my loan to default when I made the payment to bring it up to date and sent in paperwork to keep it from defaulting.
10/24/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Need information about my balance/terms
  • FL
  • 33139
Web
I have a FFELP Consolidation loan that was originally serviced by XXXX ( I think- it could have had another servicer before that but neither Navient nor ACS will give me a complete accounting or chain of ownership of the loan ) and is now serviced by ACS Education . I have been current for many years, paying as much as I possibly can, and the principle balance has not even budged! At one point I went into forbearance when I lost my job in 2009 and then when I got a new job making much less money, I offered to pay them half of the monthly payment and they said NO, it 's all or nothing. Flash forward a year or so and I began again making the monthly payments. My loan balance BALLOONED from the time XXXX sold it to ACS. I believe there may have been a prepayment penalty that I am now funding because ACS wanted to buy the portfolio. They also arbitrarily apply my payments to principal and interest- the last time they applied any amount to principal was 4 months ago and there is no rhyme or reason why. I never received a repayment schedule from them which is in derogation of Part 682 of the CFR. They REFUSE to give me an accurate and complete accounting of the entire loan from start to finish or a copy of the Promissory Note and assignment documents despite my repeated attempts to collect the same from them. I stopped calling them a while ago because the answer is always no. I am now XXXX years old and ca n't qualify for a home mortgage because of this debt. They also wo n't remove the delinquencies from my credit report despite the fact that they are false. I pay lexington law to send them letters and they never respond. At this rate I will be paying this debt forever until I die and the principal balance will still be what it is today. This is unfair. Just like a mortgage lender they should have the obligation under the law to produce all of the records to show me why I owe DOUBLE the amount of my original loan!!!!!!
05/11/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Having problems with customer service
  • WA
  • 98466
Web
In XXXX, XXXX, my bank account had fraudulent charges and I needed to place a block on my account to prevent a company from withdrawing information from my checking account directly. My bank accidentally blocked my automated payments from my student loan company. As a result, it took over XXXX months to figure out the error and get everything sorted. During this time, I was calling my student loan company repeatedly, trying to process payments monthly through the online system, and receiving payment confirmations via email for each payment I submitted. When I called ACS to try and resolve why I was receiving payment confirmations, and the amount was not being withdrawn from my checking, I was receiving little information from their customer service team. I WAS NEVER informed that the payments were being rejected by my bank! I had to figure that out on my own, after several attempts to make monthly payments online. Once I figured out the issue, and a regular monthly payment went through and credited correctly, I paid the retro-active amount due for the past 4 months at one time, resulting in bringing my account current in XXXX, XXXX. I have requested repeatedly for ACS to clear the late payments from credit reports as a result of this error and I am met with indignance, snide comments and accusations that the lack of monthly payments was my fault along with the claims that they " attempted '' to contact me via mail and phone regarding the issue. No attempt to contact me has been proven on their part by phone, mail or email. The only contact I have is by email, in the form of a processed payment receipt each month from ACS. In fact, I called them each month trying to resolve and figure out what the issue is with my account. This company has hurt my credit report as a result, and refuses to correct their issue or address my concerns as a consumer regarding the lack of proper communication to me concerning my account.
09/01/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Received bad information about my loan
  • WA
  • 98002
Web
I attended a XXXX school called XXXX XXXX XXXX. I finished in XXXX of XXXX and the school closed it 's doors and revoked any availability of support promised at the time I signed my school contract. They took 3 months to find my externship and I did n't perform any of my skills from school at the externship. I was n't hireable. After spending {$10000.00} and earning a XXXX G.P.A. I could n't pass the XXXX skills test the same month I graduated. I have applied to ACS 's program to eradicate XXXX Colleges student debt, but was refused since I finished the program despite clear language in Section 6 " Terms and Conditions for Loan Discharge Based on School Closure '' of the application that states if withdrawl was XXXX after closure exceptional circumstances related to the closing of the school closing could justify and extension of the 120 day period that include but are not limited to : loss of accreditation, discontinuation of the majority of the schools programs, action by the state to revoke the closed school 's license to operate, or a finding by the government that the closed school violated State or Federal law. My experience at this school falls under all of these included but not limited to examples in the application. They closed due to a law suit that caused them to have their permissions to teach revoked until they re-organized as XXXX. I provided supporting documentation from reputable sites like XXXX and XXXX of the school closures associated with XXXX XXXX XXXX. They state XXXX became XXXX in XXXX. I attended XXXX XXXX XXXX which became XXXX in XXXX of XXXX. I don no know when they actually closed their doors, that is up for speculation. They avoid and do not acknowledge that fact they are denying my request based on institutions that have NOTHING to do with myself or my Federal loans. I was told by XXXX how to complete the application due to my situation. Please see the XXXX page attachment.
05/18/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • SC
  • 29605
Web
I have been corresponding back and forth with ACS/XXXX and now Conduent for the past year regarding the late payments they are reporting on my account with the credit reporting agencies ( XXXX, XXXX and XXXX XXXX ). Conduent is reporting two 60 day late payments on two separate accounts! Not 30 days, but 60! I have asked for explanation and proof that these payments were billed as payments due and not received. I am not accustomed to NOT payment my bills. They responded by providing the attached statements for both accounts. Neither of the statements show when a payment was actually due or the amount that is due. They do show when I made payments and how much was accepted and posted to interest. It also has a column for Late Charge paid, but no amount is ever listed in that column, even when payments were made. My argument is that the accounts have been in forbearance for pretty much the life of the loans, so any payments that I have made has been only when interest payments are arranged, which I get emails when payments are due and I pay them, as you will also see on the statements. There is no indication on the statements that payments were due in XX/XX/XXXX or XX/XX/XXXX. You will also see attached, a statement from ACS notifying me that both loans was back in forbearance beginning on XX/XX/XXXX. When I submitted this to Conduent, they said that the payments were already scheduled forXX/XX/XXXX ( ahead? ), but I never received any notification of payment due in XX/XX/XXXX. There are also other dates listed on the statements where there was no payments received that they have NOT reported late. Therefore, how does this prove that the late payments they are reporting are accurate? I am asking that the CFPB review the attached documents provided by Conduent and myself and help me to determine whether they have legitimate reason to report the late payments at all. Let alone 60 DAYS late! Come on!
08/12/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Can't repay my loan
  • Can't decrease my monthly payments
  • CA
  • 92128
Web
I have had student loans for approximately ten years with ACS as the loan servicer. I have had multiple issues with this company. They took my original loan amount and split it into XXXX loans. Now my credit report gets double affected when I have issues with their company. The customer service people do not speak XXXX well therefore, every call is around 1 hour long. They have to put me on hold for every question I have so they can discuss the issue with their manager. As soon as I was notified of my forbearance ending, I mailed in an IBR application on XXXX/XXXX/XXXX. I received no response as of XXXX XXXX. I called to see why no response and they stated that I had n't sent in the required documents. I had sent in my XXXX tax returns with the application. They stated that I needed to send in my XXXX tax returns. This unnecessary delay caused my IBR application to be approved on XXXX XXXX, XXXX while my forbearance had ended XXXX XXXX, XXXX. The month of XXXX has been billed at the original amount of {$380.00} and {$400.00}, too large for me to pay. I am able to pay the amounts approved of {$93.00} and {$100.00} but ACS is expecting me to pay the XXXX payment of {$780.00} ( XXXX loans which were originally XXXX ) before I can pay on the lower, more affordable amounts. ACS has done this multiple times over the years : horrible customer service, lack of responses to my applications until I call in, they have lost multiple forms I sent in over the years and now my credit has suffered tremendously due to this company I do not want to do business with. My student loans were at {$50000.00} 7 years ago, now they are at more than {$85000.00}. How can I get help with this account and have the IBR amount effective as of XXXX XXXX, XXXX so I can afford these payments? Also, how can I get XXXX single account instead of XXXX? I would like to refinance with another servicer as soon as possible. Thanks, XXXX XXXX
06/17/2018 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • NH
  • 03062
Web
Having trouble with conduent who is the loan servicing agency for XXXX. We took educational loan from XXXX for our daughters college education and then repaid it on XX/XX/XXXX by refinancing it with XXXXXXXX XXXX for better rate. We called them after to make sure the loan has been paid off in full and they told us that we overpaid around {$5200.00}. They assured us that it will take 60 days to refund the amount. We waited for 60 days and more and called them again on XX/XX/XXXX and they told us that account was frozen so now they will send the request to refund. Called them again on XX/XX/XXXX, we were told that still waiting for the approval from XXXX since the amount is over {$5000.00}. Called again on XX/XX/XXXX and was told that the 2 Cheques for {$3900.00} and {$1300.00} totaling to {$5200.00} were sent on XX/XX/XXXX as a refund and I should be receivng them shortly. Waited whole week and called again on XX/XX/XXXX. To my surprise, I was told the same story again that they are waiting for approval from XXXX for refund and no Cheques were sent. Asked them to transfer my call to a supervisor and was told that they are all busy on other calls and took my number so they can call me back and they never called back. I hope XXXX understands that they owe me interest on my money they are holding for no reason as it is not a small amount and that amount is supposed to be used for my daughters educational loan repayment. Since they charge us interest on the money they lend us then they should be paying interest on the money they are holding back. Please help us in getting our money back from them with interest and compensation for time and energy spent in calling them and talking to the customer service professionals who will give us different answers each time. They are incapable of giving any right answers. We are very disappointed with this company and probably will never work with them again.
06/21/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Having problems with customer service
  • NY
  • 13208
Web
ACS, a student loan lender failed to acknowledge my in school deferment and sent XXXX of my loans to collection, which put them in default. I only found out about it after applying for financial aid for the upcoming year. The FAFSA website told me to call XXXX. I called and spoke to XXXX to try to resolve the situation. XXXX told me that they are getting ready to garnish my wages. I told them that my family and I would not be able to live if they did that. I also told them that I 'm supposed to be on in school deferment, they should have never gotten the loans. At first, XXXX told me to fax them my taxes to do a voluntary repayment plan that I could afford. Than XXXX told me I needed to call ACS and tell them to do a repurchase because I was in school. I called ACS, and was told, " NO '' they were not going to do that. They did n't even want to help me. I think the representative said one sentence to me the whole time I was on the phone with her. I called XXXX and told them they would not do it and that they were not helpful at all. XXXX than told me to file an appeal and send documentation from my school showing that I was in school. I was told I would hear something within 30 days. I filed the appeal electronically through email that was given to me by a XXXX representative ( XXXX ). It has only been approximately 2 weeks since I filed the appeal. I have since then, received notification from my employer that they are garnishing my wages for this. What happened to the appeal? This is absolutely unacceptable. Why was I not able to defend myself at that hearing? What about the rights for the students? And, where is the guidance and assistance for students. I have a half a dozen other lenders that all have me on in school deferment. Everyone seems to be just passing the buck. This is outrageous. I ca n't even begin to tell you the undue hardship that my family is enduring because of this.
03/14/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Having problems with customer service
  • AK
  • 99772
Web
I am a XXXX who has Perkins loans through ACS ( Account Campus Products and Services ). I have been eligible for and received a 20 % XXXX Cancellation of my Perkins Loans for the past two years. Most recently, I submitted my paperwork to receive 20 % Cancellation of my loan for the XX/XX/XXXX-XX/XX/XXXX school year. On XX/XX/XXXX, I received a letter saying that the dates of hire on my paperwork did not match ; therefore, my request could not be processed. After multiple attempts trying to contact the person whose name appeared on the letter ( XXXX, Customer Care Senior Assistant ) plus their main contact number ( XXXX ), For months now, I have been unable to contact them regarding this issue. I have called in the morning, afternoon, and late afternoon. I have called on different days of the week. Each and every time, I am put on hold for 30+ minutes and have never once successfully connected to a customer service representative. In addition, I am unable to access their website at www.acs-education.com. I always get a message saying that the page is not working or the server did not respond. As a result, I have absolutely no way to get in touch with anyone about repayment of my Perkins loan. At this point, due to this delay, I now have a bill coming due XX/XX/XXXX. Rather than delay further, I have decided to simply resubmit the paperwork. On their paperwork, it asks for a XXXX-digit account number. I have XXXX different account numbers from ACS : one that is XXXX digits, one that is XXXX digits, and another that is XXXX digits. I would like to clarify and determine which one to use. Yet again, their website is not working where I live in XXXX, and now when I call, I am receiving a message saying that " Due to circumstances beyond our control, we are unable to take your call. '' I have tried various other phone numbers and no one seems able to put me in contact with these people.
12/04/2017 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • OH
  • 44611
Web
Please forgive me if I mix up servicer and owner of my loans. Its not always clear what is actually going on and I think that is the point of it. On XX/XX/XXXX I was accepted a loan modification offered by loan science on my private student loan consolidation serviced by ACS education. There was a principle reduction and an interest rate reduction to 0 % in the loan modification. The principle reduction was honored which was great, however there has been no movement of the interest rate. I first reported this to the CFPB on XX/XX/XXXX that the interest rate had not been changed. The complaint number for the original complaint was XXXX. On XX/XX/XXXX loan science replied that the suggested changes ( interest rate 0 % ) had been made to my account. I waited several weeks to see the changes and they never happened. On XX/XX/XXXX I provided feedback that the interest rate had not been changed. However, my complaint was still closed. What actually happened is that XXXX XXXX sold my loan to XXXX after my complaint without changing the interest rate. That sounds like a crime to me. Today I learned that my loan will be switching servicers to XXXX XXXX on XX/XX/XXXX. It was also noted in this document that XXXX will " create a new account number '' for my loan. I assume this is some sort of move to try to distance my loan from my loan modification documentation to further avoid honoring it. Its time to get this sorted out and to quit playing musical chairs with my loan to avoid the loan modification that was offered and accepted. The current lender listed on the XXXX website is XXXX XXXX XXXX XXXX and the gaurantor is XXXX XXXX XXXX. This information itself is out of date and probably illegally so since this information has been wrong for over a year. I believe that ACS, XXXX, XXXX XXXX, XXXX XXXX XXXXs and XXXX should be contacted and the responsible party should then act.
01/04/2018 Yes
  • Student loan
  • Private student loan
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77396
Web
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
11/06/2019 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • AZ
  • 85054
Web
I received a loan from my school, serviced by Conduent Education, for {$3300.00} ( 5 % interest rate ) for the XXXX - XXXX school year. I remained in school through graduation in XXXX. In XX/XX/XXXX I noticed my credit report showed my loan through Conduent Education was 2 months late. Prior to this I had never received any communication directly from Conduent Education regarding my loan. After contacting them, and submitting documentation, I was able to get my deferment status reinstated. I started paying my loan with Conduent Education in XX/XX/XXXX, while it was still in deferment. I paid the loan in full on XX/XX/XXXX. My deferment ended on XX/XX/XXXX. Based on my payment date, I should have been reimbursed for 14 days of interest, as I paid for a month of interest based on the statement. I was never reimbursed that amount, nor was I issued any paperwork indicating my loan with Conduent Education was paid in full. Additionally, I was charged a {$3.00} fee even though my account was never late. It was supposed to be in deferment until the XX/XX/XXXX, when I paid it in full. I contacted Conduent Education explaining the above ( fee and interest overpayment XXXX on XX/XX/XXXX, and never received a response. To this day I have not received any information from Conduent Education regarding my loan being paid in full. My loan is also no longer being reported to the credit bureaus. I have no official proof indicating my loan was paid off. I can not log on to my Conduent Education account. They do not have an email address posted, and their phone numbers are disconnected. I understand that Conduent Education is no longer servicing student loans as of XX/XX/XXXX ( per their website ), but these issues occurred prior to that. I am entitled to documentation stating my loan obligation is fulfilled, as well as a refund of incorrect fees and interest overpayment.
06/18/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • CA
  • 95616
Web
XXXX credit reporting service reduced my credit score by more than XXXX points in XX/XX/2015, dropping it from the high XXXX to the XXXX. My credit report states that I was XXXX days late paying a student loan from XXXX University from ACS. The monthly payment was XXXX. I used my XXXX autopay feature to debit my account to make the payments. I have done so since XXXX without missing a payment. For some unknown reason the payments for XXXX month in XX/XX/2015 months were either not sent or received. The automatic payments resumed again in XXXX without my having done anything to change their settings. I believe there was a either a systemic IT failure in XXXX automatic payment system or a similar failure in ACS 's receipt system. My checking account balance was more than enough to make these payments. I was not contacted by XXXX University, XXXX, ACS, or XXXX about the deliquent account and had no reason to believe that this account was behind. Indeed, I have not missed a payment on any credit line in the past XXXX years. These missing payments from ACS are a clear abberation from this trend. Moreover, my bank statements for the months in question show clearly that the payments were debited from my account on time and sent to ACS during the months in question. I have attached a screenshot of my credit report as well as bank statements that provide evidence that my account was debited for XXXX each month. I can only guess why loss any of the XXXX aforementioned organizations could have reported by account delinquent, but I suspect it was due to a systemic IT failure among XXXX of the involved parties. Neither of the XXXX other major credit reporting agencies noted the account as delinquent. The drop in my credit score will significantly reduce my ability to take out a mortgage or loan in the future or rent an apartment.
04/29/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Problem with customer service
  • TX
  • 77479
Web
This is very simple. My payments were set to draw every XXXX of the month -- been paying it on time every month for about 7 years. My wife and I decided that we were finally in a position to get aggressive paying off our loans. The one problem we had was that payments were drawn on the XXXX , XXXX , and XXXX of each month. I realized we had a chance to pay off in full everything on the XXXX and then if we could move the XXXX payment to the XXXX or XXXX -- all ACS loans -- we would know how much surplus we had each month and would make additional payments simpler for us to make. So I first called all XXXX of our credit card providers to synchronize those payments to the XXXX week of the month. No problem, this was easily completed in less than XXXX hour. Then I called ACS in early XXXX XXXX They said on the phone the XXXX or XXXX were simply NOT options. The best they could do was the XXXX . But I had to send them a email, they simply could NOT start the change based on my phone call to them. Ok, I complied. Their bounce back email said a response said : " We will respond to your message in XXXX - XXXX business days ''. This statement is false. Probably a delay tactic by ACS. I waited for over a week before they replied on the XXXX of XXXX that they had to wait until the XXXX payment processed and then they would " ask '' the lender if it was possible. I do n't understand how I can make every payment on time, even at times when my wife and I were actually losing money month over month and then make a very simple request and yet get treated so terribly. If they ca n't do it, fine -- tell me that when I call in!! ACS is a deplorable institution engaged in fraud and deceit and they should be held accountable, as I would be if I failed to make those monthly payments.
10/14/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • MD
  • 20901
Web
I completed my XXXX XXXX at XXXX University XXXX and now work for the XXXX. My federal student loans are serviced by ACS. ACS is very difficult to work with - they have terrible customer service, their policies are not transparent, and their call center operators provide incomplete answers when I call. This year I received a student loan repayment benefit from the XXXX where I work. However, just two days after I received notice that the payment had been sent to ACS, I received a final offer for a new job. I called XXXX ( XXXX XXXX XXXX ) to ask if they could stop payment because my agency will not waive the debt and I would have to pay it back to XXXX. XXXX said they had already cut the check and they could not stop payment. I have since called ACS on two different occasions to ask them to refuse payment. They say it is " their policy '' not to. Now I will have to pay back XXXX out of pocket. It is completely absurd that ACS would not refuse the payment. I am the borrower, current on my repayments, and regardless of whether or not the payment is coming from me or a third party, I should control when payments are made to my account. If I ask them to stop a payment, they should. Now, on the third day I have called ACS, the payment hit the account. I 'm sure I have no way of reversing this now. I am extremely concerned about having to pay my monthly student loan payment ( because ACS says I must continue my monthly payments as-is with no break even though they just receive a huge chunk of money from XXXX ) AND now I have an additional payment to XXXX to cover this debt. Plus I have all of my other bills to pay including housing, utilities, and child care. I have never missed a payment and ACS needs to honor my request to stop payment. I 've tried to work directly with ACS but to no avail.
01/26/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Having problems with customer service
  • OR
  • 97232
Web
I am filing a complaint against ACS Education Services for 3 reasons. 1. My personal information was changed to another client 's information. This was unauthorized and if I had not been vigilant my personal information would have been sent to this individual. I also placed a phone call to this individual to let them know what had happened. The company failed to safe guard my confidential information and this other individual 's information. The company has offered no reparations for this error. 2. I moved XXXX times within the month of XXXX and my mail from ACS was delayed due to these moves. I was unaware that my loans had become due as I thought I was still in my grace period ( as I am for all my other federal student loans ). Upon receipt of the information I immediately paid the amount due. ACS placed a derogatory mark on my credit report. I saved the envelops of when I received the information and the company maintains that it was not fault of theirs and they can not assist me further with my the derogatory mark, and their is nothing to be done to adjust for the error. I asked to speak with someone in the credit reporting department and they replied that the department does not make take incoming calls or make outgoing calls after I asked to have someone from that department call me. 3. I live on the XXXX. When I made payment for the account it was on XXXX XXXX around XXXX PST. The payment did not post until XXXX XXXX due to the company 's process and the company reflects that I made payment on XXXX XXXX, instead of XXXX XXXX, the actual day I posted the payment. Overall, ACS has failed to safe guard personal private information of their clients and they refuse to assist customers, and have caused extremely damaging information to my credit report ( dropped by XXXX points ).
11/21/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Struggling to repay your loan
  • Can't get other flexible options for repaying your loan
  • IL
  • 60468
Web
I have contacted ACS repeatedly regarding my payments being too high and me being unemployed and was told forebearance and deferment are my only options. Then a friend told me about the income based repayment plan so I asked ACS. They sent over the paperwork to fill out and I did it. I spoke to them when submitting to make sure everything was accurate and he told me I had to use my unemployment as income so I did. I said what happens after I turn it in? He said you just do nothing, make no payments, and wait to hear back from us. So I did. After a few months ( Im a single mom trying to make it through day to day so remembering to check on my status wasnt at the top of my priority list. ) I remembered I had submitted it and hadnt heard so I called and they told me that it was denied because I made too much money on unemployment at $ XXXX before taxes. ( After speaking to someone else at ACS I found out I wasnt supposed to put my unemployment on there at all!! So if I was given correct info I would have been fine. ) I didnt resubmit because I was currently working on a 4 week project and so I was told there was nothing I could do. The problem now is all those months I wasnt paying because I was told not to went into my credit report and they refuse to remove them. So now I am trying to find an apartment/but a home for my child and I and I cant because I have too many late paymentS from ACS and so nobody will even rent to me! So now I had to move in with my parents at XXXX years old. Its ridiculous they can do this and not be held responsible for single handedly ruining my life. Looking at my account- my principal borrowed was around {$11000.00}. I have paid over {$7000.00}. Yet somehow my remaining balance is around {$14000.00}. How is that even possible?! My loan has over doubled??
09/29/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Need information about my balance/terms
  • CO
  • 80123
Web
I have been waiting for ACS Education ( " ACS '' ) to provide a certified payoff to my new lender for over 9 months. However, ACS is refusing to do so. ACS currently services XXXX of my student loans. In approximately XXXX 2016, I submitted an application for a federal consolidation loan with XXXX XXXX. This was approved and all of my student loans were paid off with the exception of the loans serviced by ACS. XXXX XXXX informed me that it had requested an up-to-date certified payoff amount from ACS but was told that ACS could not provide this information due to an accounting issue. At XXXX XXXX ' request, I called ACS to ask about how we could clear this issue up. I was informed that ACS needed to recalculate my principal, interest, and payments to ensure they were giving XXXX XXXX an accurate and certified payoff. I was informed that this process was completed by a separate ACS department and that they did not know how long it would take. I asked to speak with someone connected to that department and they refused. For over 9 months now, I have been waiting for ACS to complete this " adjustment '' calculation and provide the payoff to XXXX XXXX so that my federal consolidation can be completed. The only information I receive is from an ACS customer service manager on a semi-weekly basis. This manager simply informs me that, " this matter is still pending and I have no updates for you. '' In the meantime, interest is still accumulating on this account and ACS is still being paid to service it. Due to the types of loans, these accounts do not qualify for certain IBR plans which was the main reason for my consolidation into XXXX federal loan. This has placed an extreme hardship on me and my family and I am considering bringing a formal action in state or federal court against ACS.
10/28/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 75204
Web Servicemember
" XXXX_ XXXX '' continues to report inaccuracies about past debtors and/or fraudelent creditor collectors on each credit report. My credit score remains drastically low. I had disputed many erroneous credit items including personal information such as name/address/telephone numbers via telephone. Now, there are these follow-up mailed documents from other third party collectors on bearing of XXXX XXXX namely, " XXXX XXXX XXXX, XXXX among the multiple debtors whom I had previously disputed via FTC/FRCA. " XXXX XXXX XXXX '' " XXXX XXXX XXXX XXXX XXXX '' is another creditor whom I have been issued a unsecured card ; now appearing as a secure card. However, this credit solutions agent if XXXX XXXX is committing fraud. The scam is that while my card remains open ; it accumulates a " monthly late fee '' without any activities and I must pay that outstanding balance to remain in good standing. My last payment on a blocked card was on XX/XX/XXXX and my account was {$0.00}. In XX/XX/XXXX, I reactivated a new replacement card ; only to be faced with a balance of {$180.00} which includes next cycle of late fees. I have made a full payment of {$180.00} on XX/XX/XXXX. " ACS EDUCATION SERVICES '' has been erroneously listing my account status as ND=NO DATA and OK since the year XX/XX/XXXX. I had completed payment of my student loans and this account was closed in XX/XX/XXXX following a full year in good standing. I had contacted student consolidation loan center " ACS '' and spoke with a manager in upstate, NY on last year ( XX/XX/XXXX ) requesting that they should he should follow through on reporting the correct CLOSED date. He had not done so and XXXX reflects payment history and CLS=closure in XX/XX/XXXX as a result. I had not been utilizing education services with ACS as of XX/XX/XXXX.
03/17/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Don't agree with fees charged
  • WA
  • 98466
Web
Hello, I took out a private student loan from ACS Education Services in 2006. Each month I have made my payments on time. They almost always apply over % XXXX of my payment to interest and not the principal, so my balance barely goes down. When I contacted them about this they responded this, and this is on their website : Q : Why is n't my balance going down even though I am making payments? A : Payments are applied to assessed late charges ( if any ) first, then to any outstanding interest, and finally to the outstanding principal balance. You may have outstanding accrued interest that needs to be paid off first before you will see your loan balance begin to go down. Always remember that the amount of interest paid with your payments will be higher during the initial period of repayment and gradually decrease as your balance decreases. Yesterday I paid {$50.00} towards my loan, and according to them my outstanding interest was {$0.00}. I am attaching a copy of that payment and it shows that they took {$12.00} to interest. So what they are doing is unethical and possibly illegal. They are lying on their website based on the statements above. Similarly, the month before just before making my payment they indicated that I had {$51.00} in outstanding interest, but as you can see, they took {$76.00} of my payment and applied it to the interest. The remaining {$68.00} went to the principal. They did not respond to my inquiry about why so much of that payment was applied to interest. And, as you can see, in almost every one of my payments, a good deal more goes to the interest. What they are doing is unethical and unfair. They are not applying payments appropriately, and I believe it is to get more money from the students who borrowed money from them. They need to be stopped.
09/25/2017 Yes
  • Student loan
  • Private student loan
  • Struggling to repay your loan
  • Can't get other flexible options for repaying your loan
  • CA
  • 94704
Web
I XXXX my husband and then. my daughter got incredibly ill- during that time my student loans got sold to what I believe is a XXXX subsidiary. I asked my lender to adjust my payment amounts - I was not working full time nor much at all as I was at hospital with my family - I offered documentation and was told that if I did not pay the amount ( over $ 1000/month ) I would default. I explained that my income had dropped substantially and that I worked in public health - so already was not really making much money - and offered to pay several hundred dollars a month as a good faith payment. They refused. I finally took a forebearance - they told me there was not other option. I understood that this would interrupt making 120 payments in a row but had no other option. I was told the forebearance - and interest accrued -would cover the missed payments in XX/XX/XXXX- yet they still appear on my credit report as red marks. Similarly- I tried again to get a smaller payment per month in XX/XX/XXXX - was told it was not possible - got another forebearance and this time there was an error in the report- but the loan company never told me that nor responded to my many inquiries about the status of that forebearance ( again a late mark on my credit report for a month I am now being charged interest on ). I just found out that as someone working in public health and also as someone who wanted to pay her loan a lesser amount- my lender and its servicer where required to work with me - I believe they had me take the most expensive and the option that profited them the most- rather than helping me pay my loan at a lesser monthly amount while I was undergoing incredible duress ( again - all documented medical, lowered income, paper trail on the communication with the loan people )
04/11/2018 Yes
  • Student loan
  • Federal student loan servicing
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • CA
  • 95832
Web
I graduated from XXXX XXXX XXXX XXXX in XX/XX/XXXX and began working full-time in XX/XX/XXXX. At that time, I was under the impression that all of my student loans had consolidated onto the XXXX system. I was making on-time payments to XXXX and XXXX, which the impression that I was current on all loan repayments. However, in XX/XX/XXXX, I received a call from ACS ( now known as XXXX XXXX XXXX ) telling me I was delinquent on another loan. I had never received a letter or call prior to this. Immediately I made arrangements with ACS and made my first loan payment only two days later, on XX/XX/XXXX. This loan has been paid in full since XX/XX/XXXX. In reviewing my credit report, I realize ACS reported this late payment back in XX/XX/XXXX to the credit bureaus. ACS has not been communicative in reviewing my file even though prior to the delinquency phone call mentioned above, I had never received an email, mail, or phone notification of the past-due payment. Given that I was responsive when made aware of the situation, and since this loan has been paid in full, I am hoping to have this incident reviewed and possibly removed from my credit report. It is reported that the CFPB imposed a fine to Conduent for various reasons which includes faulty reporting processes and systems. I am also wondering if this may have had an impact on my file. Overall, I do believe I should have kept track of all outstanding loans. At the same time, this hasn't been an easy task with so many changes in providers, lenders, loan servicing agencies reaching out over the years. I am hoping that your team can help push a review forward and possibly have this late payment removed. This would clear up my credit history and undoubtedly help improve my credit standing. Thank you, XXXX
09/29/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • NY
  • 14610
Web
I took out XXXX loans for my children 's educations. In XXXX I consolidated those loans with XXXX using the Federal Family Education Loan Program. The XXXX loans totaled {$43000.00} at that point. The loans were then taken over by XXXX and serviced by ACS, apparently XXXX separate institutions. In XX/XX/XXXX I kept calling XXXX to ask why the principal was still so high. They refused to provide any information despite my repeated requests. In protest I refused to make payments until they provided that information. This caused the loan to go into default, and XXXX XXXX then began servicing the loan. XXXX attempted collections with the principal set at {$42000.00}. I have paid {$22000.00} on these loans from XX/XX/XXXX-XX/XX/XXXX. The principal went down by less than {$1000.00} despite the payments. I understand the interest is paid first before the principal, and my repayment plan was for 15 years but this was wrong. My son is an attorney and he helped me negotiate with XXXX, but they were unwilling to modify the principal and added over {$8000.00} in collection costs that we were told were also non-negotiable. XXXX held a garnishment hearing where I sent in all the loan information ACS finally provided a week before the hearing. After almost two years of requesting the loan payment information they provided it in XX/XX/XXXX ( despite postmarking it in XX/XX/XXXX they never sent it until we made repeated phone calls all summer ). Even after providing this information at the hearing and providing a thorough explanation of the situation, the hearing evaluator XXXX XXXX from XXXX still ruled against us. I 'm XXXX, now owe far more than I ever took out, made over {$20000.00} in payments, and I will have no spare income because I tried to do what was right.
08/09/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • PA
  • 19341
Web
I have XXXX loan from my time at college, a Federal Perkins loan, being serviced by ACS Education Services. Six months ago I changed main banks. I attempted to change the bank that ACS Education Services auto-withdraws from. I received no receipt not acknowledgement at the end of the 7 days they state is required to process the bank change. I in fact received no communication whatsoever. I checked the account and saw that they had assessed a late fee and listed the payment as failed, and had not sent any notification about the failed payment or late fee. I paid manually, using their ExpressPay system, using the same exact information that I had registered as my main bank account for autopay. I then re-filled the autobillpay form, thinking it might have been a mistake ( I would like to add that they do not, as every other company I have interacted with would do, perform a bank account validation withdraw/deposit ). Next quarter I had the same issue, except I was notified by a late payment status on my credit card. Again, I received no communication. When I contacted the company ( who was unavailable by phone ) by email, and explained that I have n't had a late payment in seven years and would like them to withdraw the late payment from my credit status, they refused, and stated without any presentable evidence that I was wrong. At no point in time did they offer any assistance in resolving the issue, nor any advice ( despite an explicit request ) for a method to confirm that the account was properly set up. Late payments aside, I do n't understand why they would seek to damage my credit instead of simply working to ensure the account is properly set up. A person 's credit rating is important and I have done nothing that would reflect willful negligence.
06/24/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Can't repay my loan
  • Can't decrease my monthly payments
  • CO
  • 80215
Web
I do n't even know where to start ... When I filled my IBR last year, I was n't making much money so they said I did n't owe them a payment. I still sent {$25.00} a month, but everytime I did, I was assessed a {$26.00} late fee, even though, again, I did n't owe a payment. Now, after my IBR was reassessed for this year, they want me to pay {$370.00} per month. While I understand that I make more money now, I do not have even close to that amount left out of my income to pay every month. I was in a XXXX in XXXX, and so I had to get a new car. My payment is higher, my insurance increased by {$70.00} a month. I also pay over {$100.00} a month in medical bills. And I am a single Mom, trying to make it. My rent alone is {$1000.00} a month. Also my son is a XXXX year old boy eating me out of house and home, my grocery bill is about {$500.00} and my boyfriend is hard times, living with me more than half a month, which increases my food bill as well. To make things worse, someone reported that my loans are in default. ACS said they did n't report it as such. I called the US Department of education and they said that I am in fact listed as in default, even though they could n't understand why, as I had only missed 2 months payments. Nobody will take responsibility for reporting them as defaulted, and no one will fix it. And although I have been paying ACS {$25.00} a month, they continue to report my payment as late. All of this has greatly affected my credit, which is why my car payment is so high now. Please help me. I want to pay back the money I borrowed, but they keep assessing fees and more fees, and then more fees for having to charge me for the other fees. I am drowning in a debt that started out as {$25000.00}. I do n't know what to do.
06/30/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Having problems with customer service
  • CA
  • 95409
Web Servicemember
My wages were garnished, without any notice, by XXXX. Upon contacting XXXX, I have received a lot of obfuscation regarding who my loan was with. XXXX claimed that my loan was created with the lender : the University XXXX XXXX XXXX. Upon checking my credit report, sure enough, the financial bank/lender is listed as the University XXXX XXXX XXXX. This is a college, not a bank. I did not take out loans from this college, and I did not take out loans to go to this college. Upon further investigation, I have been told ( only on the phone, never in writing ) that the lender was an organization called ACS. When I looked this up online, I found that this organization no longer has a contract with the United States Department of Education and was responsible for a 73 % default rate. XXXX I did not have a loan with this organization, and I did not have a loan with XXXX. I also did not have a loan with the University XXXX XXXX XXXX. Nevertheless, after submitting disputes to all of the credit bureaus, I can not manage to get this removed. I have documentation of everything, but the US Department of Education changes from one contractor to another, and I can not talk to any actual human working for the United States government to get this resolved. All " financial entities '' continue to claim that they are " no longer servicing the loan, '' so they wo n't do anything to remove completely fraudulent information either. In fact, ACS has an automated answering machine and wo n't have a real person accept calls regarding student loans. This is all such a scam. I never took out a loan. I want the information removed from my credit report. I do n't care if it is XXXX or ACS that needs to remove it, but someone needs to be held accountable.
07/31/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Received bad information about my loan
  • NE
  • 69341
Web
ACS Educational Services , Inc. otherwise known as XXXX is using my entire social security number as a loan identifier. I have sent letters, e-mails, and was assured that the trade line would be removed from all XXXX major credit bureaus. This has been going on for one year. Only XXXX credit report is showing that the trade line has been removed. In addition to this matter, my social security number has been disclosed at XXXX local branches on a computer generated print out. No investigation has been done to find out who is exactly doing this. In addition to this matter, a small claims civil suit has been filed because of this stupidity on the part of ACS who, by the way has over XXXX complaints and is increasing daily. WHO wrote these stupid policies in regards to utilizing a students ' entire social security number as a loan identifier? Guess what else ACS, the student 's are going to find out that you indeed did do this and ACS can expect to be in court XXXX. Then, I hope you are put out of business for good and I hope a class-action is initiated on different levels and multiple fronts. I have filed numerous complaints on different sites in order to show the level of stupidity to include contacting XXXX in regards to this situation. I am afforded that right to do so.-Period! This is financial terrorism and I do n't care what anyone says in regards to this matter. I do n't plan on treating those who may or may not show up to court with respect at all- period. In fact, representatives from ACS will be grilled with questions, truth, and evidence. I am going to shun you and then I am going to turn on the mute button and only answer the Judge. You can expect the questioning in the cross-examination to be very brutal.
04/09/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • FL
  • 33153
Web
I was on an income based program and when my income changed due to being laid off at work, I filed the necessary paperwork with the lender. I received a letter stating I did not need to make another payment for one year. One month later, I received a bill and called to inquire. Customer service stated they would request an investigation and I would receive a letter in the mail. I never did and each month I would receive a bill and I would handle it the same as prior months. The third phone call, the customer service person stated he could see the two previous request for an investigation and that nothing was ever done with them.My request for a written explanation was ignored and ACS Education Services ruined my credit. They refuse to put any explanation in writing and how they can issue a letter that no payment is necessary for the next year and then send a bill is confusing. The initial bill was for XX/XX/XXXX ; which XX/XX/XXXX payment was made and on time. Once I submitted the letter from my bank and their own email confirmation of that payment, they said that was a mistake the bill was suppose to be for XX/XX/XXXX. This has been the pattern or they loose documentation that you file with them. They should provide a written explanation and admit they failed to notify me at the time of my submission of financial documents and work to resolve this issue. I spoke to a gentlemen at the US Dept. of Education who provided me with an email address to contact the department at ACS that completes the investigations. He said they should contact me within 7-10 days, that did not happen. I sent and email and although I received an automated response on XX/XX/XXXX, I have yet to receive anything else from ACS. XXXX
07/25/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • PA
  • 17011
Web
I have had XXXX problems this calendar year with my student loan lender misapplying funds for a consolidated payment paid by personal check. I have XXXX federal loan and several private loans consolidated into XXXX payment, which has been the case since XXXX. The first time there was a problem in XXXX, the lender moved XXXX penny from the federal loan to one of the private loans, and put the federal loan into past due status. This was resolved during a telephone call but I am very concerned about what led to the company tampering with the payment. Also, I discovered this problem when I received an invoice for an odd amount, and called them, at which point I was advised that I was past due. This lender always confirms check payments by email and telephone payments by letter or email. In the case of this overdue status, I received no communications about the problem. All of my email and other addresses are current. In XXXX, XXXX, I again received an invoice for an unusual amount and called them to inquire. This time, they are claiming that the check I sent was deficient in the amount of {$.00}. This is wrong, I have the XXXX statement, and I wrote the check for the correct amount. As a result of their error, I was put into past due status on XXXX private loans. I corrected this on the telephone by making a {$1.00} payment to each loan. I am very concerned about these repeated errors, and the failure of the company to notify me when there has been an issue. I am also concerned that their errors could impact my credit rating. I have not made a late payment in the 14 years that I have paid on this loan. Earlier this year, I paid off one of the private loans and it was shortly thereafter that the problems began.
09/30/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Received bad information about my loan
  • CA
  • 92120
Web
My problems with ACS go beyond the fact that they are almost impossible to get a hold of and that their email function on the website is a scam - you email them and they send an automatic reply saying they 'll get back to you within 48 hours but that never happens! Other issues : So I got a loan of {$4000.00} from my graduate school and my school has a forgiveness program where ever year that you work in your field, a percentage of the loan is forgiven. Well I got most of the loan forgiven seeing as I 'm a XXXX XXXX and this job title falls under the forgiven positions. Unfortunately ACS declined my last year because I switched jobs and my title is no longer XXXX although I perform the duties of a XXXX and XXXX ( which also qualifies for forgiveness ) and probably more. So the reps ( who are usually nice but have no control over anything ) told me to simply word the letter differently which I did but am still waiting for it to " process ''. It 's literally been processing for several months and I call once a week and am on hold for about 20 minutes each time and get the same answer, " It 's processing ''. Even though on the website it shows my loan is " Past due '', the reps tell me not to worry and that that will disappear once it 's processed although the first time it was declined, this past due status did not disappear. I also was told that they reported to the credit bureau that I was not delinquent because the loan was " processing '', yet I have no proof of this happening. So I called my school and the person who answered told me they had updated my file about a week ago saying " Fax not received '' even though the rep had confirmed that the fax was received already and was " processing ''. Scam!
09/27/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Don't agree with fees charged
  • FL
  • 33701
Web
I took out a Federal Student Loan when I was in college ( XXXX ). The total amount of the loan was for {$16000.00}. Since XXXX, I have paid them {$9100.00}. My current outstanding balance is {$16000.00} and the " payoff '' balance is {$16000.00}. So after paying over {$9000.00}, I have only lowered the balance by about {$900.00}. I could n't figure out how this was possible, until I did some research about this company. Apparently, they reduce the amount of your payment that goes towards principal based on what day of the month you pay ( if you pay on the XXXX, a higher percentage goes towards principal than if you pay on the XXXX ). I would have happily set up an auto-pay for the XXXX of every month, however this company does not give you an option for auto-pay. This was never explained to me, and apparently was n't explained to thousands of other students that have written complaints about this company online. Several lawsuits have been attempted towards this company, but they have been able to escape them due to their arbitration clause. This company has an F rating on the XXXX website and is not accredited ( XXXX ). This company is intentionally deceptive, does not explain that your payment 's principal/interest varies throughout the month, does not allow you to set up auto-pay, and intentionally delays pending payments to prevent you from paying off your principal, and has thousands of complaints. It is extremely upsetting that the Federal Government would sell my loan to such an awful company. I would like to figure out how to either file an arbitration suit against this company, or have my outstanding balance reduced to the fair amount. Please let me know if you can assist with this matter.
10/20/2017 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • OR
  • 97030
Web
After graduation, I put my loans into deferment so they would not have to be re-payed until XXXX. In XXXX, I had consolidated my loans and the representative said that ALL of my loans would be consolidated. I had sent her all of the Loan information received from my school showing which loans paid the school and how much each loan was. I had made my XXXX payment with the consolidation in XXXX. Every payment I had made with the consolidation company was on time. During this time, I had plans on purchasing a house. In XXXX, we had gotten preapproved and started looking at houses. We had put an offer down on a house late XXXX, and when they ran our credit once again, it showed up with XXXX over XXXX day late payments to ACS. I had never received a bill from ACS. They have never tried to contact me, but they reported on my credit report that I was over XXXX days late, and now I am reporting XXXX days late. This is significantly affecting my life, as now I do not qualify for a mortgage. ACS made no attempts to collect, and as shown on their website I have never made a payment and that is because I was unaware a payment was due. In XXXX, ACS had sent me a XXXX statement which showed the XXXX loans I owed, and what my Yearly Interest rate would be, and showed on the XXXX statement that my XXXX payment would not be due until XX/XX/XXXX. If I was sent a XXXX XXXX XXXX statement, with information showing that I did not owe a payment until XX/XX/XXXX, how would it be that when my credit report was pulled in XXXX, I show XXXX days late? When speaking to ACS, They can not provide me an answer as to why I was never sent an invoice, and why they failed to contact me to inform me my loan was over XXXX days late.
10/05/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Can't repay my loan
  • Can't decrease my monthly payments
  • GA
  • 30339
Web
I have been a XXXX. I have a consolidated loan with ACS stemming from my XXXX years to my XXXX to a XXXX. Over the years, I have had an extremely tenuous relationship with ACS. Many times, they have overbilled my monthly payments from {$300.00} - {$2900.00}. Consistently I have given ACS information about my income paying what I can. I might get two or three payments underway and then all of a sudden, an exorbitant monthly payment increase ; of course, I would not be able to pay - essentially underpaying, and then as a result, penalties accrue. I contacted XXXX XXXX, the mother company of ACS, the latter part of XXXX, and had ACS work with me regarding a reasonable amount. This past several months has proved to be no different ; I applied for an IBR income sensitive application at the time XXXX XXXX, and I was paying every month {$72.00} every month since then including the last payment was XXXX XXXX, XXXX. Lo and behold, I log into ACS Sunday XXXX XXXX to make another payment and again, I was being billed {$2900.00}. The website would not allow me to make my monthly payment that I had been making throughout the year. I have no idea what is even my real principal balance at this point. There have been so many years of late accruals and I have gotten deferments, but it has been a vicious cycle to always not being able to pay my loans. Please, Please, Please I am begging you to help me ; I am so tired having to fight this exhausting battle. I have been in XXXX for so long and worked for XXXX for over 10 years. I have dedicated my life to XXXX and to give ; XXXX is my passion and gift. I feel like I am being penalized for this because ACS has denied my chance to have my loans forgiven previously.
02/03/2022 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • RI
  • 02906
Web
When entering repayment in XXXX following in-school status and grace period, the servicer, XXXX XXXX XXXX , sent all notices/bills/correspondence to an address that I have never lived at nor had any association with and were making phone calls to a number I have never been associated with ( XXXX XX/XX/XXXX ). I contacted the servicer directly to inquire about billing and payments in XX/XX/XXXX, it was then that I was I was informed I was behind on my payments and directed into general forbearance. I was never informed that they had incorrect contact information for me. I was lived at the same address and had previously received correspondence about educational loan at that address, my promissory note lists the correct address, which remained my address through XX/XX/XXXX. I only became aware of this error on behalf of the loan servicer after requesting my full account history via a FOIA/Privacy Request in XXXX It remains unclear to me if my personal information was shared with a stranger. As a result of this servicer error, interest was capitalized to my loans and I was unable to make payments on my student loans that would have been considered qualified payments for XXXX. The interest cost of this error was passed on to me ( {$1600.00} in capitalized interest ). I have inquired multiple times as to why my basic account information was incorrect and the scope of disclosure of my personal information. I have never received an explanation. As a result of the error, I did not receive any correspondence regarding repayment and missed the opportunity to begin payment for XXXX months. I have documentation to support my claim, it contains personal information and can be provided upon request.
01/03/2018 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • VA
  • 22030
Web
I have been attempting to log into my Conduent account (formerly ACS Education) online to repay the remaining balance on my loan but I have been unable to access my account or get in touch with a rep from Customer Service going on 2 months, and therefore have missed my last 2 loan payments I believe. I have been logging in using the exact same information and have not missed a payment in years, but for the last 2 months I receive the same automated message from the site when I attempt to log in, which is that the action I'm trying to complete is temporarily unavailable. "Temporarily unavailable" yet it has been over 2 months. When trying to contact Conduent customer service, the automated response says there's no account associated with my social security number, and therefore after multiple attempts I eventually get disconnected from the phone after the automated system fails to recognize my social security number. When I emailed customer service, they too said that they have no account associated with my social security number and said "Unfortunately, we are unable to locate an account for you in our records. Please be advised that your loan may have been transferred to be serviced by another loan servicing company." I've read numerous other complaints from people having the exact same issue. I eventually tried resetting my password on their site using the "forgot my password" option. After I received the temporary password I was able to log into the site, but once inside my account all it says is "No data found for specified SSN." So now it appears my account no longer exists, and I'm unable to repay the remaining balance on this loan, and I do not know who to contact to resolve this.
09/20/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • MD
  • 20850
Web
My student loans are held by ACS. I have been paying on said loans consistently for over ten years. However, I recently returned to a XXXX program and my loans were automatically placed into deferment. When I realized this, I called ACS to have the deferment removed and I immediately paid all accrued interest ( this Fall XXXX ). On XXXX XXXX, XXXX, I received a notice from ACS that they again placed my loans into deferment. When I called to ask why, I was informed that they " automatically place loans into deferment based on information from the XXXX XXXX XXXX ''. Essentially, I was told that my school reports the information to the XXXX XXXX XXXX and they, in turn, provide the information to various student loan companies. What I find troubling about this stems from the statements from ACS representatives. I was repeatedly told that " they are required to place my loans in to deferment based on a federal regulation '' and " there was nothing they could do to stop this process. '' When I asked them to provide me with said federal regulation, they were unable to do so. However, Title 34, Section 674.38 ( a ) ( 5 ) states, " In the case of an in school deferment, the institution may grant the deferment based on student enrollment information showing that a borrower is enrolled as a regular student on at least a half-time basis, if the institution notifies the borrower of the deferment and of the borrower option to cancel the deferment and continue paying the loan. '' ACS gave me blatantly false information on multiple occasions and has continued to place my loans into deferment after I notified them that I wished to cancel the deferment and continue to pay my loans.
06/15/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • CA
  • 94806
Web
My loan is separated into different accounts from there into separate disbursements that have separate rules for interest rate reduction and subsidized/unsubsidized status. For more than one whole year, I have put {$400.00} extra into my payments to ACS for my XXXX student loan. I have explicitly requested ( sometimes on a monthly basis ) that all additional payments be allocated to specific accounts. At first, I requested to allocate them to the loans that did n't qualify for interest rate deduction for auto pay. After discovering the ability to see the different loans on my account ( by accident, as it is not explicitly explained on the website ) I started requesting the amounts over my minimum payment be allocated to loan # 6 because that loan is unsubsidized and has the highest interest rate. I tracked my account balances in a separate XXXX spreadsheet ( attached ) because I have no trust in my loan servicer to follow my instructions. The account balances decreased, not at the rate I thought they should have, but that is not the primary issue here though. Between XXXX XXXX and XXXX XXXX, a time period that included a regular monthly payment, my account balances for my highest interest rate loans, # 5 and # 6 both increased. Loan # 5 increased from {$3500.00} to XXXX. Loan # 6 increased from {$3400.00} to XXXX As I understand it, this occurred during the time that XXXX was selling it 's student loans to XXXX, which makes this an even bigger potential issue than my account alone. I submitted a complaint quickly on XXXX XXXX. I received confirmation of receipt and that I would receive response within a week. As of today, XXXX XXXX I have not received a response.
01/22/2017 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • AL
  • 35244
Web
Dear ACS Education Services, This letter is a formal complaint that you are reporting inaccurate credit information. The account is closed and paid in full. It has been over 7 years since the account was open. Therefore, I am asking for you to remove this item immediately. XX/XX/XXXX, it was reported that I was 60 days late on my ACS account. This was reported to all XXXX credit bureaus. With proof I am attaching documentation that I enrolled in school at XXXX ( XXXX ) XX/XX/XXXX -XX/XX/XXXX and my account should have been in -school deferment. When you are enrolled in school at least half-time you are able to request an in-school deferment. However, I did have to drop with my international travels. Furthermore, I did n't receive any written communications about this matter because I was out of country from XX/XX/XXXX to XX/XX/XXXX for work. Upon returning to the country I spoke with several customer service representatives who stated that they would remove the late payments since my account should have been in forbearance ( Please see page XXXX ) from XX/XX/XXXX and XX/XX/XXXX. In addition, I was enrolled in XXXX University during this time. Therefore my account was in forbearance and payments were not due at this time. However, I have called ACS Education Services and emailed numerous times to get this matter resolved. I was assured that it was resolved until I received a copy of my credit report. Unfortunately, this matter has not been resolved. I am sure you will agree it needs to be removed ASAP. The following information therefore needs to be verified and deleted from the report as soon as possible : ACS Education Services XXXX ... Sincerely,
02/09/2021 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • NM
  • 88201
Web
When Public Service Loan Forgiveness was announced, I contact my servicer, ACS to ask about it. I worked for the XXXX as an XXXX since XXXX and I have well over 100,000 in student loan debt. I was always on the income based payment plan but the payments were still more than I could afford. They told me that I just needed to stay on the income based plans to qualify and that at the time there was nothing more I needed to do. I followed their advice and stayed on the income based plan. Later, around XXXX, when I believed that I have made at least the 10 years of payments to qualify for the debt forgiveness, I contacted them to ask what I needed to do to apply for it. They told me that I needed to apply through XXXX because I could not apply through them ( ACS ). So I contacted XXXX. XXXX said I had to consolidate my loans with them - none of the payments I had made through ACS qualified for the PSLF program. ACS had given me incorrect information. ACS should have informed me that the type of loans I had with them needed to be refinanced or consolidated into a new type in order to qualify for PSLF instead of telling to continue to make payments for many years. Now I paid for 10 years and all 10 years were for nothing. When I moved my loans to XXXX I started over. Now my loans will be paid off before I will ever qualify for the PSLF program. That was very costly bad advice by ACS. I continue to work for the government - it is my entire career ( I have been a XXXX XXXX for 16 years now ). PSLF was meant to help those of us who dedicate our careers to the government despite crushing debt from private schools - but that is not how the program is operating.
06/24/2019 Yes
  • Student loan
  • Federal student loan servicing
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 60175
Web
Im actually having a problem with the three major credit bureaus not investigating this enough. XXXX XXXX XXXX/ ( also can be found as XXXX ) inaccurately reported a 60 day late back in XX/XX/XXXX/ XXXX when I was doing a consolidation of all school loans with the current lender. They were the ONLY lender, during this process, that did not cooperate and get the information to the soon-to-be consolidating company, and during this time my loan with them was supposed to be forbearance because it was processing as a consolidation and the payout information could not change. I did that process with them, but I had no idea that they did not only not get the info to the consolidator, but they also marked the loan as 60 day late! I can not even express how frustrating this has been to get removed. They no longer exist, and I spoke to them before they were shut down by the Federal Government back in XXXX when they were sued for Millions of dollars because they were not servicing loans accurately, timely and accordingly! They were sued for the very reason Im trying to get this off my credit. You can even look at all my school loans, I never have had ONE late during all this time, except with them. This is totally inaccurate and frustrating because the credit bureaus dont seem to know what they are doing when I have disputed. I just dont get it. Im copying and pasting this article so you can see what Im talking about how they were sued. XXXX XXXX XXXXXXXX Please help me, I want to simply get this 60 day late from all three credit bureaus because its still impacting my ability to get better rates, loans, leases, etc. Please can you help???
07/04/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
Web
I would like to submit a formal complaint about the online forms associated with ACS loan servicer. I am currently attending school in XXXX, XXXX and in doing so I have a XXXX address, bank account, and phone number. ACS does not allow for the option to have a foreign address in your personal information when filling out the In-School deferment forms, although they do allow you to enter a foreign address when entering your personal information in the " update address '' section. They also do not allow you to enter a foreign phone number and do not allow the option of simply not entering a phone number, this means that I have been forced to enter my father 's personal phone number despite the fact that he is in no way involved in my student loan re-payment efforts. As XXXX of thousands of people who are paying exorbitant interest rates to ACS for servicing a federal student loan, I am shocked and appalled that they are not able to accomplish something as simple as creating forms and protocols that work despite your location on the globe. I am also appalled that these loan servicers refuse to accept payments from foreign accounts. Forcing borrowers to pay a foreign transaction fee to transfer money into an american account on top of high interest rates is an undue burden for borrowers and should not be acceptable practice for companies that are making millions of dollars servicing FEDERAL student loans. I hope that you will take steps to correct XXXX of these glaring issues as they are certainly not in line with the globalised world that we are living in today. Thank you for your time. Sincerely, XXXX XXXX
10/11/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Problem with customer service
  • MN
  • 55901
Web
I have a loan through ACS for less than {$1000.00} left as I have overpaid on it each month. I got an email on XX/XX/XXXX stating that they were going to be changing the name to Conduent but stated that there would be no changes to my account. I was able to log in and make my last payment on XX/XX/XXXX. I tried logging into my account MULTIPLE different times all throughout XX/XX/XXXX and XX/XX/XXXX and each time I try to log in to make a payment it says the website is " Temporarily Unavailable. '' I have tried typing in my social security number to try and get my account number to call ACS and the website states, " We are unable to find your social security number on our system. Please check that you entered it correctly. '' I have tried calling all of the numbers that I could find on their website and from XXXX. The numbers I have tried are XXXX, XXXX, XXXX, and XXXX. When I call, the recording only gives two options to move forward ; enter in your nine digit account number or social security number. When entering in my social security number and birthday it states that it does n't recognize it. I have no idea how to continue paying off this loan when I ca n't access it. I tried emailing them but in order to email ACS you must have your account number or it wo n't go through, which I do n't have. I checked through all of my previous emails and have never received an account number. I used to get emails from them each month stating when my statement was ready to be viewed and paid and the last statement that I have received is from XX/XX/XXXX, when I was able to make a payment last.
08/02/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • OH
  • 43082
Web
I have been a XXXX in a large XXXX XXXX district since XX/XX/XXXX and am unable to receive a clear history of my student loans in regards to the XXXX Loan Forgiveness Program. My loans were consolidated in XX/XX/XXXX ; however, my servicer ( ACS ) is unable to provide me with the type of loans that were consolidated and the date of consolidation, which can impact my eligibility for the XXXX Loan Forgiveness Program. In addition, my servicer ( ACS ) said my loan is being transferred to another lender/servicer ; however, they were unable to provide a date or time frame that this would occur. My servicer ( ACS ) referred me to the U.S. Department of Education, who also provided limited/false information. I was provided with a servicer who, when I contacted, had no records of my loans. By not being able to access my loan history, I have not been able to receive confirmation of my eligibility for the XXXX Loan Forgiveness Program. My servicer 's practices ( ACS ' ) are unfair and deceptive as I am not able to receive consistent information regarding my loans. My loan is also being frequently transferred to different lenders and servicers making this process more complicated. I have contacted my servicer ( ACS ) on multiple occasions, with the latest contact being XX/XX/XXXX. The servicer ( ACS ) stated they could request a copy of my Promissory Note from the loan guarantor ; however, this will take 30 days to provide and I am not sure how this will help me to understand my eligibility for the XXXX Loan Forgiveness Program. Please see my request to the servicer ( ACS ) below. Thank you!
07/11/2015 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't get flexible payment options
  • PA
  • 17055
Web
While attending XXXX University I was denied federal student grants that i had previously been granted. The next semester I was told I did n't make the deadline for turning the paperwork in even though the paperwork had been continuously sent back for missing information which I had already provided several times. I was forced to apply for a loan with ACS, which totaled XXXX to accommodate the XXXX semesters dues. I was advised by financial aid that i had exhausted my borrowers limit with ACS and I was forced to apply for a private loan and in order to continue my education I took out THIS private loan from XXXX XXXX, the following semester I was denied student loans and was told I did n't fall in the income bracket to receive aid although my fathers income had not changed and my mother did n't work and I have XXXX sisters XXXX of which were claimed by my parents. The total private loan borrowed from XXXX XXXX XXXX was around XXXX dollars. I am XXXX years old today and I have struggled working XXXX and XXXX jobs to pay XXXX school loans with XXXX and ACS since XX/XX/XXXX after my graduation. I have successfully paid in full my XXXX loan in the amount of {$3800.00}. Currently I am struggling to pay my monthly dues of XXXX with XXXX XXXX XXXX. In 2014 I paid {$440.00} in interest fees FOR MY XXXX loan alone. I currently owe more than XXXX dollars to XXXX for the semesters at school which Federal Aid was denied to me for no reason which was valid or my fault. I am struggling and can not afford my bills any longer what can I do. How can I get relief from my financial education debts.
10/14/2016 No
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Having problems with customer service
  • KY
  • 40356
Web
Hello, I 've had a student loan with ACS Education Services for approximately 13 years. I 've made monthly required payments since that time. I fell behind one month payment recently and I 've been trying to contact customer service to speak about forbearance. I checked my account today in fact- exactly 30 days late. I 've contacted ACS customer service 4 times in the past month, including twice today. Every time I call the representative says they are not " allowed '' to talk to me and route me to the voicemail of a paralegal named XXXX XXXX in the legal department. They will not even answer why they ca n't help me and I have to speak to this woman. It 's very bizarre. I can only assume this is because I 'm 30 days late, which is not very severe in my opinion. I 'm not in collections or anything because ACS is still billing me as usual. They just refuse to help me or speak to me. Because they refuse to help me or give me any customer service as they are legally obligated to do I have no choice but to report their actions. Its so sad that it takes this for me to try and get a simple question amswered about my student loan. The whole thing is truly bizarre. But the one thing I do know is that this company is not following policy in regards to providing help and access to their consumers. I 've never has a account somewhere where they just wo n't speak to you and give you no reason why. I 'm wondering if they are understaffed and and failing to invest in the trained individuals they are required to have on staff. I 'm hoping you can help me get a response from this company.
01/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IN
  • 46222
Web
In my efforts to receive relief from unfair debt collections practices, I have decided to continue to file complaints to all that are supposed to assist in regulating and policing individuals who attempt to take advantage of consumers. XXXX has received several disputes from me about a debt collection company that is listed under US DEPARTMENT OF EDU. I have reached out to the company several times, even having mail returned from the listed address of XXXX XXXX XXXX XXXX XXXX, IL XXXX. I have called their number which is for XXXX XXXX, XXXX. I need to find out the method XXXX is using to validate this alleged debt. A XXXX search to this address reflects a company by the name of ACS, Affiliated Computer Services who was bought by Conduent. I reached out to XXXX XXXX, who is the legal support for Conduent, and he had no answers for me, using my personal data to locate an account. I have spoken with the Department of Education Ombudsman in XX/XX/2021, and they couldn't help, I have looked on the FSA website. I was unsuccessful in finding out who the debt collector listed is, my question is, '' XXXX who are you validating the debt with? '' There is no way you could be responsibly validating this alleged debt. The information listed is incorrect and inaccurate. The account shows the highest balance is XXXX. Payment status is " No Info '' and shows as a " paid collection ''. I am demanding validation. I am demanding to receive the contact information from this debt collector, and Proof of Claim to ensure there is no debt parking on my credit report.
05/23/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Need information about my balance/terms
  • TX
  • 76028
Web
I have paid on a consumer credit student loan since XXXX. My school did not accept federal or private loan disbursement of funds. This was living expense. After XXXX for over 10 years I am on XXXX XXXX. Consumer loans earmarked as student loans disbursed directly to me are not dischargable in ch. XXXX bankruptcy. ACS services my loan and ca n't make discussion in regard to discharge, and they will not provide me with the of the bank who owns the loan, who makes those decisions. THE PROMISSORY NOTE HAS BEEN LOST BY THE SERVICER AND THE OWNER OF THE LOAN. THEY HAVE PAGE XXXX AND XXXX. THE TERMS ARE LOST. THEY TELL ME THEY ARE UNDER NO OBLIGATION TO TELL ME ANYTHING. IF I STOP PAYING, I CAN HAVE CONTACT WITH THE OWNER OF THE LOAN. Federal loans are discharged in my situation. In bankruptcy this is no longer a consumer loan. The rules that apply to federal loans would benefit me, but now I found out the XX/XX/XXXX bankruptcy reform only punishes those with a consumer credit loan and does not afford those of us with the private loan the benefits afforded for a federal student loan holder. OF ALL OF THE RULES PERTAINING TO CREDIT, THIS IS THE MOST UNJUST AND INCONSISTENT. THERE IS NO PROTECTION OF THE INDIVIDUAL FROM BANKS WHO CREATE LAWS FOR THEIR BENEFIT. UPON MY DEATH I AM NOT EVEN ALLOWED TO KNOW WHAT WILL BECOME OF THIS LOAN. XXXX XXXX currently claims they hold the loan, but my SERVICER will not confirm or deny. Banks can change legal documents even after agreeing upon the terms and they do n't even have to keep a copy of the promissory note.
03/02/2017 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Received bad information about my loan
  • CA
  • 94612
Web
I have XXXX XXXX student loans being serviced by ACS Education totaling approx. {$55000.00}. ( ACS also services a XXXX XXXX Loan of approx. {$75000.00}. ) The loans have been in repayment since 2004. I made repeated requests for ACS ( servicer ) and XXXX ( lender ) to provide an amortized payment schedule for each loan. This documentation is required by the underwriter of my mortgage lender for qualification purposes of an XXXX loan, pursuant to federal regulations in the US Dept. Housing and Urban Development. ( XXXX ) Both ACS and XXXX refused to provide such documentation. Only when pressed and asked directly, ACS offered to orally state the payment schedule of a single private loan, which is on a graduated payment plan. The ACS representative stated the payment amounts, length of term for specific payments, and dates due for each payment, but denied to produce any written confirmation of the information. Both ACS and XXXX indicated this is not a company policy to provide such documentation, and are not required to provide such information. ACS offered to provide the initial Loan Disclosures, which is insufficient documentation for mortgage underwriting, as the disclosures do not provide a full amortization schedule. Not only is refusal to provide an amortization payment schedule a deceptive lending practice and inconsistent with federal policies established at HUD, ACS ' lack of transparency does not afford consumers with the opportunity to understand their ongoing and future obligations under the loan ( s ).
11/19/2015 No
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Having problems with customer service
  • FL
  • 34787
Web
As of XXXX/XXXX/2015, I have maintained part-time enrollment within XXXX University 's XXXX program. XXXX University is located in XXXX XXXX, FL. In early XXXX, I contacted ACS, my private student loan servicer to request a continued deferral on my private student loan account. ACS told me that they would process my deferral if I provided them with a letter of enrollment from my institution. I faxed a letter of enrollment to ACS on XXXX/XXXX/15 and XXXX/XXXX/15. I received successful verifications of the transmittal of the faxes to ACS. Despite this, ACS claims that they did not receive the fax and debited my checking account for the monthly payment of my private student loan. I e-mailed ACS a copy of the enrollment verification letter from my school on XXXX/XXXX/2015 since it is apparent that they have difficulty with not misplacing faxes. Today, I received an e-mail from ACS stating that they will not accept the " verification '' of my enrollment because the letter does not indicate my enrollment status. However, the enrollment verification letter does display my current enrollment status. I need your assistance in sorting out this letter because it is clear that ACS is attempting to thwart my attempts to defer my loan in an attempt to swindle money from a hard-working XXXX who is pursuing a graduate level degree. Notably, this is not the first time that I have had to file a complaint with your department regarding ACS and this private student loan account. Please reference your case-numbers : XXXX & XXXX & XXXX.
03/05/2018 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Problem with customer service
  • FL
  • 32836
Web
This complaint involves two issues. The first issue I had was that Conduent loan services did not credit my account with the correct amount that I had paid. They had shorted me by about {$250.00}. After multiple phone calls, first to XXXX, ID number XXXX, and then to XXXX, ID number XXXX, the issue was finally resolved. It took way longer, about a month to resolve this, than it should have. Thankfully, I pay attention to my records, or would never have known about this issue. The second issue I had was receiving another borrowers personal information in the mail. I opened the mail, as it was sent to my address and I have loans serviced by Conduent, so I thought they had put the wrong name on the correspondence. Upon opening the mail, I realized it was someone elses application, with her personal information on it. I was horrified to think that someone might get a copy of my personal identification and financial information in this way. I called Conduent to report this error and the customer service rep was extremely rude and said clearly the mail was addressed to someone else, as if it were my problem that I opened mail from a servicer I use that was sent to my address. He told me to return to sender. I asked his name and ID number and he hung up on me. This was on XX/XX/2018. I am extremely concerned that an organization such as Conduent is handling money and personal information from me and many others. My confidence in this companys professionalism and financial management capabilities is extraordinarily low.
05/12/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Having problems with customer service
  • MS
  • 39206
Web Servicemember
My loan was paid off by a servicing company, ACS. I applied for a military deferment as to not accrue interest. I submitted all of my paperwork with my XXXX as well as proof of XXXX XXXX XXXX. The deferment was denied and they will not uphold their own policy. When I tried to speak with them about it, they told me to call the Department of Education. The DoE stated they have no bearing on deferments. When I called back and asked to speak to a manager, the representative gave me a last name and stated I do n't know any supervisor 's first name. I told her that 's impossible for her to not know her supervisor 's first name. I asked for her name and she refused to give me her full name as well. She told me the application was denied because my order did n't say war on my XXXX. I told her that no one 's XXXX say war as we are not in any major wars right now and the operation that we fight in can not be printed on any electronic documentation. But my XXXX stated that I was in support of an operation. They have the Department of the XXXX XXXX as the heading and it says I went to XXXX. She then went on to tell me that it does n't state what you did in XXXX. I told her ma'am, that information is classified and no orders state this either. They will not uphold their own policy and guidelines. She then went on to say well, we can put you in forebarence so you will still accrue interest. She still could not explain to me how I do not qualify for a deferment and their policy states any XXXX XXXX member in support of a XXXX.
08/31/2017 No
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • MA
  • 01075
Web
I have been struggling to pay my private student loans, so I contacted my student loan servicer, ACS, to ask them to lower my monthly payments. I was told that I do not have any repayment options available to me, and that there is nothing ACS can do to help me. The ACS representative told me that XXXX XXXX ( the loan owner? ) may work with me regarding repayment once I fell behind. I kept stressing to the ACS representative that I DO NOT want to default on my loans, and that I just need to lower my monthly payments until I can get back on my feet. I was offered nothing. I spoke with another representative a few weeks later, who told me the same thing, that I have no options. I requested my complete payment and service history. Approximately a month later I contacted my state 's Attorney Generals ' ( AG ) office to file a complaint regarding my student loans. The AG 's office contacted ACS, who ( I believe ) referred her to a XXXX XXXX XXXX, XXXX, Loan Servicing Oversight, XXXX (? ). The AG representative requested my original signed promissory notes and complete payment and service history. XXXX XXXX assured her that I would receive those documents, but to date, I have not. I have, however, continued to receive regular monthly student loan bills. I contacted my state Congressman and Senator, but was told they only have jurisdiction over federal agencies, and therefore can not help me in any way. I am not able to continue paying my monthly private student loan bills, and I really some help - fast! Thank you.
04/09/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Received bad information about my loan
  • CA
  • 95825
Web
ACS and XXXX XXXX conspired to illegally capitalize interest on my loans by removing the loans from Income Based Repayment ( " IBR '' ) and placing the loans into either forbearance or deferment status. XXXX XXXX holds the promissory note, ACS ( or XXXX ) is the servicer. ACS also hides its actions by placing the loans into " accounts '' or " packets '' that are not available for viewing on its website when I am logged into my account. ACS has attempted to prevent my loans from continuing in IBR every year through difficult to meet deadlines, although I have continued to meet the deadlines, yet ACS refuses to acknowledge IBR for certain loans. And, ACS has sent statements that my forbearance or deferment has ended, when none of my loans are supposed to be in forbearance or deferment, and I was mislead to believe the loans are in IBR. The amount of interest being illegally capitalized is between {$60000.00} to {$80000.00} currently, and this amount does not include principal amounts of loans. After 25 years the original loan amount will be eligible for forgiveness, but the interest that ACS causes to accrue illegally will be my payment and the IRS will collect this amount. Accruing interest in this manor is illegal. I attended XXXX, XXXX between XX/XX/XXXX-XX/XX/XXXX. Virtually everyone was pushed into loans with XXXX XXXX. I provided XXXX XXXX with proof that XXXX illegally inflated my tuition to qualify me for loans that I did not qualify for, but XXXX XXXX has not responded to this information yet.
04/09/2015 Yes
  • Debt collection
  • Non-federal student loan
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 94103
Web
ACS is conducting substandard, if not illegal, loan practices. Their website lacks key information about my private student loans, such as the original loan amount. They do not offer a service to allow borrowers to increase their monthly payment amounts. I took out my loans from XXXX XXXX, which worked fine for me through law school. I believe ACS is intentionally obscuring their contact information on their website, does not allow borrowers to speak with a representative in the U.S. without at least a 30 minute wait period ( first requiring the borrower to go through a confusing automated recording that does not have an option to speak to a live person, then sending you through to someone XXXX ), and is preventing borrowers from actively controlling their student loan debt. When I finally spoke to a representative, she told me they were not legally required to provide payment plan information. I was told that if I wanted to increase my student loan payments, to send an email to an anonymous address. I asked if there was a specific person I could speak to about handling my loan repayment, she said " no. '' My email would go to " another department '' that she did not have contact with. I do not understand how this is an acceptable practice. Given the opacity, I have very little idea of what they 're actually doing with my loans. I have researched complaints on ACS and given the volume of posts on various websites by students of all backgrounds, I can not imagine how the practices at ACS are legal.
03/25/2017 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Having problems with customer service
  • TX
  • 78744
Web
ACS Education Services has continuously operated negligently in processing my qualified deferral from the University XXXX XXXX at XXXX that has been submitted and resubmitted on the following days : XXXX XXXX ( fax ), XXXX XXXX ( fax ), XXXX XXXX ( email ). On XXXX XXXX a " XXXX XXXX '' provided me as there were " issues '' with the fax. On XXXX XXXX I received an email confirmation that my deferral was received and that by XXXX XXXX my deferral would be processed and subsequent delinquent credit history restored ( as a direct result of the continued and ceaseless " issues ''. XXXX XXXX no such confirmation for deferral was received. On XXXX XXXX I called again and spoke to a " XXXX '' who notified me that no such information, to any capacity, was every received and to resubmit - again. I notified " XXXX '' that I have so far as received an email confirmation by her colleague, " XXXX '', and upon speaking with her colleague stated that it has in fact been received and would be processed, now, by XXXX XXXX. I requested to receive verification from her supervisor. Upon speaking to her supervisor, " XXXX '', I was asserted that the removal of the negative credit history would be done so by the end of the day. It is now XXXX XXXX and no such action has taken place. This has taken considerable time, has negatively impacted my credit history through an undue and unnecessary time period, has caused extensive burden and borders fraud and malfeasance. I am requesting assistance from CFPB and intervention.
10/13/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Struggling to repay your loan
  • Can't temporarily delay making payments
  • AZ
  • 85022
Web
Last XX/XX/XXXX, I called ACS two months prior to my forebearance ending to see about putting my loan in forebearance another year. I have not worked since XX/XX/XXXX and I had to file for XXXX. My hearing for XXXX is in or around XX/XX/XXXX. By then, I will know if I have an income or not and begin making payments. I fully intend on paying my loan back. I had been paying on it on a regular basis for years without missing a payment. However, after my XXXX in XX/XX/XXXX, I have not been able to go back to work and filed for XXXX. Last XX/XX/XXXX, when I called ACS to find out my options for another forbearance, they emailed me the form same day. It was confusing so I called them for answers, telling them no change from last year and I was advised on how to fill it out. I sent it back regular mail in XX/XX/XXXX. I did not hear anything back either by regular mail or email. I called yesterday afternoon and I was told it was denied. I asked when. She said XX/XX/XXXX! She also said they put you on another program. I said wait a minute. I 've done everything they have asked me to do and they ca n't even notify me correctly of their decision and they want me to pay when I do n't have a job? She said to fill out the form again. She was n't knowledgeable in helping me fill out the form right. I lost confidence in ACS. They never used to be this bad. I am requesting another year of forbearance. I have yet to receive the response they said they sent me denying the forebearance so I have nothing to attach.
04/03/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30309
Web
ACS ( XXXX XXXX ) is intentionally and fraudulently misreporting information on my credit reports. In XX/XX/XXXX, I noticed that late payments were reporting on a CLOSED account that had an account status of PAID AS AGREED. Those late payments were negatively impacting my credit score so I wanted them investigated. It should also be noted, this account has been reporting as PAID and CLOSED since XX/XX/XXXX. In XX/XX/XXXX, the result of the dispute was verified AND the ACCOUNT STATUS was fraudulently changed from PAID AS AGREED to PAYS 60-90 days late? How can a PAID AND CLOSED account status be changed to PAYS 60-90 days late, 5 years after the account was closed? I initially filed a complaint against XXXX XXXX because I had no idea who ACS was? XXXX XXXX, in fact, confirmed that they never reported ANY account delinquencies to the credit bureaus regarding ANY of MY ACCOUNTS ; supporting documentation attached. However, the account continued to report PAYS 60-90 DAYS LATE so I decided to do additional research on ACS. According to XXXX, ACS took over accounts from XXXX XXXX in XX/XX/XXXX which was 3 years AFTER my account was PAID and CLOSED so how could they " verify '' or CHANGE my ACCOUNT STATUS from PAID AS AGREED to PAYS 60-90 DAYS Late? This does not make sense therefore I am filing a CFPB complaint against ACS for fraudulent misreporting to the credit bureaus that is NOT in compliance with the METRO 2 Reporting Guidelines and a direct violation of the Federal Credit Reporting Act.
07/07/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OH
  • 44057
Web
The major credit bureaus such as XXXX, XXXX and XXXX XXXX have an obligation to the public for honesty, that mandated through the Fair Credit Reporting Act. The credit reporting agencies have a strict subscriber agreement to those companies, banks, credit card companies and collection agencies to abide by the laws of the Fair Credit Reporting Act, Fair and Accurate Credit Transactions Act, and the Fair Debt Collection Practices Act. However, debt collectors for student loans break the law continuously. Take ACS EDUCATION SERVICES for one. This agency has never shown proof that they were ever granted collection rights from a securitized trust where all of my student loans were owned. However, upon obtaining my student loan information, I never made one payment to this agency as my loans were always in deferment while I finished school. However, this agency, upon obtaining my information without a right to report it without servicing rights or ownership rights, and this same agency took my information and posted immediate 90-day late payments across the board on at least six separate accounts. This abusive practice by student loan collection agencies is abusive, and I have been the victim of an agency that in my belief had no rights to servicing or ownership. Accordingly, this agency has violated my rights under FCRA and the subscriber agreement they signed with all pertinent credit reporting agencies. These accounts must be deleted and my files purged along with my personal information.
03/31/2018 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • TX
  • 77479
Web
Two issues with Conduent, but they both apply generally to all student loan servicing companies. I pay my loans, more than is needed. No problem there. My issues are what the servicing companies are allowed to do : ( 1 ) Unilaterally changing service providers. This happens often and fundamentally affects my ability to communicate with the servicing agency and keep track of balances. Can I unilaterally give my debt obligations to someone else that may or may not pay, the way the servicing companies are allowed to shuffle loans around at will? I didn't think so. ( 2 ) The " TO PAY OFF YOUR ENTIRE LOAN '' amount placed on loans. Good through some imaginary 10 day time period. This is a complete fiction. No one mails in payments and if someone did and the USPS delayed delivery the servicing company would tack on more interest. Right now my loan says to pay it off I need to add XXXX dollars worth of interest. But if I click on the interest accumulated today there is only one dollar of interest. This is a complete scam to trick people into overpaying. Is anyone monitoring the amounts of interest overpayment when people make one time payoffs? Small fractions are easily millions of dollars. The servicing companies should be required to list a " PAY IT TODAY '' amount. I am shocked this system has been in place for so long when today the internet alllows simple same day payments which I would guess accounts for >95 % of all payments processed by Conduent.
06/12/2017 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Don't agree with the fees charged
  • NY
  • 11377
Web
Hello, My name is XXXX XXXX and I have filed the complaint with you around XX/XX/XXXX, 2016 about Affiliate Computer Services ( ACS ) for which XXXX XXXX XXXX is an administrator. CFPB complaint Case # : XXXX. In response to my case, you sent me a letter ( XX/XX/XXXX, 2016 ) saying that XXXX XXXX evaluated my loan history and they would reduce my interest rate. It said that XXXX XXXX had permanently reduced my interest rate margin to 2 %. and it further said that reducing interest margin would effect of reducing my monthly payment about {$50.00}.

Not only XXXX XXXX DID NOTHING ABOUT REDUCING MY PAYMENT BUT IT INCREASED IT TO $ XXXX Monthy. IT IS ABOUT {$10.00} more I used to pay. I called them three times to discuss my case. NOBODY COULD DO NOTHING AND REPRESENTATIVES FROM AFFILIATED COMPUTER SERVICES ( ACS ) KEPT SAYING THEIR COMPUTERS WERE DOWN AND ASKED ME TO CALL LATER!!!!. I DON '' T HAVE A TIME TO CALL LATER BECAUSE I NEED TO WORK TO PAY MY BILLS. I AM FURIOUS, AND I WANT TO TAKE A LAWER TO RESOLVE THIS PROBLEM. I HAVE NEVER DEALT WITH SUCH DISRESPECTFUL AND IGNORANT COMPANY AS AFFILIATED COMPUTER SERVICES ( ACS ). THEIR BEHAVIOR IS UNACCEPLATBLE. I HAVE BEEN PAYING MY LOANS AROUND 8 YEARS AND THE BALANCE REMAINS THE SAME. CAN YOU HELP ME TO FIND SOMEONE A LAWER TO RESOLVE THAT PROBLEM?. MY CASE WAS FILED On XX/XX/XXXX, 2016. My name is XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. CFPB COMPLAINT CASE # : XXXX. My email is XXXX. Phone is XXXX.

07/12/2020 Yes
  • Student loan
  • Federal student loan servicing
  • Struggling to repay your loan
  • Problem lowering your monthly payments
  • GA
  • 30324
Web
XXXX XXXX XXXX XXXX XXXX failed to review my previous claims directly. I demand that someone else review my file. This is my final warning. If my claims are closed again I will take it as a firm message from your company you do not see any errors on your part and have no problem if i seek litigation on any errors discovered moving forward. As stated in my last complaint : ACS is reporting false information to the credit bureaus. This is my final notice. You have 14 days to remove this item from reporting or I will file a complaint with the Department of Education and File a lawsuit against ACS. This stops now. My loans went into Forbearance from XX/XX/XXXX until XX/XX/XXXX. All my loans were refinanced and consolidated in XX/XX/XXXX. You are reporting late payments for periods were a forbearance was given. You have even supplied documentation establishing my claim that this loan was never late. The loans were either in different or forbearance. While the loans were in forbearance your company continued to sell the loan from one company to another creating misinformation and data errors. I am not responsible for you bad management. This loan was never late. Either update the credit file to show that this loan was in either multiple def-ferments or forbearance or remove it from reporting. I will not ask again. You are violating my rights under the FCRA and you are violating the reporting agreement between servicers and the Department of Education.
10/10/2017 Yes
  • Student loan
  • Private student loan
  • Struggling to repay your loan
  • Can't temporarily delay making payments
  • NY
  • 10163
Web
I have for the last XXXX months been working to secure a forbearance or deferment for my institutional loans and XXXX loan, due to no avail. I can not reach anyone at the XXXX servicer, ACS Education. When I do try to contact ACS, they defer me to one person at XXXX who seems to work once a month and never gets back to me. I have repeatedly explained that I am currently unemployed and can not make payment on my loans and it is important to me that they not go into default. I continue to be given the run-around by both XXXX and ACS as to this matter. I believe that what they want is for the loans to default, so they do n't have to deal with it anymore. I had an employment deferment for XXXX and simply asked them to renew this for this year. There seems to be no quick solution to this and I do n't understand why -- it 's such a simple matter. The loan servicer for my federal loans, emailed me the forms they needed and gave me the choice of emailing or mailing them back. Those loans have been securely in deferment. Also, XXXX has refused to put my loans into a temporary forbearance while they continue to insist that I work with the neanderthals at XXXX who never get back to me, or respond to me in writing. Again, I believe this is intentional so they can refer the loans to a collection agency, instead of working hard to help former students. This is predatory and unjust. Now I log onto the ACS website today and I do n't even see record of my loans.
05/10/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Having problems with customer service
  • FL
  • 33301
Web
I signed up for email notifications with ACS. ACS agreed to provide me with email notifications when payments were due. ACS provided me a notification of a payment due on XXXX XXXX, 2015. From that point forward, I did not receive any notification from ACS of any payments due until approximately XXXX XXXX, 2015. On approximately XXXX XXXX, 2015, I received a phone call from ACS informing me that my account was severely past due. I asked how this could be, because I had not received any email notifications. I made a payment to bring my account current. Because I had not received any payment notifications from ACS in several months, it was my understanding either that my account was on auto-pay, or, that my account was otherwise in good standing. In my view, this constitutes a deceptive and unfair trade practice. It is deceptive for ACS to offer an " email notification '' option, wherein it represents that it will send a borrower email notifications when payments are due, and then not honor that representation. I understand how busy the CFPB is and I understand that you have many more compelling cases to consider. However, I believe that this merits investigation. To put it simply : A few months ago, I had a credit score of XXXX. I was going to buy my first house XX/XX/XXXX. I just pulled my credit report tonight and saw that, as a result of this ACS situation, my credit has collapsed to XXXX ( lower on certain reports ). This is devastating.
07/03/2019 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • NC
  • 27545
Web
I'd like to receive payment history ( for amount paid ) throughout the life of my student loan. The loan was sold by the company formerly known as ACS ( Conduent ) and is now serviced by XXXX. I have all payment history from the date of XX/XX/XXXX but would like the prior 11 years ' worth of history from Conduent. Payments began some time in XXXX and there has been some forbearances and deferments during that time. When my balance was transferred over to XXXX, the high amount as reflected on my credit report says {$19000.00}. When I began making payments with XXXX, they started my balance as {$21000.00}. I don't understand this discrepancy. I need to confirm accuracy by reviewing the history in total. On the XXXX website, they state they have only received one historical transaction from ACS/Conduent and it was basically the total balance due ( {$21000.00} ). There were no history of payments. Also, there are no previous tax statements at all. My statements only go back to XXXX. When I log into the Conduent/ACS site, it just tells me they no longer service my account and to refer to the new servicer. I have tried contacting ACS by phone. However, the number is not in service. I have contacted Navient by phone but they say this is not their problem. I believe I have made at least half of the 120 payments required for loan forgiveness. However, I have no historical proof due to the way my loan has been managed by ACS educational services.
03/22/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Don't agree with fees charged
  • IL
  • 60120
Web
During my last recertification of IBR, ACS reported my gross income as {$XXXX} using my paystubs. They said they based it on a 12-month work period. The only problem with this is that I am a XXXX and XXXX only work from XX/XX/XXXX to XX/XX/XXXX in our XXXX. My income should have been based on around XXXX instructional days. Also, XXXX do not earn on XXXX break, XXXX break, XXXX break and holidays in between, including training days for XXXX. As a XXXX, sometimes I get to work as a XXXX. I may earn the first year XXXX rate working as a XXXX, but nowhere near XXXX as ACS claims I earned. My concern with this unearned amount reported by ACS is that it may influence the standard repayment plan to a higher amount. ACS claims that they ca n't go back now because it is too late. I requested them to put the amount back into the loan, but they wo n't do it. This amount is now past due even though I am under IBR and recertified with them. While I tried recertifying, I had paid a previous standard repayment due to my late recertification. ACS denied my IBR forms claiming I did not select the correct check mark. I feel ACS failed to help me 3 times within 45 days to help me correct the issue by delaying the acceptance in order for my account to get hit with another standard repayment plan due to lateness and collect a little more from me. I want the Bureau to investigate this further to find the discrepancies that appear in my account.
10/24/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Struggling to repay your loan
  • Can't get other flexible options for repaying your loan
  • OR
  • 97330
Web Servicemember
EVERY year when we attempt to renew the IBR, the paperwork gets lost or mishandled at Conduent ( ACS ). We spend hours re-submitting forms and making phone calls while the amount due which is greater than we can pay builds and shows overdue. The company eventually gets the IBR fixed, but forces us to additionally pay the overdue higher amounts, which is a real struggle for us. Specifically, this year, we submitted the IBR requests via pdf email on XX/XX/XXXX and received a confirmation email onXX/XX/XXXX that showed they had received the IBR request and would contact us when processed. We heard nothing from the company until yesterday XX/XX/XXXX when our bill arrived showing no IBR at all. This happened for both my account and my wife 's, with the total payment due exceeding our combined monthly income. I called ACS and they apologized for not contacting us because " the pdf IBR application was cut off with only half the page visible. '' It is a PDF ... NOT A FAX and I confirmed that the image is complete. SERIOUSLY, what are the odds that two separate pdf docs ( one for me and one for my wife ), sent in separate emails were both " cut off ''??? Now they say we have to start over, re-applying for IBR, because the dates on the application are over 60 days. THE DATES WERE FINE EXCEPT THAT THEY DID NOT PROCESS THE ORIGINAL REQUEST OR CONTACT US THERE WAS A PROBLEM. THIS OCCURS EVERY YEAR. My SSN XXXX My Wife XXXX 's SSN XXXX
11/07/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • NY
  • 11101
Web
I had a private loan ( Amount {$3500.00} ) with ACS which I got when I started school at University XXXX Arizona ( opened XXXX ). After graduation, a couple things happened. XXXX the Government switched student loan servicers to XXXX XXXX XXXX. I moved out to New York for a job. During this time, I never received any notification about this loan being outstanding. I was finally contacted and notified about this loan when it went over to the collection agency. Thankfully, I was able to pay off the whole amount as soon as I found out XXXX Account last active XXXX ) before it went delinquent. But on my XXXX XXXX, the report shows XXXX instance of the payment being XXXX days late and XXXX instances of it being XXXX days late. This is inaccurate. It should say XXXX instance of it being XXXX days late. It is not that I had XXXX loans that were XXXX late. It was that XXXX student loan ( which changed servicers ) that was late for more than XXXX days. I contacted ACS couple times and they say they can not do anything about the information since the payment was late. I told them that I am not asking them to remove the late payment mark ; I am asking them to show the correct information. My XXXX XXXX is XXXX and I have never had a late payment other than this student loan. Showing XXXX instances of me being XXXX late on a loan has caused trouble for my family and I in terms of housing and transportation ( car ).
08/22/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • AL
  • 35023
Web
ACS Education Services is refusing to release my loans to another borrower that is consolidating my loans. After contacting ACS numerous times about them sending the info they continue to say the same thing " We 're done with XXXX of your XXXX packets '' and I 've heard this for about 2 months. They had the request to send the info so they could be paid off in XXXX 2016 and after speaking to the new lender today ( XXXX/XXXX/16 ) I was just advised they send information that my loans were paid off already. In the mean time ACS has my loans in default, sent it to a collection agency, and put it on my credit report. I 've NEVER defaulted on my loans and was even struggling to pay them $ XXXX/month but still did it. If anyone looks online they will see the many horror stories about ACS Education Service and I almost feel I 've paid my money to a company that has scammed me the whole time and concerned about the payments that I did make. I 've found a company that is authorized by the Dept of Ed to help with consolidation, lower my payments for all my loans dramatically, and actually give me a length of how long I will have to pay them. I am now in the process of faxing them my bills to prove that I still own ACS and they will help me resolve the issue and hopefully get the funds to them to pay them off. On another note my other lender sent the information within 2 weeks and were paid in full within 3 weeks.
06/30/2017 Yes
  • Debt collection
  • Federal student loan debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IN
  • 46268
Web
I contacted Studoc ( formally known as student document assistance program ) prep to get help with my student loans and they gave me false information. They wanted my personal information, which I gave them, they also wanted me to pay up front of XXXX dollars ( I paid them on X/XX/2017, X/XX/2017 and X/X/2017 with the payment of {$290.00} ) without the promise of any written details, and told me I qualify for public service loan forgiveness ( The prep told me it is called Obama student loan forgiveness program, which I found out there is no such program exist and it was false advertise ) Right now it is XX/XX/XXXX, 2017 and they are still asking me for more information and fill out more document, and at this point I requested that I would like to cancel my service and get my money back but the company prep are being avoidance of my request. They kept saying it is almost compelete and want me to wait but I been dealt with this incident since XX/XX/XXXX, 2017.

The last time I contacted them was on XX/XX/XXXX, 2017. The prep wants me to put another forbearance for 3 months and told me that they tried to contact me in XX/XX/XXXX, and in XX/XX/XXXX but can not give me the date when they called. They tried to put the cause of delaying the process on me but when I asked the date and the time they called, the prep can not provided the information. I kept all the email that I got from the company if needed.

08/25/2015 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • WA
  • 98467
Web
I am a conscientious borrower and historically have kept my student loans payments up to date. To make this easier, I changed from individual internet payments to using the bill pay service from my bank. When I made internet payments to ACS, they would divide the payment between my XXXX accounts there. When I changed to my bill pay service, they began to apply the payments exclusively to XXXX account. Consequently, XXXX account is now paid up through spring next year. But the XXXX account is listed as overdue. They reported me to the credit agencies because of the overdue account. I have called multiple times explaining the circumstance, and asked them to apply the amount necessary from the over-paid account to the past due account to bring it current. I now make to separate payments each month to keep the overdue balance from getting larger. But despite my efforts and multiples calls, they still have not transferred funds from the over-paid account to the overdue account. They have reported me to the credit agencies, which has had an impact on my credit rating. And they keep calling me and hounding me at work. I see no reason why a consumer who has over-paid ACS should be subject to the embarrassment of being called by creditors at work ; a decrement in my credit score ; and the frustration of explaining the circumstance over and over only to have ACS fail to address the circumstance. Please help.
04/19/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Don't agree with fees charged
  • TX
  • 79938
Web Servicemember
I graduated from my university and XXXX in the military in XXXX. I should have the 6 % interest rate on my student loan according to the Servicemembers Civil Relief Act ( SCRA ). ACS Education Services has my interest at 6.8 % and told me that they need a copy of my orders to verify that I am in the military. I emailed them a copy of my XXXX XXXX XXXX in XX/XX/XXXX ( showing my XXXX as XXXX XXXX ) as well as my XXXX ( XXXX XXXX, XXXX XXXX ) showing that I will be in the military until XXXX. They rejected both of these documents for " title and authority '' because they wanted the rank and branch spelled out. However, every military document has the rank or branch abbreviated. I asked what specific DA/DD form they accept and they keep saying " military orders. '' I 've given them several different military documents and orders that show my full name, SSN, and service dates yet they keep getting rejected. It is illegal for them to reject official DOD documents and forms. I believe this is their way of scamming the system to prevent service members from getting the lower interest rate. My 6.8 % interest rate needs to be corrected to 6 %, back-dated to XXXX XXXX, and the entire loan amount owed should be corrected based on the 6 % interest instead of the 6.8 % applied over the last six years. They have been overcharging me for the past six years and I should get the amount paid on the 0.8 % refunded.
04/07/2016 No
  • Student loan
  • Federal student loan servicing
  • Can't repay my loan
  • Can't get flexible payment options
  • NY
  • 11692
Web
I have XXXX loan servicers. ACS and XXXX XXXX. I sent them both the same application packet with my pay stubs so they could get a picture of my situation. XXXX XXXX used this information correctly and thus provided me with the correct monthly payment amounts, which I am paying. ( XXXX $ /month ). ACS came back with a payment that does not, in any way, reflect my income situation at the time the Income based Repayment plan application was submitted. ( $ XXXX dollars ) This is the second year in a row that I am having this problem with them. Last year it was the same starting point as that of what I am dealing with now and last year, after going through hoops, it ended up being XXXX $ per month. ( Finally, the same as what XXXX XXXX calculated my payment to be for XXXX initially. ). I 'm making a little more money now as reflected in the XXXX payment that I make to XXXX XXXX. But, it 's the same story with ACS for some reason. Why do I never have this problem with XXXX XXXX??? They need to use the same income information that XXXX XXXX used. That is federally mandated! It is the SAME federal repayment program used by XXXX companies and the same exact information was sent to XXXX of them. The only difference was I replaced each company 's name on the fax. I should not have to go through this two years in a row. This signaled to me that something is up at ACS and they need to be aired out.
01/14/2022 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • DE
  • 19709
Web
To Whom it may concern, I had a student loan with ACS-education for about four or five years that I paid on time faithfully. I attended XXXX XXXX XXXX in XXXX in the early XXXX. I did complete the XXXX XXXX course but had a real tough time finding a Job that I could pay bills let alone a student loan back but with my ignorance I let the student loan go into default after deferring as long as I could once I was able to get somewhat on my feet I tried to get back to fixing my credit to be a homeowner one day and I was pushed to ACS-Education where I was making payments that I really could but if I didnt it would hurt my credit and I would not be able to buy a house. There were times when I did my taxes that I was able to pay a little extra. When I would ask for my loan to reflect my pay, they told me repeatedly No I must pay what they asked and if I was paying {$370.00} only {$50.00} was going to my principle. It was a horrible experience. After getting nowhere I was forced to consolidate with a private company and got a break on interest being pay and more money has been going to my principal. I tried to look up my account on ACs-education but found that were sold to another company I still have my account number but can't get into site for information. ACS-education was never user friendly and only took advantage of me in my situation. ACS managers never helped me and only took my money.
03/09/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Can't repay my loan
  • Can't temporarily postpone payments
  • NE
  • 68104
Web
I have had a student loan with ACS for years and I have always applied for a deferment or forbearance every year. I applied for one in XX/XX/XXXX because I am unemployed and receive government assistance I recently found out that the deferment/forbearance was not completed by ACS and that my loan has been in default since XX/XX/XXXX. I have called ACS several times for approximately 4 to 5 months trying to get help with this matter first I could n't verify what address they have on file and was told that they could not help me if I could n't verify it. I finally spoke to someone who told me that the last deferment was in XX/XX/XXXX I told her that was not correct that I called in XX/XX/XXXX to verify that they had got the paperwork was told that it was being processed. Evidently it was never processed. I was told to contact XXXX I have contacted them and was told by them that they have nothing to do with my loan being deferred that they get it once it is in default. ACS sent my student loan in saying that it was in default when it should not have been in default but in deferment/forbearance all of my loans thru XXXX have been and are currently in forbearance except for the one being serviced by ACS and I have completed a complaint via email several times and has also asked for a supervisor to contact me I submitted another complaint and request for management to contact me again today
08/02/2019 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • OH
  • 44720
Web
From XXXX to XXXX, my loan was serviced by ACS ( now doing business as Conduent Education Services, I believe ). It was very difficult to make payments on my account at times, and rather than telling me about Public Service Loan Forgiveness programs or Income based repayment, they would simply offer to put me in forbearance ; and my interest would just continue to accumulate. In XXXX, I was finally told that I had to refinance my loans through XXXX in order to qualify for PSLF. Finally, I did refinance through XXXX, but I no longer work in public service. I am currently on the Income Based Repayment program through them ; and worked for 10 years in a hospital as a security officer ; but have found that I can no longer benefit from this program. ACS 's failure to notify me of my option to pursue Public Service Loan Forgiveness is negligent at best, and now I have payments that can not possibly touch the principal. Further, to discover that the 10 years I spent in public service no longer apply to PSLF is unacceptable and extremely unfair. When I left college, my loans came to about {$25000.00}. Now, they are more than {$100000.00}. I can not possibly pay this off in my lifetime. I understand that ACS had a class action lawsuit filed against them by the state of New York for the exact same reason. I can not benefit from this, because I do not live in New York. What remedies do I have?
09/12/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • CA
  • 90066
Web
I am on an income based repayment plan with ACS. In XXXX, I missed a payment which resulted in late fees of {$100.00}. I have now paid a late fee of {$100.00} every single month since XX/XX/XXXX. ACS never notified me of the late fee amount, so initially I assumed that the amount was being broken down over several months. After 3 years of a continuous late fee payment, i decided to inquire about an accounting, i.e. how much was my initial fee, how much have I paid on it and how much was still due. Turns out, when an account is in IBR, ACS applies all overpayment of the due amount to interest first and then late fees. Since my interest is always over {$100.00} of the late fee, they effectively created a system in which there is not a way for me to pay the late fee. My continuous additional payments of {$100.00} are creating a windfall for ACS that flies in the face of the intent of IBR. After a lengthy discussing with the supervisor 's supervisor, I asked if for one month I could pay the current due, plus the accrued interest, plus the late fee if that would take care of the late fee. I was told that it would but only if i pay on the day that interest accrues. I intend to do this. However, this seems like a clear violation of IBR that amount to defrauding student loan borrowers. It seems highly unlikely that I am the only one this happened to and should be investigated in depth.
02/09/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Don't agree with fees charged
  • MA
  • 02302
Web
I received a XXXX tax for from the school loan company ACS ( XXXX XXXX XXXX ) stating I was paid {$710.00} in other income. When I called to inquire about this, ACS told me they had made a mistake on my loan payment in 2011 and had to make an adjustment this year. I asked when this adjustment occurred, since I could not see it on my payment record. They told me the adjustment was applied 'behind the scenes ' and would not show on my payment records screen. This leads to my specific concerns : 1. I do not see how an adjustment for a mistake on their end becomes taxable income on my part ( I was in school at the time these funds should have been applied and would not have had to pay tax on them ). 2. The corrections are too opaque. If there is no evidence of an adjustment, how to I know it occurred. 3. This reported income has changed the amount of interest they are claiming I paid on my loans this year. According to my online payment records on the ACS website, I have paid {$1600.00} in total on my loans this year, with {$630.00} being applied to interest. Yet, my XXXX reports that I have only paid {$10.00} in interest this year. 4. The XXXX form was sent to my house without any indication as to why and what it was. I had to investigate on my own only to discover the form was for payments issued by a company, which surprised me because I did not receive any funds from ACS.
07/10/2015 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • CT
  • 06614
Web
From XXXX I attended XXXX XXXX. In XX/XX/XXXX I decided to take out a loan with ACS Education Services of which the total loan amount ( including fees/interest ) was {$5500.00} ( $ XXXX base loan and {$500.00} in interest ) The first payment I made was on XX/XX/XXXX. Fast forward almost XXXX years, I am still paying off this loan. Total payment since inception has been {$5600.00} of which only {$1500.00} has been put towards the principal and the remainder to interest. The current variable interest rate listed on my account as of today XX/XX/XXXX is 10.280 %. The minimum payment amount is {$55.00} and I 've consistently been paying {$65.00} per month and I have even made payments as much as {$100.00}. I really believe I should be done with this loan considering that I have not paid the minimum amount towards this loan. I would like for ACS Education Services to explain how are they allocating the interest vs principal amounts whenever I made a payment. The way they distribute my payments have not been consistent every month and month after month at least 80 % + of my payments are going to interest. I really need help in trying to figure out what is going on here. I really think they are stealing my money. Also I am no longer receiving statements and on the website they do not have a link where I can view my statements online. I am not sure why the government has not intervened.
09/13/2020 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Need information about your loan balance or loan terms
  • NC
  • 28210
Web
Conduent was my previous student loan servicer. My student loan was sold or transferred to XXXX XXXX XXXX XXXX in XX/XX/XXXX. I have no hard copy or digital records of the original loan or transfer over to the new service provider. I do not have any info about the repayment terms and schedule. No data transparency or disclosure is available. XXXX insists the former Conduent service provider sent the loan paperwork. I did not receive a hardcopy or digital copy. XXXX will not provide a copy of my loan paperwork or the full repayment schedule. They insist all that information was sent to be by XXXX and they do not have any obligation to provide this information since they did not originate the loan. My payment schedule is graduated and I don't have information regarding the graduated schedule. I was shocked by the increase in my expected XXXX student payment and had no warning of the pending increase. XXXX will not provide the full repayment schedule to me except for XXXX, XXXX and XX/XX/XXXX. I can not compare the repayment schedule for XXXX to XX/XX/XXXX to the original Conduent loan information because I never received the info. I do not have information to determine the accuracy of my loan balance, previous payments, pending interest or principal. I have no means to perform an accounting reconciliation of my loan account without the Conduent loan documents.
04/09/2018 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Need information about your loan balance or loan terms
  • TX
  • 76115
Web
I've had student loans with XXXX since the early XX/XX/XXXX. I was paying on an online system through XXXX, then XXXX, then Conduent. I am not on special payment plan and have never consolidated my private loan or signed any new terms ; I started paying interest plus principle on it the moment it was due, and have been paying regularly and without fail for 10 years. On Friday, XX/XX/XXXX, I went to the conduent website ( here : https : //www.conduenteducation.com/XXXX ) to send money to my private loan. I saw the payment go through and received an email verification. On Saturday, XX/XX/XXXX. I went in to my account to pull my student interest payment statement to do my taxes. At that time, my private loan was gone. It was no longer listed at all, and I could find no indication that it ever existed. ( I have pdfs of both days, which I have attached below ). Let me state that again -- in a matter of 24 hours, my XXXX loan being serviced by Conduent that I have regularly paid each month for over ten years through the same service has disappeared from my queue and has evaporated from my account. It is GONE. There was no email and no follow-up -- it just appears my loan is now invisible/inaccessible to me. ( Maybe it has been sold to a new entity? ) Either way, this is unacceptable. I now have no idea how to pay this loan -- where do I send it, and to who?
05/11/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Need information about my balance/terms
  • PA
  • 19146
Web
I have XXXX loans serviced by ACS Education Services -- a Perkins loan and an institutional loan. I am enrolled in the automatic ACH auto-debit program, a program which, as I understand it, is designed to assist in and ensure the timely collection of monthly payments. ACS has informed me that because I am enrolled in the ACH program, it is unable to generate monthly billing statements for my account -- either to be mailed directly to my billing address or posted on my secure online account -- prior to automatically deducting funds from my account. Such a policy prevents me from maintaining accurate and complete records and otherwise makes it difficult for me to manage my account and get timely information about my loan repayment. If ACS intends to automatically collect money from me each and every month, then at minimum, it should be required to provide me with a monthly billing statement without requiring me to un-enroll from the ACH program ( a program which is mutually beneficial to both the borrower and the loan servicer ). I further note that my other federal loans servicers besides ACS, namely XXXX and XXXX XXXX, are able to provide me with a monthly billing statement ( on their secure online portals ) without requiring me to un-enroll from their automatic debit programs. I am perplexed why ACS is thus unable to do so when other loan servicers do so.
02/29/2020 Yes
  • Debt collection
  • Federal student loan debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • VA
  • 20111
Web Servicemember
Consumer complaint narrative I received a letter from the XXXX XXXX on XXXX claiming that I owe { {$18000.00} }. They went on further to say that I defaulted on this obligation ( I dont owe them ) I saw no other information about who the original lender was, and what the terms and agreements were for the loan. They simply stated that I owe { {$18000.00} ) and they will garnish my wages to resolve the issue, which is Not right. I had my loan From Virginia Bankruptcy Court XXXX Dischrged, XX/XX/ which The company was ACS. Plus ACS did not show up in court in XXXX for the {$10000.00} loan so Judge GRANTED me FULL DISCHARGE OF CHAPTER XXXX liquidation of Assets to me. Now, 5 years later I get letter from these XXXX XXXX and wage garnishment to XXXX XXXX in XXXX Va to garnish my wages and didnt say what date the loan was I had with them XXXX ( I have no loan with them ). This money laundering and target consumers of bankruptcy is illegal. I am a single mom and have no money, to go after these thugs,. Please help. Virginia Bankruptcy Court of XXXX said loan was discharged and XXXX isnt named on court papers so they are threatening me and my company. What XXXX sent to XXXX is some made up number, and There was no other specific information as to the account number, the initial date the loan was started or which financial institution loaned me the funds.
05/24/2016 No
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Having problems with customer service
  • MD
  • 21286
Web Servicemember
For nearly 8 months, ACS Education Services ( a/k/a XXXX XXXX XXXX XXXX ) has refused to complete a simple form that is required to qualify for a benefit of military service. The XXXX XXXX offers a student loan repayment program. For the XXXX XXXX to pay the loan under this program, the lender or servicer must complete a form certifying the principal balance of the loan and providing information to electronically pay the loan ( See Attachment XXXX ). ACS received this form on XXXX XXXX 2015 -- nearly 8 months ago ( See Attachment XXXX ). Despite repeated requests to ACS during these months, ACS has not completed and returned this form. ACS claims that it must recalculate the balance of the loan before making such a certification. Yet despite having this form for nearly 8 months, ACS has refused to even provide a time-frame for the completion of these calculations. Moreover, ACS has refused to allow me to speak with any person in the department that supposedly processes these calculations on the grounds that these personnel are not " telephone trained. '' Meanwhile, ACS continues to charge interest based on portions of the loan that would have been paid off months ago but for ACS 's inability to complete this form in a timely manner. Please do whatever you can to encourage ACS to complete this form and return it to me without delay.
10/06/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Having problems with customer service
  • OH
  • 45440
Web Servicemember
My student loan was discharged due to VA XXXX. It was discharged XXXX 2015 and I 've called and emailed ACS/XXXX, XXXX XXXX, XXXX, Dept. of Education and the IRS. I never received my XXXX Form and I kept getting the runaround, ACS said they do n't issue, call XXXX XXXX and XXXX XXXX gave me a letter with an amount, not the actual XXXX form. I called the IRS and they said that no one has issued a XXXX under my social security. XXXX XXXX said my lender should of given me the XXXX but ACS is the servicer for XXXX and said XXXX XXXX is the one to issue my XXXX form. My next issue was that my Credit Report ( XXXX ) was the only XXXX out the XXXX credit bureau 's to have under the comments section, Student Loan Assigned to Government ; Fixed Rate. I 've been disputing it and it 's still not fixed. ACS sent a letter saying that my loan was discharged but it did n't say VA XXXX and I do n't know if that has anything to do with why I did n't get my XXXX? If no-one filed a XXXX with the IRS, maybe that 's why I did n't get it. I do n't know the actual procedures of what happens when a student loan is discharge because of Veterans XXXX, but I just want to make sure that I 'm not on a 3 year monitoring period and maybe that 's why my loan on the credit report says Loan Assigned to Gov. Fixed rate. I get different answers every time I call or email.
10/14/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Received bad information about my loan
  • MN
  • 55113
Web
I have a student loan with the company ACS based in XXXX, NY. I have been unfairly charged interest amounts due to lack of attention to my account. I have also been denied the ability to pay in a timely matter. I have served in XXXX XXXX and I have been given money to pay my interest payments while in service. ACS has not accepted the payment action requested by XXXX XXXX to issue the interest payment. My first request was in XXXX 2016 and I have been dealing with customer service reps that have told me that they have not received any request. I resubmitted my interest payment request XXXX XXXX, 2016 with a rep on the phone and was told to wait 2 weeks. Today is XXXX XXXX, 2016 and there was still no action taken on my account. I was once again met with " We have no request on file ''. I asked to be connected to a supervisor, I was connected to XXXX XXXX. She was able to find the request and told me that it was being audited. When I asked the following questions I received the answer " I Do n't Know '' each time. Question 1- Why have your reps not been informed of this audit? Question 2- When will the audit be completed? Question 3- Will it be completed while I am still able to use my XXXX XXXX XXXX? I then requested to speak to her supervisor and was connected to XXXX XXXX. Her response was I ca n't tell you any more than XXXX.
10/20/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Can't repay my loan
  • Can't decrease my monthly payments
  • CA
  • 91502
Web
For almost a year, I have been filling our paperwork sending in information on getting an IBR payment plan. For the last 6 months, I either did not receive any notice of denial or when my denial came it was little things that they did not find in the previous applications. For instance, they denied my one application because my husband did not sign it ... but he actually did. However, they did not contact me until after the 30 day time frame so I had to resubmit. Then they denied it again because I checked an extra box, but they did not tell me that was the issue the first 3 times I submitted. After resubmitting the last time a month ago, I have not heard anything from them except to demand the loan in full. I have sent all my paperwork in over and over again and still they refuse to work with me and each person tells me something different. Even with a third party on the line trying to help ( XXXX XXXX XXXX ). At one point I asked them to verify the date they mailed off the letter I am defaulting on loans that I want to pay, just at a lower rate. Unfortunately, they made the process so tedious and difficult that it has made dealing with loan harder than it should be. Even after the letter demanding the full amount of the loan I get an email saying my forbearance is excepted. I honestly do not know what to do any more.
09/27/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • CA
  • 90746
Web
To be noted the issue has nothing to do with understanding lending practices therefore the reason the name of the university was not provided. XX/XX/XXXX I wrote to XXXX disputing the ACS account in my credit file. ACS did not respond within 30 days XXXX this was confirmed with XXXX on XX/XX/XXXX ) and their trade line was removed from my credit file. On XX/XX/XXXX I received a copy of my credit report without it being requested. I was received because 1. after 8 months ACS responded to the XXXX dispute and 2. as a result of my disputing the account via XXXX. To be noted : 1. ACS reported to XXXX the item was updated from our processing of your dispute in XX/XX/XXXX. I did not make a dispute with XXXX about ACS in XXXX XX/XX/XXXX, it was made inXX/XX/XXXX ( 8 months prior ). ; 2. ACS responded to the XX/XX/XXXX dispute 8 months later ( this was confirmed with XXXX at XXXX on XX/XX/XXXX ; 3. Prior to XXXX XXXX, ACS did not report to XXXX ; 4. There is no need for ACS to continue reporting, in XXXX I transferred the account to XXXX of which ACS continued to report after the account was transferred. I 've attached the XXXX XXXX XXXX, XXXX results summary supporting the trade line was deleted. I have my credit reports for XXXX and XXXX which also show the same and if needed I will scan them and provide.
09/08/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • KS
  • 66611
Web
I previously had a student loan serviced by ACS ; the loan went into default and was transferred to another servicer. I completed a loan rehabilitation program on XXXX/XXXX/XXXX and all derogatory information pertaining the payment history was supposed to be removed from my credit reports ; ACS is the only servicer still reporting negative payment history and they are refusing to remove that information. I spoke to ACS by phone on XXXX/XXXX/XXXX and was advised to send documentation via email verifying the loan has been rehabilitated and is in good standing ; I submitted all the requested documentation on the same day and was told I would receive a response within 3 business days- I have not received any communication. I filed a dispute with XXXX XXXX and XXXX & sent them supporting documentation. XXXX is still investigating the dispute, XXXX has failed to even acknowledge the dispute or open an investigation and XXXX has already completed the investigation and is refusing to remove the negative information because they say ACS validated the information. The loan was rehabilitated and is in good standing with the current servicer, the guarantor and the Department of Education. There is no reason why the negative information should still show up and I would like for it to be removed as it is detrimental to me.
01/29/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • MS
  • 38672
Web
As the result of frequent selling of the loans and changes in loan servicers, several of my student loans have unresolved inaccuracies on my credit reports. Please do not forward this to the Department of Education Ombudsman as they were not helpful on a previous complaint on this matter. Here are the details : 1. My XXXX account XXXX continues to inaccurately show as paid 60-days late without the requisite 30-days late payment notation the prior month ( see attached copies of credit report ). 2. My ACS/XXXX accounts XXXX XXXX, XXXX XXXX and XXXX XXXX continue to inaccurately show as paid 60-days late without the requisite 30-days past due notation the prior month. Also, data is missing for XXXX of the XXXX reporting months on the XXXX accounts casting serious doubt on the accuracy of the data ( see attached copies of credit report ). 3. My XXXX accounts XXXX, XXXX and XXXX continue to inaccurately show as paid 90-days late without the requisite XXXX and 60-days past due notations the prior months. Also, data is missing for XXXX of the XXXX reporting months on the XXXX accounts casting serious doubt on the accuracy of the data ( see attached copies of credit report ). 4. Finally, no data in many reporting months is negatively affecting my ratio of number of late payments to number of on-time payments.
05/23/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • KY
  • 42347
Web
Confirmed IBR application and amount to be deducted for XXXX loans prior to XXXX 2016 payment due dates. Despite IBR approval, ACS deducted the full regular amount for XXXX loan -- being almost {$400.00} more than authorized. ( Deducted {$540.00} despite IBR payment owed {$160.00} ) I called and was told it would take XXXX days to issue a refund. I complained and they said they would expedite the refund. The payment was automatically withdrawn from my bank account on XXXX XXXX. I was told they would expedite the refund on XXXX XXXX and mail -- not refund directly to bank as I requested -- a check, but it 's now XXXX XXXX and I still have not received my refund. They adjusted the payment records on my account, but the money has n't been refunded. They 're charging me interest on that loan but keeping my money. Also, they incorrectly reflected my IBR payment for that loan. Now my account has the incorrect amount listed as the IBR amount owed. It shows both accounts being the same payment, when the corrected amount authorized by IBR was a few dollars higher. I do n't want to get a bill at the end of the year for the overage due to their mistake, again. {$400.00} could mean rent, car payment, food, etc. They are keeping my money -- interest free -- for over a month despite admitting they took too much.
10/01/2015 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Received bad information about my loan
  • TX
  • 77006
Web
My complaint ( s ) :1. ) ACS has refused to answer the questions below. The questions are in response to XXXX XXXX XXXX statement to CFPB complaint # XXXX. Her response contradicts how delinquent items are to be reported under the FCRA. My questions : -Reporting the date of last delinquency ; does it start from the date the account first went into non payment status ( i.e. payments were to begin XXXX but a forbearance is added on XXXX account is 2 months delinquent ; does the date of first delinquency begin on the month after the first payment was due PRIOR to forbearance or does it begin at the end of the forbearance ... no payment was ever made before or after )? Considering no payments were made ; does a forbearance negate the original date of delinquency and cause it to start after the forbearance? 2. ) ACS did not address why it is reported differently on the XXXX credit agencies. ACS stated this account is not being reported on XXXX. It is ... see below. XXXX : ACS/XXXX / XXXX. XXXX : XXXX / C/O ACS. XXXX : ACS/XXXX. 3. ) ACS is telling me that I need to contact XXXX XXXX to resolve this issue. XXXX XXXX is no longer in business. All the numbers for XXXX XXXX ring back to ACS. ACS is telling me that they are not responsible for reporting because they no longer have the account.
11/07/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Received bad information about my loan
  • IL
  • 60531
Web
I have numerous XXXX loans that I consolidated years ago at XXXX. While working my government job, ( over 10 years not ) I found out that there was a program that repaid you federal loans. The requirements were 10 years gov't service, 120 on time payments, in good standing, and qualifying loans. So roughly around 9 years ago I called ACS to verify that my loan with them qualified. I was informed that yes it did. All I had to do was make sure I made the 120 payments. I am almost finished doing that and found out that there was a way to have PSLF program check the information on me and give me an exact date that they will be taking over the payments. I received a letter of their findings and was informed that my loan with ACS ( my XXXX loans ) in fact did n't qualify. I told them that there must be some kind of mistake because I called to check years ago to make sure they did qualify and was informed that they did. I was told by the people at PSLF program that I now need to transfer my loan to a direst loan and make 120 more on time payments to qualify for the program. I explained to them that I was already doing that, and was almost done. They told me that even though it was from the Dept. of Treasury, it was n't the right loan type. Even though I was already told it was, it did n't matter.
05/24/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Don't agree with the fees charged
  • IL
  • 60707
Web
I lost my long-term job on XX/XX/XXXX . I graduated from XXXX XXXX in XX/XX/XXXX . I had never missed a payment since I started with ACS on XX/XX/XXXX . I cont inued to try to stay off of forbearance and managed to pay my student loan until XX/XX/XXXX . My normal monthly payment is {$380.00}. I contract while I am interviewing for a full time job which I have not found yet. When I realized I could not meet the payment requirement in XX/XX/XXXX , I tried to request forbearance for 1 month only - but the paperwork took too long to arrive and they tried to withhold but were unable to. I still made my XX/XX/XXXX payment as soon as I could on XX/XX/XXXX and made my XX/XX/XXXX payment timely on XX/XX/XXXX . As of now I am current. I received an e-mail on XX/XX/XXXX informing me that on XX/XX/XXXX , they were now going to start withholding {$440.00}. I called requesting an explanation and they told me that there was only a 15-day grace period and they were raising my interest rate and payment amount for each month by {$54.00}. I had to apply for a reduction in loan amount for two years as I 'm worried about making the payments now with the increase. I 'm upset because I only made one late payment and am penalized permanently going forward.
08/20/2015 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • MD
  • 21201
Web
My private student lender sends me a bill with a due date. The bill due date is also on my on-line account, where I pay my bill. It says that it is the first of the month. It is for XXXX loans, each of {$1500.00}. I have paid the bills by the due date with on-line payment, and the money has left my bank account, however my payment is not credited until a week later, and I have been reported as late on my credit report, even though I paid the bill by the due date. It is a " campus based '' private loan. I called with a concern about what is the due date it was vague, pay before the due date. I asked for an actual due date and they could not provide one except for pay several business days before. I asked what means XXXX or XXXX, please be clear. With a credit card it is very clear when one pays on-line -- such as payments made before XXXX XXXX. EST will be posted to the account that day, payments made after XXXX XXXX will post the next day. Banks are also clear with how deposits are handled, such as deposits made after XXXX XXXX. will post the next day. I think it is misleading to send me a bill with a due date, but in reality there 's another due you need to pay by that they wo n't give you. I submitted this complaint before and the company response was to a completely different loan.
11/19/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Problem with customer service
  • CA
  • 94105
Web
My lXXXX school loan was serviced by ACS for four years and the website now directs me to login to Conduent, the new servicer. On XX/XX/XXXX, I received an email from ACS/ Conduent, which I attached below, indicating there would be no changes in how I login or make payments. However, I have been unable to login for weeks. The " new '' Conduent website recognizes my username and password but has been giving me an error message that the " service [ I ] just requested is unavailable '' so I am unable to login and make a payment on time. While Conduent seems to recognize my account ( because it recognizes my username and password AND when I tried to make a new account to see if that was the problem, it said my account already existed ), it also does not recognize my social security number and claims there is no account associated with that number. Conduent purchased my loan and is not allowing me to make a payment at all, let alone on time. I can not email them a question because it requires an account number, which they do not recognize, and I have been unable to reach an actual person on the phone ever since I first tried on XX/XX/XXXX and have called everyday since ( now XX/XX/XXXX ). I have seen numerous recent complaints about this online with people having the exact same problem.
08/21/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • AL
  • 35222
Web
I submitted my annual re-certification information for my income-based repayment plan several weeks ago. Two days after the plan was due, I received a letter in the mail letting me know it was rejected because I did n't submit my tax return ( which I did ) and I did n't submit the " eCertification '' form. The instructions never included a requirement for an eCertification form. I logged into my tax preparer website and could only locate a screenshot verifying that my tax return was submitted successfully. I called customer service and they are n't familiar with this form either. Since they will only correspond by mail, I am worried that I will submit this screenshot only to be rejected. Second, enclosed in the letter I received, are instructions for my spouse to login to the studentloan.gov page to authorize my IBR submission. No where in the original instructions was this requirement disclosed to me. I have done this for other servicers, but it is included in the instruction. I would have done this weeks ago had I known. However, I am not sure this is even a requirement because the instructions are vague and there is no mention of this in the letter. I asked customer service and they said for my husband to do this asap. He did, but the code they sent did n't work! So I am in limbo.
01/26/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • TX
  • 76063
Web
I graduated in XX/XX/XXXX with XXXX degree. Began paying on loans 6 months later when into repayment status. Entered school again in XX/XX/XXXX or XX/XX/XXXX..XXXX loans into deferment. Obtain more loans for XXXX school. Graduated in XX/XX/XXXX. Started repaying loans in XX/XX/XXXX. Have been in repayment status since then. Now it is XX/XX/XXXX. All of my loans still have basically the same principal balance if not more than started. I noticed this when my loans were sold from ACS education to XXXX. The loans were also listed in forbearance status and were not listed as repayment status until XX/XX/XXXX - which is incorrect! I have paid the whole time and never requested forbearance. I contacted ombudsman. Initial person could not get a response from ACS. My account was transferred to another person and they quickly closed the case and said the info on studentaid.gov was incorrect. I think my payments were incorrectly applied to my loan accounts. How can I have paid for over 10 years on a XXXX loan and now owe over XXXX?? Someone please please help me! AND my name is spelled incorrectly on the studentaid.gov. I 'm not even sure these are my correct loans or what has happened. All I know is after paying on loans for 12 years the principle should be lower then the dispersed amount.
07/04/2019 No
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • GA
  • 30092
Web
It has recently come to my attention that Fraud has been created under Title 12 United States Code 73 " Oath '' and that the alleged creditor has hypothecated for a loan. It has been found as a discovery for studying and applying laws that they know to be true, correct, and unrebutted by affidavits sent. CONDUENT EDUCATION SERVICES, XXXX under Title 28 Section 3002 ( 15 ) ( A ) e is a United States Corporation constructed in ALL CAPITAL Letters for which they are conducting business with an Ens Legis Artificial Person. The true Definition of a " Person '' is a Corporation. I am not an Infant as define by Internal Revenue Service Code 21.7.13.3.2.2 ( 2 ). If the matter is not resolved, under Title 12 United States Codes 83, and 582 I will conduct a lawsuit if they stay in dishonor. " Indeed, no more than ( affidavits ) is necessary to make the prima facie case. '' United States v. XXXX, XXXX XXXX, XXXX, XXXX ( XXXX Cir. XXXX ) ; XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ; XXXX XXXX XX/XX/XXXX. Supreme Case Law and the affidavits stand as truth, The Affidavit was sent onXX/XX/2019via certified mail no. XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX and received XX/XX/2019. The Default Judgment received via certified mail no. XXXX XXXX XXXX XXXX XXXX on XX/XX/2019. See Attachments :
01/23/2017 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • CO
  • 80238
Web
ACS Education Services manages one of my student loans. The loan originated with a balance of {$11000.00}. Per the ACS website, my payments began on XX/XX/XXXX. Over the course of the past 57 payments their website shows that they have applied {$5000.00} to principal. This would leave me with a balance of {$6000.00}. However, they show that my current balance is {$9000.00}. I have two complaints against ACS. The first being that they are using fraudulent accounting practices resulting in a substantially higher account balance than it should be. Secondly, I substantially increased the size of my payments for 10 months with the instruction that the additional amount should be applied to principal. Instead of applying the additional money to the principal they have applied it to future payments. They are now showing I am paid up through XX/XX/XXXX. My attempts to get them to correct this misapplication of the payment has been unsuccessful. They told me that I need to call them the day the payment is received. If I 'm too early they wo n't be able to see the payment and ca n't help me. If I 'm too late and the payment is already posted then it will be applied to future payments and they wo n't correct it. Can you please help me resolve this so that I can pay off my student loan debt?
10/25/2019 No
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • TX
  • 78634
Web
I have had several student loans that I have paid on consistently for several years ( almost 15 years ) other than the two years I was in XXXX XXXX. I kept wondering why my balance wasn't going down. I originally started with XXXX XXXX XXXX, those loans were then bought or sold to ACS, which I paid for several years. I even have income tax returns that show interest paid and claimed for those years, yet on the federal loan services database, it does not list them as a lender ever on my loans. What happened to the money I paid to them during that time? I've even had loan forgiveness of {$5000.00}. Have qualified for grant money from the state for {$5000.00}. I still can not fathom how I still owe {$19000.00}. I even paid extra on my loans for a long time, until I realized that doing that hurt me when it came to loan forgiveness programs. Please help. When I called XXXX XXXX to try to figure out what was going on, they actually told me I needed to contact the ombudsman office of the XXXX XXXX XXXX office. Please help, I am trying to figure out what happened to the money I paid to ACS. I have recently read several people that had similar problems with payments applied incorrectly. Now I've learned that the federal government cut ties with ACS and it was because of their practices.
03/23/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • NY
  • 14823
Web
This debt appears on my credit report by a third party lender. I initially requested to know who the loan originator was and denied that information. I have requested to have this information removed as the account has been added to my debt consolidation loan in XX/XX/2015. Once my loans were consolidated it should be a violation of my rights for them to continue to report it. I have contacted ACS/ XXXX/ Conduent regarding my student loan and I have disputed it with the credit reporting agencies ( XXXX, XXXX, and XXXX XXXX ) and the student loan companies are stating that the information is accurate and refuse to remove it from my account. ACS/ XXXX/ Conduent told me that they have no accounts associated with my social security number. When I have them dig deeper they find accounts that are closed, paid in full. However ; they still appear on my credit report as a negative. When contacted, they told me that even though they accepted full payment and closed the account, the missed payments continue to be negative on my account. XXXX XXXX has my student loans in debt consolidation and it shows in good standing on my credit report. What is the point of paying off any debt if you have ever missed a payment? Companies can do whatever they want to consumers and it's basically too bad.
12/02/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 23832
Web
my issue is with conduent. my original student loan was opened in XXXX. I have been going to school and all loans were deferred. i got ill with XXXX in XXXX XXXX and stopped going. 99 % of my loans were with XXXX and they contacted me about repayment. when i called them they told me how i needed to handle it. ACS apparently sold my loan to conduent. In XXXX XXXX i called the XXXX, XXXX and New york after discovering a late reporting on my credit bureau. Nobody could help me. The customer service associate said they only handle investment accounts. About two days after the phone calls I get a bill from Conduent. The bill was for a minimum payment of over {$300.00} and said i was already delinquent. I called conduent on XXXX XXXX, XXXX and was told to write in to emailsupport about Account XXXX. I told them this debt is being disputed because 1 ) i do n't know if its mine 2 ) i never got a bill. 3 ) according to one credit bureau this is still being deferred. They wrote back saying they are required to report accurate information. i re wrote sending a screen shot of my credit bureau and advising i never got a bill before now. they responded by calling me someone else name and still said they would not assist. My name is XXXX XXXX. the account # is XXXX with XXXX.
01/24/2017 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Need information about my balance/terms
  • OR
  • 97027
Web
I obtained XXXX separate private education loans from XXXX XXXX XX/XX/XXXX ( {$18000.00} ) ; XX/XX/XXXX ( {$20000.00} ) ; and XX/XX/XXXX ( {$11000.00} ). The Promissory Note for each loan indicates that the variable interest rate is calculated as the 3 Month LIBOR, plus a margin ranging from 1.70 % to 4.30 %, as " identified in my Disclosure Statement, '' adjusted quarterly. The Disclosure Statement is a separate document from the Promissory Notes, which do not state the amount of the margin applicable to my loans. My loans have been transferred to and are currently serviced by ACS Education Services. Despite multiple attempts, ACS is unwilling or unable to provide copies of the Disclosure Statements with respect to my loans and has indicated that they do not have copies of the original Disclosure Statements in their loan files. Written requests were made on XX/XX/XXXX, and again on XX/XX/XXXX. Multiple phone calls have also occurred in which ACS indicated it will request copies of the original Disclosure Statements from XXXX XXXX and forward them to me. Instead, ACS continuously resends copies of the Promissory Notes. Nonetheless, ACS is applying a 3.75 % margin rate to each of my loans without any documentation to support that this is the correct margin rate.
03/02/2018 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Need information about your loan balance or loan terms
  • UT
  • 84070
Web
I have been receiving phone calls from multiple numbers and none of them leaving voicemails. I finally decided to answer one and its someone on the other line telling me that I'm 100+ days overdue on my payment and if I would like to make a payment over the phone. I wasn't born yesterday obviously I started asking questions. They had confirmed that they are a collector on behalf of ACS and/or Conduent. I had told them I have never heard of them nor have I received mail of a payment due, late notice of payment, second notice of payment, or even a collection notice. I ended up calling my school about the first week of XX/XX/XXXX and left a message. Just today I got a hold of them and asked to see if they knew who ACS or Conduent is and my school confirmed they are indeed one of the lenders. So I called today and asked them to send me some sort of bill or payment notice or something. I was a student and am making better of life. To better my life and my family we moved out of state, but my mother-in-law lives at my previous residence. The USPS uses mail forwarding that I am currently using. So there is no excuse for me not to receive my mail. Apparently they have already messed up my credit. This is not right. I'm suppose to use telepathy to know who to pay my loan.
08/21/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92704
Web
I was attending XXXX XXXX XXXX and was granted a Student Loan with ACS Education Services in XXXX. At one point I was late on making a payment. This account with ACS Education Services was transferred, closed with a {$0.00} balance. This is how it 's reporting on my credit report. I 'm currently paying off this original student loan with XXXX and have never been late with payments. I contacted ACS Education Services in XXXX and XXXX and requested the negative remarks ( late payment ) to be removed from my credit report. I was told via secured email that the account will report accuratly and the negative remarks will be removed from credit report. However, this never happened. I filed a dispute with a credit agency, XXXX in XXXX of XXXX and provided a letter stating that I completed rehabilitation program for the student loan, currently making automatic payments to XXXX and never missed one payment in 2 years. I also provided email communication between ACS and myself stating that they will remove negative remarks from credit report. ACS replied to credit bureau, XXXX stating that the account is reporting correctly since I was late when I had the active account with them, even if my account with them is currently closed, transfered with a {$0.00} balance.
11/20/2018 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • SC
  • 29466
Web
In XXXX I received a FFEL Consolidated Loan through ACS and paid on that loan until XXXX. From XXXX through the present, I have worked as a public service employee. I was led to believe by ACS that my qualifying payments from XXXX onwards would be eligible for the Public Service Loan Forgiveness Program ( PLSF ). As a result, I believed that I had earned approximately 4 years ( loans were on forbearance at times ) worth of qualifying service towards PSLF. ACS NEVER informed me that my loan needed to be converted into a Direct Consolidated Loan. It wasn't until XXXX, when the government released their forms and clarified the requirements, that I learned that the FFEL consolidated loan that I had been paying on did not qualify. As a result, I applied and received a Direct Consolidation Loan. Like so many of the student loan borrowers, who were mislead about the program, I had to begin all over with repayments. Four years of service disqualified and four years of unnecessary payments all because ACS failed to inform their clients of necessary information!!! This is not fair to all of us past students who relied upon this loan servicer ( as well as others ) and are now having to continue with the burden of paying off our debt much longer than expected.
10/20/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Need information about your loan balance or loan terms
  • KS
  • 66207
Web
For at least XXXX weeks, I have been unable to access my account. I have attempted to log in to my online account on several devices using different browsers, tried resetting password, and spent several hours on the phone trying to contact a service representative. I am concerned that I will not be able to make my next loan payment on time, because I am unable to access my account information. The problem has persisted for several weeks, but I only started tracking my contact attempts this week. Here is the list of the last few days. Login Attempt XXXX/XXXX/XXXX XXXX Service unavailable message Call ( XXXX ) XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Phone menu ; information not found Call ( XXXX ) XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX On hold for XXXX ; never XXXX through. XXXX XXXX XXXX/XXXX/XXXX XXXX - XXXX unavailable message Call ( XXXX ) XXXX XXXX/XXXX/XXXX XXXX XXXX Received busy signal. Login Attempt XXXX/XXXX/XXXX XXXX - Service unavailable message Call ( XXXX ) XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Phone menu ; XXXX & XXXX not found The message I receive online is, " We are sorry, the service you have requested is temporarily unavailable. Please try again later. '' This is not a wrong password ; I get a different message if the password is wrong.
10/13/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Don't agree with fees charged
  • CA
  • 92110
Web
The loan company that I consolidated my federal loans with refuses to lower my interest rate by 2 % as was agreed upon despite years worth of on time payments. I consolidated my loans in XXXX. Under the agreement, I was to receive a 2 % drop in interest rate once I paid XXXX payments on time. I called them when it was time for the interest rate to drop and they stated XXXX payment was late. A mistake had occurred because of a federal holiday falling on the day that the payment should have gone through from my bank automatically. They cleared it up with the bank and stated they now counted the payment as on time. In order to further avoid this mistake, I backed up the payment date so that I paid early every month. They now state that because my payments came too early, they were not " on time '' and refuse to lower the interest rate. Then my employer paid lump sums and they sent me something saying I could count that as years worth of payments and was paid ahead, but again, because I did n't make XXXX payments within the time period, they state they do not have to lower the interest rate. Overall, the interest rate should have been lowered 2 % in XXXX and I should receive credit for the difference of interest I have paid since then. Please help!!!
03/09/2022 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • MI
  • 49837
Web
In XXXX, I inquired with my lender ( ACS ) at the time regarding public service loan forgiveness. I was told I wasnt eligible because my wife and I earned too much and the balance of my loans would be paid off in 10 years with the income driven repayment amount. I then proceeded as of XXXX would never be an option for me. I continued to go to school part time while working from around XXXX XXXX. Because I was given advice that I was not eligible for XXXX, my loans were placed in deferment and forebearance while I was a XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ) I have periodically continued to make payments on my loans despite them being in deferment or forebearance. Note under the XXXX, none of those payments count because payments while in deferment/ forebearance dont count. All because I was told inaccurate information by my loan servicer at the time. I tried doing the responsible thing by keeping my balance lower while in school and none of those payments count! Additionally, I was a student at XXXX university pursuing my masters in educational administration. I was told those credits would transfer and they never did. I subsequently had to retake several classes when I moved across state lines!
03/20/2019 Yes
  • Student loan
  • Private student loan
  • Struggling to repay your loan
  • Can't get other flexible options for repaying your loan
  • MA
  • 02035
Web
I am filing a formal complaint against a previous loan servicer, Conduent Education ( formerly ACS ), a company that acquired my Federal student loan in the late XXXX 's, early XXXX 's from XXXX XXXX ( I believe ). During my borrowing period, I feel I was subjected to ACS ' arbitrary and rampant fees, predatory lending practices and massive interest rate hikes. I had to defer my loan on a few occasions as I could not afford payments at the time. I continue to struggle today, as I've been repaying my school loans for 10+ years, and have another 19 years to go, as I've refinanced my loan to another servicer that is reputable. I also know that ACS was involved in several lawsuits due to bad lending practices, during the time I was a borrower of their services. I am living pay check to paycheck as my loan repayment has reached {$560.00} per month, trying to support a family of 5 along the way. I've tried to acquire my loan payment history with Conduent ( formerly ACS ), but I am experiencing tremendous road blocks as they won't publish a direct customer care phone number on the web, nor will the online account system recognize my registered account username or password. I am really tired and frustrated of their business practices.
12/22/2016 No
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Having problems with customer service
  • CA
  • 92887
Web
I have an institutional student loan serviced by ACS Education ( http : //www.acs-education.com/ ). As of a week ago, I began receiving emails at different time points regarding temporary verification codes after the implementation of two-step verification. Of note, I have n't tried logging in in the last week. I emailed ACS 's customer service email through their website and have not received a response. I called customer service right now and am told that these emails are automatically generated, are normal, and that there is nothing to worry about. To test this, I tried to log in with an incorrect password and no email was generated. I logged in with my correct password and the verification code was sent. I have since changed my password. This is not consistent with what their representative told me, so the representative was either dishonest or did not know better, both of which are responsibilities of the company. I think that ACS has not been forthright and an agent other than myself has been logging into my account without me knowing. I would like to know what, if any, information was compromised, and if the recent changes in implementing 2-step authentication were prompted by known activities beforehand.
03/15/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Having problems with customer service
  • CA
  • 90732
Web
Hello, I repaid the full balance of my consolidated federal student loan to Acs/XXXX XX/XX/2016. I have my original loan note, proof of payoff, congratulatory letter of repayment and proof of interest schedule showing I paid off my loan completely. However after many calls to ACS has not updated showing the loan as paid in full. Actually there are erroneous notes applied to my credit report saying that ACS filed with the federal government to have the insured amount of the loan repaid by the federal government to ACS. However I paid my loan in full. I believe it is fraudulent of acs/and XXXX to try and collect money from the federal government when I paid off the full balance ACS reported my loan as Negative/closed. However they need to change their notes to Paid in full /and closed on my credit report. The information on all credit reporting agencies have remained incorrect for over 12 months. My credit continues to suffer because they have not reported the paid in full status properly on my credit reports. Although I had been late on my loan prior, due to the lender not working with me on a payment structure, and divorce, I refinanced my home to pay off the full debt I owed ACS/XXXX including all interest owed.
06/08/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • GA
  • 30044
Web
My loan is serviced by ACS. XXXX will make three years in a row they have determined my income based repayment plan amount incorrectly. I am married filling jointly for my tax returns and my spouse has federal student loans. My spouse 's loans should be considered when determining my repayment amount for the year. ACS refuses to include my spouses loans in their initial determination. I have included my wife 's information on the IBR annual recalculation request. I have approved ACS to access her loan 's on the NSLDS website. But the initial recalculation is still incorrect. So I have had to resubmit the exact same application that I submitted initially. ACS will then do their job correctly and include my wife 's loan amount in their calculations. In XXXX an ACS agent # XXXX told me to pay my XXXX payment of {$43.00} for XXXX until ACS could correctly determine my loan payment for XXXX. In XXXX I receive an invoice for my new loan payment of {$62.00} plus a late payment fee of {$150.00}. ACS is threatening to add negative information to my credit report if I do n't pay the late fee. The only reason they received an insufficient payment is because of their own ineptitude. Is there anyway to switch loan providers?
06/10/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 12866
Web
I XXXX XXXX file this complaint against ACS Education Services as I have tried on several occasions to amend a wrongful credit reporting process that is 100 % untruthful. My student loans were in deferment until XXXX XXXX . At no time was I in a payment plan until XXXX . Howeve r, ACS re ports my payment history as follows during deferment : XXXX XXXX 60 DAYS LATE NEVER A 30 DAY LATE XXXX XXXX 60 DAYS LATE NEVER A 30 DAY LATE XXXX XXXX 60 DAYS LATE NEVER A 30 DAY LATE XXXX XXXX 60 DAYS LATE NEVER A 30 DAY LATE XXXX XXXX 90 DAYS LATE XXXX XXXX XXXX 120 DAYS LATE These late payments are highly destructive to my credit reports, even though my payment history has been perfect since I took the loan out of deferment. ACS Education Services has to clean up these wrongful credit reports, and remove all past payment history up to XXXX XXXX . This is a national problem collection agencies have with privatized student loan reporting, and the CFPB should support the recent investigations by the Federal Trade Commission to take sanctions and levy fines for Fair Debt Collection Practices Act and Fair Credit Reporting Act violations against companies such as ACS Education Services.
04/25/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • CT
  • 06010
Web
On XXXX XXXX , XXXX received a check from my mother for a total of {$22000.00} which we were to understand was the payoff for my student loan. They cashed the check and issued a refund for that amount which I was told was forwarde d to ACS Education, which is the bank that is servicing my loan. After speaking with them several times, they reported that they sent the payme nt to ACS on XXXX XXXX , 2017 . S ince, ACS has no t posted the payment. They said it could take up to 60 business days for the amount to post. It still has not posted. I have been in contact with them multiple times both before the 60 business days were up and after. After the 60 business days, I asked a customer service representative if they could contact XXXX to locate the money, however, they told me the best thing to do would be to email a copy of the canceled check to them at XXXX XXXX XXXX . I did thi s and despite a form email back stating it would take 2-3 business days for a response, it took 5 business days to get the acknowledgement that they received the copy of the check and state it will still be another 7-10 business days to research. In the meantime, my loan continues to accrue interest.
03/16/2019 No
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Problem with customer service
  • CA
  • 95628
Web Older American
I refinanced my student loan with ACS ( now Conduent ) in XX/XX/XXXX. I have been making payments of {$350.00} ( amount due each month {$300.00} ). Normally I get a 1098-e notification in XXXX. I didn't this year. This week I tried to prepare my taxes. I went to the website where I found out the name change. I was able to login on XX/XX/XXXX but when I tried to access any information about my loan amounts it was empty. When I tried to find a 1098-e to download it didn't have one. I left a request for customer service. I didn't hear anything either by phone or my email. On XX/XX/XXXX I searched for customer service phone numbers because they aren't on the website. When I called all 3 published numbers available on the web, they were disconnected. When I tried to login on the website their message was that they no longer service my loan. I have received no information about a transfer of my loan. As the permission I gave to the company to deduct my payment is no longer valid, I have stopped payment for future payments with my bank. I don't want to be arrears for my loan which could easily be solved if I knew who my current loan owner is. I also really need the 1098-e form for my taxes.
11/08/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30321
Web
The following unverified items/ Account listed below still remain on my credit report in violation of Federal Law. Under the FCRA creditor is suppost to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. On XX/XX/2014 I was victim of identity theft, in the event I filed a Police Report : Personal Vehicle Auto Theft! Creditors Must provide me a I demand the following accounts be verified or deleted immediately. Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXXXXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXXXXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX Unverified Account XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account.
08/09/2019 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Problem with customer service
  • IA
  • 50158
Web
Between XXXX of XXXX and XXXX of XXXX, I was repeatedly given wrong information, and misled about the status of my account. I tried repeatedly to apply for economic hardship deferments, forbearances and income-based repayment plans, but was constantly denied. The reasons for denial were ridiculous. For example, they would claim that I didn't include information that I most definitely DID include as requested. Other times I was told I wasn't eligible, or that my request " was not an option for me ''. Actual people told me those things even though I was eligible. They lied. All this time, they very inconsistently reported information to the credit bureaus regarding the status of the account, which became delinquent ( according to them ) as I tried in vain to seek relief! Some months they reported, others they did not. Even when they did grant me a deferment for a few months, they still reported my account as delinquent to the credit bureaus. After my account was transferred to another loan servicer, I requested that the closed account be deleted from my credit report at all the credit bureaus. They have repeatedly denied this request, even though the payment history is grossly incorrect.
06/21/2019 Yes
  • Debt collection
  • Federal student loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 45885
Web
I ordered my credit reports in XXXX and notices that " ACS-Dept of Ed '' was on there for an amount of {$9700.00} for a " XXXX XXXX '' NOT OWED to ACS. There is no reporting payment history/info, the account number is my SSN # and the status says pays as agreed. There is no date of last payment, payment amount, nothing! I verified with the Department of Education that this is fraudulent because they hold my loans ... all consolidated ... .all on repayment plans and in good standing. ACS is committing fraud and trying to collect money. I know this is fraudulent reporting by ACS and I have disputed it with XXXX because of the other fraudulent accounts ACS is trying to collect money on under different business names. I found accounts with ACS 's address : XXXX XXXX, XXXX, NY XXXX on my reports and they numbers are disconnected. I saw today the lawsuit settlement from New York against ACS this year for fraudulent operations on student loans. ACS is reporting debt amounts NOT owed to them and trying to collect on multiple credit reports under different business names but with their address and disconnected numbers. I want this account reported to XXXX to be REMOVED as it is fraudulent.
05/01/2017 Yes
  • Student loan
  • Private student loan
  • Struggling to repay your loan
  • Can't get other flexible options for repaying your loan
  • NJ
  • 07030
Web
I currently have both federal and private student loans that are serviced by ACS. I became XXXX in XXXX XXXX and have been on Social Security XXXX since then. As a result, my income has been drastically reduced. For my federal loans, I was eligible for an Income-Based Repayment plan and currently pay approximately $ 15/month. F or my private loans, I was told that I could have up to two 6-month deferments, but no other options are available from my lender. I am currently in the second 6-month deferment, which will end XXXX XXXX , XXXX . Starting in XXXX , I will owe approximately $ XXXX /month on these private loans. I can not afford to pay that much per month. I just spoke with a representative from ACS as well as a supervisor. They confirmed that I can either pay the full amount or go into default. If I go into default, I ruin my excellent credit rating and the lender does n't receive any payments. I also requested a way to contact the lender directly and was told that I could not. I have no idea what to do next and just want to work out a repayment plan with the lender that I can afford. I would think that they would rather get a reduced amount than nothing at all.
09/29/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Need information about my balance/terms
  • NJ
  • 07801
Web
My student loan company, ACS Education Services, has given me a choice : I can receive monthly statements about my account, or I can enroll in an auto-pay program that results in a 0.25 % interest rate reduction. Obviously I want to reduce my loans as much as possible, and auto-pay is a great way to avoid missing a payment. So I took that option. However, without a monthly statement, I can not easily see how I am doing on this loan from month to month. For instance, I can not tell exactly how much I am paying in interest each month. There are " informational '' webpages I can access, which seem to provide a snapshot of the loan at that particular moment, but those webpages do not provide a monthly status report the way a statement does. Nor can I keep records of my ACS statements, as I do with my loans from another servicer. My question is : Is it appropriate and legal for ACS to refuse to provide monthly statements to borrowers unless we agree to forego the lower interest rates and auto-pay? Should n't they be required to provide monthly statements to everyone? It does not seem fair to force borrowers to effectively pay more, and lose auto-pay, just to have a monthly statement.
06/01/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Having problems with customer service
  • OH
  • 43017
Web
At the beginning of XXXX 2016 I received a letter from ACS regarding an error on my student loan payments advising of monies being applied to the principal based on this error. The document outlined that we may incur an additional tax liability due to the error. The good news is that ACS advised they would assist in determining the tax liability and pay for any additional money owed due to the tax liability. I have contacted ACS on the following dates and have been provided the same information that a Tax preparer will contact me in XXXX 3 days. During these calls they could not provide any additional information as to why the error has occurred but that the XXXX XXXX would be able to assist. XXXX XXXX ( did n't write down the name of the person ) XXXX XXXX ( did n't write down the name of the person ) XXXX XXXX ( spoke with XXXX ) XXXX XXXX ( spoke with XXXX ) I have yet to hear from a tax preparer despite my multiple calls and escalations requests. Our goal is to resolve the situation so that the additional tax liability can be paid ; however, ACS is not taking the outlined steps to help resolve this matter. Thank you for your assistance in resolving our issue with ACS.
12/16/2019 No
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Problem with customer service
  • NY
  • 12401
Web
I have received a settlement check from Conduent Education for XXXX $ because of faulty loan practices. This came to my old address and my mother in law did not give me this until maybe XX/XX/XXXX. They used the wrong last name as XXXX XXXX on the check as I never changed my name when I had gotten married, my last name has always been XXXX. I have asked for a replacement check and gave them a copy of my drivers license. I have been told various dates which have come and gone and still have no check. At first the said XX/XX/XXXX but on XX/XX/XXXX I had gotten this email. Good morning XXXX, XXXX The replacement check was scheduled to be mailed by Friday last week at the latest. Please allow 3 5 business days to receive the check. Sincerely, XXXX XXXX Account Executive Conduent Education CONDUENT XXXX, NY XXXX I havent received any other information since after multiple emails. Since Conduent Education no longer does student loans none of the phone numbers work. I am concerned because the last date the first check gave as an expiration was XX/XX/XXXX so I am wondering if the new check will be the same and if I will get it on time. Thank you XXXX XXXX
07/31/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • NE
  • 68003
Web
I mailed a payment in XX/XX/XXXX for {$110.00} that was cashed by ACS on XX/XX/XXXX but apparently was never applied to my account. So in XX/XX/XXXX when I received the statement showing past due I contacted them. That was XX/XX/XXXX, the gentleman that I spoke to said to send a copy of the cashed check to them, which I did on XX/XX/XXXX ( I sent copies of both the XX/XX/XXXX payment and the XX/XX/XXXX payment both for the amounts of {$110.00} ). I received the XX/XX/XXXX bill today and it is still showing past due so I called them and they still have not processed the payment from XX/XX/XXXX to credit it to my account. There are late fees on my statement both for the month of XX/XX/XXXX and XX/XX/XXXX. They will not let me speak to a supervisor or correct their error for me. The best they can tell me is to check back at the end of the week to see if the situation has been fixed. Meanwhile this negatively affects my credit and I am paying more interest than I should be since the amount applied to the late fees should have been applied to my principal thereby reducing what I owe and what the interest would be each month.
04/14/2020 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Problem with customer service
  • NJ
  • 07853
Web Older American
We had loans originated through XXXX ( XXXX XXXX XXXX XXXX ) in XXXX & XXXX. They were transferred to ACS Education Services, and were subsequently transferred to XXXX XXXX XXXX. During the transition period, we were making payments to ACS. ACS stopped answering the phone, and their website no longer works ( which is not much of a change when they were in business ). Our loans are now serviced by XXXX, and from XXXX to ACS to XXXX we have been making regular monthly payments on the same loan through multiple servicers, and at one point had to make payments to both XXXX and ACS, ACS was supposed to send a refund, they did very late, and we have recently found the checks they sent us. They don't answer the phone, the website tells us to speak to our current servicer ( not their issue ), the bank won't take the checks for deposit, and letters written to their address ( XXXX XXXX XXXXXXXX, XXXX, NY XXXX ) are not responded to. I would like the checks reissued, and I would like a final statement of payments, credits for interest and principal, and a starting and final balance for the times they were servicing our account.
10/16/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Received bad information about my loan
  • TX
  • 75240
Web
I have XXXX loans that are currently serviced by ACS ( at total nightmare ). Those XXXX loans are the only loans that I have that I simply can do nothing with. ACS is claiming that my loans were defaulted because they were past due 270 days. No one contacted me or sent any information of such. I have worked with XXXX and worked out a loan consolidation in which I could not even include the XXXX ACS loans. Furthermore, ACS claims that the loans are " permanently uninsured '' in which they have been reporting to the credit bureaus for over a year and it is having a major affect on my credit. On the National Student Loan Database, the loans are showing temporarily uninsured in which ACS is claiming that XXXX ( guarantor ) has not updated the system correctly. I spoke with a representative at XXXX and she advised that my loans were showing a " temporary uninsured '' status since 2015 and was unsure as to why ACS is claiming it is permanently uninsured since the information would be coming directly from XXXX. Also, if my loans are in a " permanently uninsured '' status, ACS should not be reporting to the credit bureau.
08/23/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MS
  • 39209
Web Servicemember
Even though XXXX XXXX and XXXX deleted all of the unnecessary info. XXXX is still reporting a lot of wrong information, and On top of that I sent a police report to them of the identity theft done to me with student loans and they are still claiming that they are mine. Along with other relevant proof to show that the military paid for my entire schooling. And of course the necessary Identification materials. Which hasnt sent multiple times already.Even so all of the accounts that are negative are showing paid and closed And should be taken off anyway for my understanding. Again they are showing wrong/incomplete account numbers and wrong information all together however again I say it isnt relevant Because I sent a police report detailing the multitude of loans used under my name without my permission. Other companies to become included on this complaint are : 1 ) every one that just has finance as the company name and they are three 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX 5 ) XXXX XXXX XXXX ( XXXX XXXX ) 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX 9 ) XXXX XXXX XXXX XXXX ( coduent )
08/11/2016 Yes
  • Debt collection
  • Non-federal student loan
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • TN
  • 38138
Web
I have a student loan that was cosigned by my grandfather. XXXX XXXX on XXXX XXXX, 2015 apparently was attempting to contact one of us reference this loan. The person representing this company left the following voicemail on my parents phone : " Hi this message is intended for XXXX XXXX XXXX or XXXX XXXX XXXX. If you are not XXXX XXXX XXXX XXXX XXXX please hang up. This is XXXX calling from XXXX XXXX. Communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. I need a return phone call back today. My number is XXXX. Refer to file number XXXX. '' Someone from XXXX XXXX had spoken to my grandfather around XX/XX/XXXX. Apparently the company did not like the information my grandfather gave them so they continue to call looking for me. My complaint is does n't the voice mail violate the FDCP Act? It is my understanding that according to the act they can communicate with a third party by advising who they are and obtain location information. It is also my understanding they ca n't advise they are a debt collector and that I owe a debt.
12/30/2016 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't decrease my monthly payments
  • NH
  • 03060
Web
I have a private student loan with ACS 9 % interest rate since 2007 I pay XXXX a month and the payments only go towards interest which I cant even afford but I cant destroy my credit at this point in my life. I was on a reduced payment plan for years paying XXXX which ballooned my loan and now I owe XXXX which is more than I even borrowed. ACS no longer allows reduced payment plans because of the ballooning issue is caused so now I have no other option besides pay the XXXX to maintain good credit and XXXX come off the principle balance. There needs to be a way for people to pay their loans back in an affordable fashion without it causing more financial hardship in the long run. These private student loan companies need more regulation on what can and cant be done to borrowers. re financing is very difficult for private loans because the other options available are not much better- they offer less years on the loans causing the monthly payment to only increase which is not doable. I have paid XXXX toward this loan since 2007 and none of that has come off the principle which I find to be very illegal.
12/07/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • TX
  • 76209
Web
I have student loans with XXXX, XXXX, and ACS. With XXXX and XXXX, I file paperwork once a year to enroll in income-based repayment ( IBR ), and my enrollment is good for one year. This is how IBR is supposed to work : yearly enrollment. However, with ACS, I have repeatedly had to enroll in IBR multiple times per year. Every year for several years now, I have enrolled in IBR with ACS, only to be knocked out of IBR, and then I again must submit paperwork to ACS to re-enroll in IBR. This is time consuming and results in being placed in the standard repayment plan, which means that until I again enroll in IBR I risk defaulting on my loan if I do not make full payments. Plus, as far as I know, ACS only accepts IBR enrollment through mail or fax and can take several weeks to process the paperwork, whereas XXXX and XXXX accept enrollment in IBR online and through e-mail and process documents much faster. I am tired of dealing with enrolling in IBR with ACS multiple times per year every year. This practice should not be allowed and increases the likelihood that loan holders will default on their loans.
10/15/2015 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • AL
  • 36064
Web
I spoke to a collection agent for ACS on XXXX XXXX. I informed the agent that I could my make my payments at their current amount. He informed me that, due to using 6 months forbearance in this calendar year XXXX it started in XXXX of XXXX, but they have my application date as XXXX XXXX ) I was ineligible. I asked if there were any hardship programs or reduced payments available. He put me on hold, came back a few minutes later, and said that they could apply forebearance to my account, starting now and running through XXXX XXXX. He went took more personal information and went through scripting asking if I still intended to repay the debt at the end of forebearance. I answered in the affirmative and he assured me the matter was resolved. I received a call again today, XXXX XXXX, telling me my account was still past due, and that I was ineligible for forbearance of any kind. The agent told me that a supervisor had spoken to me last time, and that she was sorry for his mistake. I thanked her for her help, but informed her of my dissatisfaction and told her I intended to file a formal complaint.
08/18/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • HI
  • 96704
Web Servicemember
On XX/XX/18, I made a call to ACS or Conduent ustomer service about my student loan trade line item on my credit report from XXXX. It is being reported as 120 days past due. However, the student loan was transferred to another office, called XXXX, and is being reported as current. Both of these are showing on my credit report. I explained to customer service that their reporting is misrepresenting my credit profile as non-current when, in fact, it is current and in good standing. Customer service says that it was in default at the time it was reported. At that, I was contacted by another office who was willing to help me out of default through loan rehabilitation. When I finished that program, my loan was transferred to XXXX of which payments are in good standing. There should only be a single line item for my student loan, which is XXXX. ACS will not remove their derogatory information upon my request. I have reached out to XXXX via a credit dispute and they informed me that to contact ACS. My dispute to XXXX was that I have duplicate accounts on my credit report which is my student loan.
10/05/2015 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Received bad information about my loan
  • WA
  • 98258
Web
I have tried to work with my current student loan over a couple of years to receive contact information the the bank that holds my loan or to understand why I can not receive that information. I have not been receiving statements or information about my loan for several years & my student loan company has not providing me information. I recently reached out ( again ) to the company to understand more about my loan & my current interest rate. It took 2 months of run around to even get access to my account and when I did, I was shocked to discover it was XXXX points higher than I believed. I have asked to receive information about the interest rate or contact information for the bank that holds the loan. I was told I could n't not have it. ACS, as the servicer of the loan, could not make any changes, and did not have any information or contact to discuss the loan with the holding bank. I was repeatedly told I would just have to " find another bank. '' I do not understand why I can not speak to my current bank about my loan and potential changes, before seeking out another bank or refinancing!
08/04/2019 Yes
  • Debt collection
  • Federal student loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • IL
  • 60657
Web
Hello, I had to choose incorrect previous options because there was no option that fit my situation. I had a student loan through the University of XXXX, XXXX that is currently being serviced by Conduent Education. If you see the attached picture, their website is down as of today, XX/XX/XXXX. It has also been down frequently over the past month. I'm attempting to pay my loan which garners interest daily, however am unable to even get to their website. I do not have a contact number for their company or current paper statements, as I was urged by the company directly to go paperless for my statements. Since their website is down, I can't get into contact with the company at all, unless I use a third party, privately owned, social media platform, and hope they can fix my problem instantly. However, most people in America are not on XXXX. Or, I could alternatively gamble on a random number I find online, and hope that providing my private account information to a potentially fake company wouldn't happen. Every day I can not pay my current balance, I garner additional, daily interest.
09/06/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Can't repay my loan
  • Can't decrease my monthly payments
  • IN
  • 46202
Web
In XXXX or XXXX, myself and my now ex-husband consolidated our student loans. As of today this consolidation program no longer exist yet I am stuck in it. He and I are no longer married and I have made several attempts to lower my payments since I am currently in school but I am unable to get an affordable payment without my ex husband meeting the same criteria. This is a conflict because not only am I locked into a program that no longer exist, I also have " no contact '' with my ex husband. All I want to do is make a payment that I can afford and not be penalized in the process. I have no knowledge of my ex husband financial situations. I just wish there was something that I could do on my own, to pay off and resolve this matter. We are both children of deceased veterans, I have worked for a non profit organization for 7 years, I am a single mother, and I am currently a XXXX XXXX student. I just want to do good but the payments are just way more than I can afford to pay. There has to be some other options to those that have entered a consolidation program that no longer exist.
07/05/2020 Yes
  • Student loan
  • Federal student loan servicing
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30324
Web
ACS is reporting false information to the credit bureaus. This is my final notice. You have 14 days to remove this item from reporting or I will file a complaint with the Department of Education and File a lawsuit against ACS. This stops now. My loans went into Forbearance from XX/XX/XXXX until XX/XX/XXXX. All my loans were refinanced and consolidated in XX/XX/XXXX. You are reporting late payments for periods were a forbearance was given. You have even supplied documentation establishing my claim that this loan was never late. The loans were either in different or forbearance. While the loans were in forbearance your company continued to sell the loan from one company to another creating misinformation and data errors. I am not responsible for you bad management. This loan was never late. Either update the credit file to show that this loan was in either multiple def-ferments or forbearance or remove it from reporting. I will not ask again. You are violating my rights under the FCRA and you are violating the reporting agreement between servicers and the Department of Education.
07/13/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • CO
  • 80920
Web Servicemember
On XX/XX/XXXX I contacted ACS Education Loan Services to inquire about the payment history on my account. I consolidated my federal student loans back in XX/XX/XXXX for a fixed 6.625 % Interest Rate. The original loan amount was {$38000.00}. I have faithfully made payments of {$330.00} a month since then. Automatically pulled from my bank account every month. That is {$4000.00} a year I have paid on my student loans. 10 years later the outstanding balance on my loan is {$33000.00}. So I have only paid {$4800.00} on my principal balance in 10 years. How is that possible?! I looked at my payment history and noticed that the payments applied to principal and interest every month varies. Consistently, over 50 % of my payments and in some cases even more than that ( 2/3 of my monthly payment ) is applied to interest each month. Is that normal? Still trying to understand, I asked if they could forward to me an amortization schedule and was told that they could not do that. At this rate, I would n't even be able to payoff my student loan with a 30 year loan term. Does n't seem right!
11/17/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Having problems with customer service
  • VA
  • 23234
Web
I have been trying to get my loan that is currently consolidated with ACS-Education Services to be transferred over to XXXX which is the student loan forgiveness program through the government. They will not release my information to the company, I have made many attempts. I have even made a complaint to the XXXX Group who is still trying to retrieve information from them with no success. They keep raising my IBR payments when I submit my paperwork or they lose it and say that I have n't sent it in. I have really had a hard time with this company for some years now and it seems that I 'm not the only XXXX. I am in a waiting period to see if the Ombudsman group can find out whats going on. In the meantime my information is not being put in the system correctly when XXXX has tried to retrieve the loan or they keep changing my status. I have been billed for this month on the XXXX but for everything that I have been through I feel that I have to refuse to pay until they release my loan to XXXX. I 'm on here because I do n't want ACS to mess up my credit while going through this.
04/26/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30228
Web
Conduent, formerly ACS, was a servicer on one of my student loans. When I consolidated my loans with the Dept. of Education, ACS was paid in full. However, they reported that they were not paid and were attempting to collect the debt through collection attempts. When I contacted the Dept. of Education, they informed me that ACS was paid in full and should not have attempted to collect the debt and needed to correct my credit reports. Then I contacted the Ombudsman Dept. who also stated that the loan was paid in full in XXXX of 2014. Although the Dept. of Education showed that the loan was paid in full, ACS refuses to correct my credit report ( late payments, delinquencies ) and it is impacting my credit. I have attempted to resolve this issue with them on multiple occasions without any success. Even though the Dept. of Education and the Ombudsman Dept. informed them that they were paid in full, they still refuse to remove the credit inaccuracies. I need assistance with this matter as I am attempting to purchase a home and it is impacting the lender 's decision. Thank you.
07/10/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Don't agree with the fees charged
  • MD
  • 20854
Web
XXXX University previously reported an inaccurate separation date for an {$11000.00} perkin 's loan that is set to be out of the grace period within the next few months. The separation date they assigned was 2 years into the future ( XX/XX/XXXX ). After changing my separation date, they had changed it to XX/XX/XXXX. I was still in school for majority of XX/XX/XXXX, and have on record a graduation date of XX/XX/XXXX. The school as well as ACS Education have not been understanding in this, as assigning a separation date while I am still attending school means that one month of my 9 month grace period is one where I am still enrolled in school. With the amount of the loan, the inaccurate reporting of my separation date ( which I just found out a month ago ) and this assignment of a separation date before I have graduated, seems unethical and not following the standards set by NASFAA. I know I am not the only one experiencing this and I really hope I can find someone to help me through this. A grace period ought to be a period of grace for a student loan borrower.
02/01/2017 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • PA
  • 19138
Web
I have been out of school since XXXX XXXX and I have been paying my student loans since. My original loan amount was {$31000.00}. Even though I make my payments on time every month and I send them additional money specifically asking them to apply it to the principal my balance has only gone down to {$29000.00}. There is no way that this should be the case. When I asked them how this is possible and why they were n't applying my extra payments to the principal ( they are putting it toward interest ) like I asked they stated that the account accumulates interest daily. So no matter what I ask them to do, it 's always going to go to interest. How is the loan ever going to get paid off if that is the case? Furthermore, no one ever explained that to me because I would n't have agreed to that. On XXXX/XXXX/XXXX for instance, I sent them a check for {$500.00} which was for principal only and they applied {$150.00} of it to interest. The customer service reps are n't helpful at all. In over 10yrs I 've barely made a dent in this loan and something is wrong with that.
06/12/2018 Yes
  • Student loan
  • Federal student loan servicing
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 34737
Web
All my Federal student loans were officially discharged last year, due to XXXX XXXX XXXX XXXX. My student loan servicer ACS/Conduent reported to the credit agencies, I filed for Chapter XXXX bankruptcy. I subscribe to credit monitoring, which alerted me to the changes in my credit. I immediately disputed the information, as I have never filed for any bankruptcy. A few weeks later, ACS confirmed with the credit agencies I had indeed filed for bankruptcy. I put in another dispute today, but the credit agencies say my ACS can just confirm the information is correct and start the cycle over. I have spoken with Conduent today, twice. The first woman wanted me to send in my credit report to them for them to do anything. The second woman gave me an email address to send in my information and complaint, while I wait 48 to 72 hours for a supervisor to contact me. I wasted over three hours of my time today on the phone, trying to get this resolved. In the mean time, my credit score continues to plummet, due to their error and this company is servicing Federal loans.
07/20/2017 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Don't agree with the fees charged
  • FL
  • 33647
Web
In 2006 I signed my student loan promissary note with a company by the name of XXXX XXXX XXXX. Keep in mind i was XXXX at the time and unaware of laws or regulations. After I signed the promissary note I was sent my truth and lending disclosure. Nothing in my promissary note stated I would have to pay XXXX XXXX late fees if I was 5 days or more late. It just recently happened that I hit hard times within the last few years and I was coming up late on some payments. I discovered they were charging late payments of XXXX XXXX a month which according to reg Z can not happen unless that was disclosed before I signed my contract. I called the company ACS education services but they refused to comply with removing the fees. They sent me a promissary note copy but it was redacted so it did not show the entire contract. I have been paying this loan for over 8 years, and cannnot understand how they can get away with this. They said " XXXX XXXX '' is my lender but that was n't given to me either before I signed the promissary note. Is this legal? Help me.
08/12/2016 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't temporarily postpone payments
  • VA
  • 24554
Web
I enrolled in XXXX classes in XXXX of XXXX. I completed the course XXXX XXXX. When you are are enrolled at least half time your student loan status us supposed to be in a deferment status. When I started class my payments were not due.after months of receiving late notices I contacted the lender.They said they were n't aware I was a student, that my school was n't is n't the system.they sent the documentation that needed to be filled out and signed by my instructor. I had it all completely filled out as instructed, signed, and returned. I was denied the student deferment and my account is still in a late status. I do not see how this is at a fair. I 'm already paying triple the amount for an XXXX XXXX through this lender and ca n't afford the loan as it is. I was very young when I signed for this loan, not knowing my options. I 'm XXXX now paying for the misguided XXXX old that signed a loan thinking I would make such a great living and pay this loan off in no time! The least they can do is work with you when you are furthering your education.
11/11/2020 No
  • Debt collection
  • Federal student loan debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 91764
Web
Conduent Education Services ( CES ) and XXXX : Are reporting against my credit in XXXX of 2017, as a combined report. I just learned about this and could not dispute this. How are two different companies reporting late payments and why wasn't I notified? I need the following since all my student loans were all appropriately deferred in 2017, in all fairness, I am requesting the following ( original documentation for inspection at my home address ) verifying when these two separate companies, which are now combined on my credit report did any of the following : ( 1 ) When they contacted me in 2017 and what address they utilized to notify me ( both individually XX/XX/XXXX and CES ) - original documents needed for review ). ( 2 ) When they verify that they were a new loan server in 2017 and what address they utilized to notify me ( both individuallyXX/XX/XXXX and CES ) - original documents needed for review ). ( 3 ) I looked online CES and XXXX are two different companies ; how, are both reporting the same XX/XX/2017 late payment??
01/15/2020 No
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • GA
  • 30328
Web
I received the 'Hazard Reeves ' loan from XXXX XXXX XXXX XXXX in XX/XX/XXXX. This loan was serviced by " ACS Loan Service Provider ''. This company no longer exists and now appears to be " Conduent Education ''. However when I visited their site, it seems to they are no longer servicing my loan. From their site : " As of XX/XX/XXXX, Conduent Education ( fka XXXX ; ACS Education Services ; XXXX XXXX XXXX ) services has ceased all Student Loan servicing of all forms of such loans and all loans have been moved to other servicers. '' I have no idea who is currently servicing my loan and I have no idea how to find out. Since graduating in XX/XX/XXXX, I started seeing 2 missed monthly payments on my credit report for this loan. I need to know who is currently servicing my loan so I can pay the missed payments and keep my account current. I also need these missed payments removed from my credit report. I have every intention to pay off the loan but did no receive any communication about who my new loan servicer is, so I was not able to pay.
04/06/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Don't agree with fees charged
  • OH
  • 43560
Web
XXXX 2016 I began application process for IBR plan through my loan holder ACS. After faxing multiple forms provided to me on several occasions and emailing said forms I had fallen delinquent on my account so they suggested I put my loan into forbearance. After several month I was approved, given a reduced payment, taken out of forbearance and my accrued interest was rolled into my principal. I made the assigned payments on time each month. Each month I noted a late fee of {$120.00} about which I called on several occasions and was given a different reason each time. The most recent reason for the late fees I have been given is that my reduced payment amount ( that they assigned to me ) did not even cover the monthly interest and the late fee was accessed because I was not making a payment onto my principal. I then requested the dollar amount I would need to pay to avoid paying a late fee the following month and the operator was unable to clearly give me a dollar amount to pay in my next payment. I have had no resolution to this problem.
05/26/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • CT
  • 06256
Web
I have student loans with ACS and have been with ACS for over 10 years. I had been on an IBR plan and it came time to update information at the beginning of the year and I sent in all required information. I was waiting to hear what my payments were going to be and when they would start up as previously the payments were XXXX . I then got a bill stating I was late. I called and began making payments on the account trying to catch up. I recently have been talking to a mortgage broker as I am trying to obtain a mortgage. He pulled my credit report and informed me ACS had reported me late in XXXX 2017 . I called them several times to ask them to remove and update the late payment report as it is not accurate. They refused to remove it. I also asked them if I could write a goodwill letter to explain what happened and they said no. I am disappointed at their unwillingness to work with me and my account under the circumstances. It is essential I get the late report for XXXX 2017 removed to move forward with the mortgage.
05/01/2017 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • PA
  • 19547
Web
I called the XXXX XXXX 2017 to ask a question about how much I actually still owe because the website is unclear. It to ok 25 min utes before anyone answered. I was told I owe XXXX plus an additional XXXX , so I paid all of that online with my bank account. I called again today XXXX XXXX 2017 because I notice all that money was gone from my bank but the their website says I still owe XXXX . It took me 27 minutes before anyone answered. The customer service is short and rude and actually hung up on me when I started the wait time was too long. Called again 29 minutes got someone. I found out I overpaid my loan by about 120 dollars because the first representative was incorrect about how much I actually owed. Now, I have to wait 60 days to get a refund. It is also worth noting that my credit score dropped dramatically because they claimed they were emailing me warnings about starting my payments but when I c hecked my email on the dates given that I got these warnings I have no emails and also got nothing in the mail.
03/18/2022 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • TX
  • 78665
Web
In XXXX, I spoke with Direct Loans to make satisfactory payment arrangements or to go on a payment plan that I could afford. The representative steered me toward forbearance rather than allowing me to make smaller payments or to be placed on a payment plan that I was qualified for due to my income. I remained in forbearance until XXXX when I started taking graduate classes. I called Direct Loans again and wanted to make smaller payments to at least cover the interest and asked to not be placed on in-school deferment but was told that I was required to be classified as such since I received a student loan. I have recently learned that the practice of steering customers toward forbearance was for the benefit of the corporation and not to help the borrower. Had Direct Loans offered me the payment plan that I was qualified for, I would have been able to make the payments and have those years qualify toward my XXXX XXXX XXXX XXXX program and would be out of debt today.I now have all of my loans consolidated and moved to XXXX.
11/17/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Having problems with customer service
  • OR
  • 97030
Web
I got my loans through XXXX XXXX. They were taken over by Acs. I have multiple late payments on my account. I have disputed all of them and had some removed because Acs " had no record '' even though they had reported to credit agency they were late. After multiple disputes, I was able to get some off. I expreressed my frusterated to Acs multiple times that when they had reported these late payments that there was no person to talk to when I initially got my loans bought by them. It is not since this last two years have they changed their system. They will not now backdate any of my deferements or forbearance and are reporting I am late, even after I used their automated system to get my payments postponed. I told them my loans are being consolidated. I never have had any issues with my XXXX loans or when XXXX had my account, only Acs. There are multiple times I have applied for postpone payments and then they are showing up late. It is so hard to work with a company that is not accurate on reporting their information.
01/06/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • VA
  • 22102
Web
After my graduation, I was notified by federal loan service for student loans. However, as Conduent takes one of my school student loan ( XXXX XXXX XXXX ), they failed to notice me about the loan. I had zero idea about this loan ( including loan amount, interest rate, loan collector or even repayment method ). On XXXX XXXX, my credit scored reduced by a whopping 55 points that I realized that there is student loan. On XXXX XXXX, I had to call my school financial office to learn about my loan collector. Then, I made a phone call to ask why they do not contact me for my loan. According to them, they sent paper mails to my correct mailing address and the postal office returned the mails. I highly doubt that the address they input is correct. Also, they did not try to send me E-mail notification even though they can easily achieve my school email address. They also did not make a phone call. They representative insisted that they can not do anything about the past due report, so I am desperate to file this complaint.
06/02/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • NY
  • 11361
Web
I set up automatic payments with the servicing company twice, but when the quarterly payments were supposed to be made, the company put my account past due instead of making the automatic payments. I made a complaint about this and received an acknowledgment email of my complaint on MondayXX/XX/XXXXThis email stated that I would receive a response within 48 hours. I did not receive a response until XXXX XXXX on FridayXX/XX/XXXX. I received an email that said they could not call me but I could call customer service. Their customer service line is already closed and it 's Friday night. Their response was not accurate. It said that I could not set up automatic payments when my account is overdue, but I tried to set up automatic payments with them twice when my account was not overdue and they are not taking the automatic payments. I requested that they call me and they have not. My account should not be overdue because I set up automatic payments, and this is the second time in a row that the company has done this.
03/28/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Received bad information about my loan
  • MN
  • 55044
Web
ACS has been reporting late status on my credit report when said loans were in forbearance. The loans in question have been reported incorrectly for XXXX different periods. The first instance was XX/XX/XXXX through XX/XX/XXXX. The second was reported XX/XX/XXXX through XX/XX/XXXX. The third instance was XX/XX/XXXX through XX/XX/XXXX. The information changes from XXXX credit report to the other. XXXX, XXXX, XXXX all have different information. ACS has been impossible to talk to. I give them my information and they say they do n't service my loans and hang up. One lucky time i was able to get my account number. Than she realized that they do n't service my loans anymore and ended the call. It is not only frustrating that i ca n't talk to someone about my loans, it 's even worst that they can wreck someones credit with no re-course. I feel like I have no rights. If a company can keep reporting negative information they should still service and provide service to the day they no longer can reports such information.
07/28/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • NY
  • 10536
Web
-Original loan amount XXXX -current payoff XXXX -Payments made since 2002 total XXXX -Applied to principal since 2002=XXXX -Applied to interest since 2002=XXXX -Interest rate 7.625 % I have called several times throughout the years to have the above explained to me. I could never get a straight answer. Took a 1 year forbearance in 15 years and it was blamed on that. Also told that in order to make headway I would need to pay before the due date each month, moving my payments up earlier and earlier each month. Something does n't seem right about that. One should be able to pay off their loan paying on the due date each month. However, I have done that and still only paid off a fraction of my loan. I have never made a payment that did not arrive on the due date or before. Monies applied to interest each month do n't seem to make sense. I would like answers. I want to know why money applied to principal is not reflected in my current payoff amount. I want to know in writing how they are calculating interest.
05/12/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • CA
  • 94806
Web
There is very little information of the interest rate benefits of scheduling auto payments on my servicer 's website ( ACS-education.com ). Specifically, there is no information on it in the pages having to do with auto-payments ( ACS XXXX XXXX ). I have been making regular payments now for almost two years. I reviewed the ACS XXXX XXXX webpage several times throughout the time that I 've been paying back this loan because other servicers I use have made this information clear. Today, I finally found the following sentence in the Info Center section of the website : " Please note that many lenders offer interest rate reductions for accounts that are enrolled in an automatic deduction program. Just send an e-mail to us and we will notify you of your eligibility. '' I believe this information was intentionally hidden for the sake of profit. I believe this information would have saved me a decent amount of money if it were more easily accessible. I emailed them today, and am looking forward to a response.
12/19/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30101
Web
My credit score dropped 78 points on XXXX due to a XXXX XXXX account ( from XXXX ) becoming 90 days delinquent. XXXX XXXX has never been late and there were never no reporting of it being 30/60 days late, it jump straight to 90. After reaching out to XXXX XXXX come to find out there student loans were sold to XXXX, whom could n't locate my account in their system either. I reached out to US Dept of Education and there were only one XXXX XXXX account showing paid in the amount of {$1300.00} in XXXX. After reviewing the verbiage on all 3 credit account, I notice XXXX XXXX appeared on my XXXX report. I reached out to ACS who is no longer is ACS but is now Conduent Education. They inform me my accounts were 90 days late. I asked why I have n't received anything in the mail or at least a phone call. Why it never reported 30 days late and went straight to 90 days, I could 've addressed it sooner. Why my students loans been sold so many time and I was n't made aware of who to contact to make payments.
03/09/2019 Yes
  • Debt collection
  • Private student loan debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 94044
Web Servicemember
On XX/XX/2014, I received a phone call regarding my student loan debt telling me that I need to pay my loan or they would send a report to the credit bureaus damaging my credit. I informed them that when I tried to log onto the ACS Education website to pay my loan, I could not log on. They then took my debit card information to make payment on my loan. I was then told that I would be given a new account so I could continue to make payments on this loan. Years later, I learned from my credit report that they already reported me to the credit bureaus as being seriously delinquent on this loan for 150 days despite the fact that I was unable to make payments due to their deletion of my online account. When I tried calling them about this, they said that they no longer serviced my loan and would be unable to help me regarding this matter. They are now called Conduent Education Services. Furthermore, my credit reports are still showing that I owe money despite having already paid off the loan.
04/27/2019 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • LA
  • 70117
Web
A letter of complaint was sent to the US Department of Education, FSA Ombudsman on XX/XX/2019 due to misinformation/misrepresentation by servicers prior to and after the rehabilitation of my defaulted student loans. I consolidated my student loans and then entered into a rehabilitation agreement with a servicer who advised me that upon making 9 consecutive payments, the loan would be rehabilitated, the negative status would be deleted from the credit bureaus and the collection cost would be removed. None of these things happened upon the rehabilitation. Instead, after the ninth payment was made, I then received an invoice for an amount that I could not afford to pay. No one advised me at that time of any income based repayment plans that could have assisted me in a subsequent default. Since that time my one loan has been and continues to be reported inaccurately to the credit bureaus as 2 defaulted student loans. ( Please see the attached letter expressing my concerns in detail ).
09/30/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Having problems with customer service
  • IL
  • 60046
Web
I am still a student, and have attempted to submit deferment papers to the company unsuccessfully several times. They repeatedly return my forms citing excuses such as " the date is in the incorrect format, we need mm/dd/yyyy and you gave us mm/dd/yy '', " your bill has not yet been paid so we can not accept your deferment '', and " your bill is not yet due so it is not necessary for you to submit a deferment until next period ''. It seems as though nothing will allow them to accept the form. After the most recent return in which they cited " your bill is not yet due so it is not necessary for you to submit a deferment '' which was for my bill due XXXX XXXX of this year, I resubmitted a form at the beginning of this month ( XXXX ) so that I would not be liable to pay for my XXXX bill since I am still a student and it should be in deferment. They have simply ignored this form and I imagine they will wait until after XXXX XXXX to reject my form and tell me to submit another XXXX.
06/20/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • MS
  • 38672
Web
* XXXX to excessive transferring of my student loan accounts from one servicer to another, I have had difficulty keeping track of who I owe and when to pay them due to inconsistent billing. * Billing statements were not sent during the period of the delinquency notations despite calling the various servicers to find out to whom, how much and when to pay them. * The following delinquency reported on my credit reports is inaccurate and the result of Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) by the servicer, which is under the purview of the CFPB : 1. 90-day and 60-day past due delinquency notation in XX/XX/XXXX and XXXX XXXX without a 30-day past due notation in XXXX XXXX on ACS/XXXX, XXXX, CA account. 2. 120-day, 90-day and 60-day past due delinquency notation in XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX without a 30-day past due notation in XXXX XXXX on same account. 3. Reported delinquency noted in items XXXX and XXXX also appear on XXXX other ACS/XXXX accounts.
06/02/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AZ
  • 85752
Web
Three times I have submitted requests to the 3 individual credit bureaus as well as ACS Education Services requesting the inaccurate reporting of the late payments in XX/XX/XXXX & XX/XX/XXXX to be removed for all 4 of my federal loans with acct numbers XXXX, XXXX, XXXX, & XXXX.

The agency reported a timely payment in XX/XX/XXXX, 60 days late XX/XX/XXXX, & 90 days late XX/XX/XXXX for all my accounts. During this time I was struggling with the company to approve my IBR. OnXX/XX/XXXX I spoke to agent # XXXX with ACS who retro-acted my deferment to XX/XX/XXXX to be active until XXXX. I followed up onXX/XX/XXXX, to ensure my account was current was spoke to a man, XXXX, @ XXXX XXXX ( MST ) who stated I was in deferment with a bal of {$0.00} since XX/XX/XXXX.

Every time I have requested the inaccurate reportings be corrected ACS places a remark of " Dispute resolved, Customer disagrees. '' Nothing has been resolved. I was in deferment so the late notices should be removed.

10/09/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • MI
  • 48236
Web Older American
My wife and I did borrow to help pay for our XXXX sons ' college tuition. The collection of some of those loans have passed from XXXX to XXXX or XXXX servicing companies. One batch is now services by ACS ( a XXXX company ). We have paid {$210.00} monthly for several years. But I noticed on the last statement there is no cumulative accounting of what we have paid in principal and interest. I did notice that they say the outstanding principal balance is {$10000.00}. That seems very high. Particularly when I know we have nearly paid off in full another group of loans administered through XXXX XXXX XXXX XXXX. The account number on the ACS loan is XXXX. I would welcome your suggestions as to how I should proceed. I am reluctant to go to ACS 's customer service folks until I do some research on their track record. Also, I noticed this story from XX/XX/XXXX. XXXX You can reach me at XXXXXXXXXXXX or XXXXXXXXXXXX Thank you, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX
08/11/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Problem with customer service
  • CA
  • 94702
Web
On XX/XX/XXXX I received an email from " XXXX XXXX XXXX XXXX XXXX via XXXX '' informing me that XXXX was changing loan servicer from ACS to XXXX. This email was sent to " XXXX '' which seems to be a listserv they created for everyone who has a Perkins loan within the XXXX system. Someone else was able to respond to that email with questions, which blasted out to everyone. This violates privacy and data sharing practices. Additionally, much of the communications around this Perkins loan has been sketchy and has made me think that there is fraud involved. I was n't aware I had a Perkins loan until I received an overdue notice from ACS ( to my parents address, not to me ) which was written in a way that was intentionally misleading. I owed {$200.00} at the time but it gave me the full amount based on what would happen if I did n't pay, and told me I was seriously delinquent, even though they had not communicated anything to me earlier. This hit my credit score until I paid.
08/01/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Need information about my balance/terms
  • CO
  • 80304
Web
My student loans were " bought '' and have been serviced for several years by ACS. I have had some concerns dating back several years about the way in which large lump sum payments were applied to the account. I participated in XXXX and applied those funds to my student loan, but was told by ACS that this would not reduce the principle balance but would just apply to future payments. I do n't really trust the accounting and have made several requests for a detailed statement from the time they began servicing the loan, so I can audit the account. Despite several requests I have yet to receive a statement, and can see that others have similar complaints. They sent me a statement on an incorrect account that was not detailed and have told me more than once that they mailed a statement but I have not received anything. To summarize, I want to audit this account and have requested a detailed statement that will allow a detailed financial audit and this has not been received.
07/11/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • VA
  • 22311
Web
To Whom it May concern : I am writing to see if ACS Education would make an adjustment to an error in your reporting to the XXXX credit agencies. I have XXXX late payments on my account that date back to XXXX , XXXX , and XXXX 2014 when it happen. During that year " 2014 '' I was late 2 months which resulted in XXXX being 60 days late. I have an email showing that on XXXX XXXX 2014 . I submitted for a short deferment for my situation so I wouldnt get back in the situation I was once in, prior years before. I was also was informed on the phone that it takes 5 to 7 days for processing. Which would have been in range before my next payment on XX/XX/XXXX before a late payment would go in effect for the 2nd late payment on my report. I have the email to show as well. This kind of action is wrongful practice to your clients and reporting in error, as if your client never communicated with you and I have been in deferment before without an issue.
01/27/2017 No
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Having problems with customer service
  • MD
  • 20724
Web
I have a federal student loan with a company called ACS. I have tried multiple times to set up an income based repayment plan with them as I have with other loan companies. ACS consitantely claims they never received my application via fax nor my documentations. I sent the documentation ( 3 ) times. I never heard anything back from them. Every time I called they claimed they never received my documents. I received a letter in the mail that stated if I did not send them {$30000.00} by XX/XX/2017 my loan would go into default.This was after I tried multiple times to set up various types of payment plans with them. They stated I was not eligible for any type of deferments or forbearance 's until I bring my account up to date by paying them {$5000.00}. I have never been behind in my loan payments until ACS became my loan service. I am desperately trying to avoid the loan I have with them from going into default however they are not willing to work with me at all.
03/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • IL
  • 62010
Web
I recently used XXXX law to dipute my student loan that went to collections sometime around XXXX. The company was originally ACS student funding group they sold their operations to CES education services. The problem is XXXX credit report had CES for my loan collection so when XXXX law disputed it as it has been closed since XXXX they removed it from my report no problem. XXXX has the same collection but it is under the parent company ACS who is no longer reachable as they have closed and sold their business so my dispute and collection is still on my XXXX report. I have tried contacting both loan companies and can't find information on either as they both have XXXX down their operations and sold their companies due to lawsuits. I need the dipute finalized and the negative account removed from my credit as it has been over 7 years since it was closed nit to mention they in fact removed it from XXXX XXXX so they should rightfully remove it from XXXX as well.
08/10/2019 Yes
  • Debt collection
  • Federal student loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CO
  • 80218
Web
Conduent sent me a notice in the mail that is dated for XX/XX/2019. I received the notice on XX/XX/2019. Conduent is stating that a loan from my XXXX school was sent to them to be my servicer and that I have 30 days to notify them of the inaccuracy. They are saying that I owe them {$4000.00}. The problem is that I never took a private loan, a perkins loan, or a FFEL loan through my institution. I cross-referenced all the loans I took out in XXXX school to the NSLDS database and this loan amount never shows up. In addition, I looked at all my financial aid award letters from my institution and they all say Federal Direct Loan or Federal Direct Grad Plus loan. None of them say institutional loan, perkins loan, or FFEL loan. I have already consolidated all my loans through XXXX XXXX XXXX which has serviced every loan I've had in XXXX school and this loan isn't one of them. The company is being extremely difficult to get a hold of to dispute this loan.
06/07/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 60402
Web
Due to unemployment, my account was placed into a 12 month forbearance. The forbearance period expired in XXXX and payment was due on the account in XXXX 2017 . Payment was made on XXXX XXXX , 2017 for XXXX 's payment due. Student loan co mpany, ACS, processed the payment and applied it to my account. A few weeks later I was noticed via XXXX credit monitoring that my account with ACS had been reported as being 30 days delinquent. Payment was never made late and in light of this I filed a dispute with the credit union. ACS did not correct the issue. Furthermore, I have attempted to call ACS on several occasions and have been placed on hold for hours on end. I would like for this payment information to be corrected and for the 30 day pass due status to be removed from my credit reports. This has adversely affected my ability to qualify for a mortgage and I would hate for this dereliction to affect me further. Thank you.
01/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OR
  • 97361
Web
This student loan first originated during the Award XXXX - XXXX while attending the school called, XXXX XXXX XXXX XXXX XXXX XXXX which can be found in the uploaded supporting documentation on page XXXX where I have given you a copy of the XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My credit report does not reflect the Award XXXX - XXXX and is missing loan servicer Conduent, Borrower Services Department XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX This loan originated in XXXX and is still in repayment according to the loan servicer. Let the record reflect the correct date the current loan was first was awarded, in XXXX, and last sold by the loan servicer in XXXX. I have not taken any loans since XXXX and the XXXX loan is a requirement of the servicer to buy and sell loans to other companies. Correct this mistake, I included my lawsuit from XXXX on this matter as a second form of Federal proof of it's existence before XXXX. Thanks.
08/17/2018 No
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • MO
  • 65707
Web
XXXX XXXX University liquidated my Perkins loan. When this process was being done, I did not receive any notification that payments would be in jeopardy. My loan was on an automatic bill pay deduction. I had never had a late payment. when the load liquidation started, they failed to take a payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/2019. The school says they can not take the payment and record that it is being made. The monthly payment is {$40.00} per month and has not been made during these months. I would like to, but have no one to pay. The late/missed payments however are being reported to the credit agencies and this is negatively impacting my credit score. My ability to get a home loan and my cost on my auto insurance have been impacted. the school does not know any information on how long this will last. I just want to make my payments and make sure my credit rating is corrected. What can I do?
09/28/2018 Yes
  • Student loan
  • Federal student loan servicing
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 33176
Web
Furnisher : Conduent Education Services ; Account Number : XXXX. I submitted a dispute and requested and investigation directly with the furnisher as stated in the Fair Credit Reporting Act ( FCRA. ) The dispute and request for an investigation was regarding specific inaccurate information being reported to my consumer reports ( i.e., inaccurate late payments. ) The furnisher received my letter via certified mail on XX/XX/2018. Conduent Education Services failed to comply with the FCRA dispute to furnisher guidelines including ( a ) conducting reasonable investigation, ( b ) report results to consumer generally within 30 days and ( c ) failing to notify the consumer of the status of the investigation and if it was even initiated. These are major violations of the FCRA and the furnisher should held accountable to the fullest extent of the law for failing to comply and violating my consumer rights. See attached uploaded documents.
07/07/2018 Yes
  • Debt collection
  • Federal student loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 44057
Web
I XXXX XXXX have tried to invalidate several negative collection accounts placed on my credit bureau from a company called ACS EDUCATION SERVICES. My attempts to obtain proof that this agency was even in the chain of ownership on several student loans has fallen on deaf ears. I hereby submit a qualified written request for all education loans either posted on various credit bureaus, or loans that ACS EDUCATION SERVICES states they had a right on servicing of said accounts. A qualified written request ( QWR ) will either validate or invalidate the right to my personal information, either from a collection stand point or an ownership. If a QWR can not be submitted, it means that ACS never had a position on any of my student loans and that my file ( s ) must be purged and all references to a collection process on my credit bureaus must be deleted immediately. The US Department of Education will be notified of this request as well.
04/13/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Don't agree with fees charged
  • CO
  • 80237
Web
Dear Consumer Financial Protection Agency, I write to report the predatory Student Loan repayment practices of ACS/XXXX. My Federal Stafford Loan payment is due on the XX/XX/XXXX of each month. I made a XXXX payment ( nearly XXXX dollars more than the required monthly amount ) for XX/XX/XXXX at XXXX The {$150.00} payment was then scheduled for XX/XX/XXXX ( please see attachment ). However, ACS/XXXX did not process XXXX payment amount until XX/XX/XXXX, and charged me a {$5.00} dollar monthly late fee. This has happened several times with ACS, and is not only unacceptable but unlawful. When I called and asked for a credit for this monthly fee, I was informed that, although I had paid in advance, there was nothing ACS/XXXX could do, and they further indicated I will need to make my monthly payment even more days in advance to prevent them from egregiously charging me inexplicable fees. Please help. Respectfully, XXXX
04/14/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 12208
Web Servicemember
I had a student load with ACS/Conduent from XXXX until I consolidated my loan in XXXX. They are reporting on all three credit reports that I was 60 days late on payment XXXX of XXXX. I was in a loan forbearance while in college, and I graduated XX/XX/XXXX. I am not able to access my account on their website anymore, I get a message that I no longer am a customer, which is true, as I consolidated last year. I have no access to my previous forbearance paperwork, which was completed online. I do have proof via email, from ACS that my forbearance was granted in XX/XX/XXXX and ended XX/XX/XXXX ; therefore, they reported me for being 60 days late in XX/XX/XXXX ; when the loan was in forbearance. This has ruined my credit and I need this removed from my credit reports. During that time in XXXX, ACS was bought out by Conduent, which it is now, so I think they messed something up with my forbearance during their change of companies.
11/16/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TN
  • 38308
Web
this account is stating that 100 % of the loan is paid, but it has periods where it was reported late. When it was reported late the loan was in deferment. I need them to change the late payments to all paid and this account should go under satisfactory accounts and not possible adverse accounts. You 've paid off 100 % of your student loan amount. Balance {$0.00} Highest Balance {$26000.00} Monthly payment {$50.00} Opened XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) Term 120 months Payment History Youve made 44 % of payments for this account on time. XXXX F M A M J J A XXXX O XXXX D XXXX XXXX XXXX Last payment XXXX XXXX, XXXX Current Payment Status Current Worst Payment Status XXXX Days Late Account Details Account status Closed Type Student Responsibility Individual Remarks Dispute resolved ; customer disagrees Worst payment status XXXX Days Late Times XXXX/XXXX/XXXX days late XXXX/XXXX/XXXX Closed XXXX XXXX, XXXX
09/02/2016 Yes
  • Student loan
  • Non-federal student loan
  • Getting a loan
  • Can't qualify for a loan
  • OR
  • 97213
Web
XXXX, serviced by ACS, is demanding payment of a debt they can not prove we owe them. Our attorney asked that we demand the servicing agreement from ACS/XXXX XXXX proving ACS/XXXX XXXX proving there is a debt. XXXX XXXX refuses to provide that servicing agreement to us or to our attorney. My wife receive a phone call on a SUNDAY from someone in upper management at XXXX XXXX telling her XXXX XXXX wants their money ( over {$50000.00} ) and that they are NOT going to provide us any proof of that debt. ACS/XXXX XXXX is registering on my credit as a delinquent debt with rolling late payments and it is the ONLY thing between us and being able to buy a home again, after years of trying to recover financially from XX/XX/XXXX-XX/XX/XXXX. We have never made any payments to XXXX XXXX. Not ever. They can not prove this debt exists. We need this debt removed from my credit immediately if we are to purchase a home again.
08/17/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Incorrect information on your report
  • Account information incorrect
  • AL
  • 36830
Web Servicemember
I was in school full time from XXXX XXXX until I graduated from XXXX XXXX in XXXX of XXXX. During this time my loans were in deferment. Upon graduation I was informed that I have 6 months to not have to make payments. I filed for IBR payments in XXXX XXXX and have made all required payments on time, without fail, since then. Upon looking at my credit report this year, somehow my account with ACS is delinquent from XXXX XXXX XXXX, but then goes current again starting in XXXX XXXX and has been since. Somehow, in less than a month after graduation, I am 60 days late on a student loan within my 6 month grace period. I 've contacted ACS several times about this. I 've let them know that I have several other student loans and NONE of them have reported any late payments, ever. They have been completely unhelpful with this situation and are completely unwilling to help me out with this error on their behalf.
02/07/2018 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Need information about your loan balance or loan terms
  • CT
  • 06511
Web
In XX/XX/XXXX, the company processing my federal student loans changed from ACS Education to Conduent to now, XXXX. I've been trying to log in to ACS/Conduent 's website to retrieve my XXXX information for the year XX/XX/XXXX ( student loan interest paid ). The website does not allow me to login and retrieve this info ( I get told I will be sent an email with a verification code to access my account, but these emails never arrive, not even to my spam folder ). When I call their customer service number, I am unable to retrieve this info either through their automated system, or even speaking with a live operator. I just get routed to a series automated messages with the final one hanging up on me. XXXX does not have this interest info accessible on their website ( presumably because my first payment to them was inXX/XX/XXXX ). Please help, as I need that XXXX info for my taxes. Thanks! XXXX XXXX
10/22/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Personal information incorrect
  • PA
  • 16508
Web
My reports shows I lived at an address I never lived at and was reported on XX/XX/XXXX by ACS/XXXX XXXX XXXX and/or creditor it was sold to-XXXX XXXX XXXX on XX/XX/XXXX. ACS/XXXX XXXX XXXX XXXX Account opened on XX/XX/XXXX. It also reports on XX/XX/XXXX I was 90 days late and on XX/XX/XXXX 60 days late. I have sent in copies of divorce decree showing ex husband is responsible several times over the years with no update. The loan is closed as of XX/XX/XXXX. He received the bill while he was living in Virginia while account still open and was making payments as of XX/XX/XXXX and I did not receive a bill as I lived in Pennsylvania. It shows he paid XX/XX/XXXX and then suddenly was 60 days late the next month of XX/XX/XXXX and then suddenly 90 days late on XX/XX/XXXX. How is that possible? I was not aware of this bill and have asked several times that this delinquency be removed from my credit report.
03/04/2022 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Need information about your loan balance or loan terms
  • GA
  • 30311
Web Older American
I am a XXXX XXXX XXXX man trying to pay off my federal student loan debt before I die. I had a loan with XXXX and then it was transferred to XXXX but serviced by ACS in XX/XX/XXXX ( ACS serviced loan from XXXX to XXXX ). I had many calls and emails to ACS over the years because my payments were allocated in an unfair confusing manner. Even when I paid early my interest would be higher than the previous month. XXXX finally took over to do their own servicing starting in late XXXX. I have paid XXXX directly since then. I have recently consolidated my loan from XXXX to a Direct Loan with the Dept of Education ( XXXX ). They however can not verify my payment with ACS because they no longer exist. Where are their records? Conduent has not responded to my emails. I need help in getting ACS ( or their successors Conduent ) to provide certified records of payments I made to them from XXXX to XXXX.
02/16/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Keep getting calls about my loan
  • WA
  • 98260
Web
On XX/XX/2016, a woman called my cell phone, and said she was calling from the student loan company ACS, and had information for me.. She asked for my birthday and home address, which I did not give to her, and she would not tell me the purpose of the call until I supplied her with my birthday, XXXX She said I could call ACS to get the information and had a phone number for me, which I did not take. Instead I called ACS myself ( as I do have both private and federal student loans with ACS, https : //www.acs-education.com ), and they told me no one from ACS had tried to contact me, and that they do NOT have my cell phone number ( they only have our landline ). The phone number the person calling used was XXXX, which ( from a XXXX search ) appears to be used regularly for this purpose. I 'm concerned that this person not only knew I had a loan with ACS, but they also had my cell phone number.
07/19/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Struggling to repay your loan
  • Can't get other flexible options for repaying your loan
  • MD
  • 21043
Web Servicemember
I applied for the Public Service Loan Forgiveness program and was denied. I took ou t William D. Ford L oans and I have been paying on them since XX/XX/XXXX . I have paid for 17 years without missing a payment. I have never been late with a payment s ince I have automatic debit. I work fulltime as an XXXX in a XXXX XXXX XXXX and meet all the other qualifications. I have also applied for the XXXX forgiveness program and been denied because I took out my student loan in XX/XX/XXXX o ne semester before the program benefits. XXXX University DENIED the Perkin Loans to the XXXX students who were in greater need than the XXXX students because our classes were much more expensive. If they had allowed the XXXX students Perkin Loans I would have had 100 % forgiveness. What are my options at this point in time after paying faithfully for 17 years. Please help.
09/21/2021 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • MI
  • 48375
Web
I graduated in 2003, and immediately started repaying my Student Loans. I was paying ACS monthly in the amount of {$280.00} for over a 10 year period. At the end of the 10 year period I attempt to get a Public Service Loan Forgiveness and was denied, although I never missed a payment nor was I ever late on a payment. I was informed at sign up that I was enrolled in the Loan Forgiveness program. I have since had my loan serviced by 2 other companies, currently with XXXX XXXX. I have been trying to investigation where my funds of over {$34000.00} were allocated, as my student loans balance is still {$35000.00} only a few XXXX less than what it was before I started repaying in XXXX. I need help with Contacting ACS or Conduent to track my payments. I am still being denied for Public Service Loan Forgiveness and I have been on the job now for 23 years. Please assist with this matter.
01/13/2018 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Problem with customer service
  • CA
  • 94102
Web
XXXX, my new loan service provider, abruptly dropped their services on my lap without any warning. I knew this because XXXX sent me an email on XXXX XXXX stating that they would no longer service my XXXX loan. By doing this they have removed the platform upon which I make timely payments to repay my XXXX loan, and forced me to find only one person on the planet at XXXX who might be able to help me. However, she is n't available until XXXX XXXX. In the mean time I am locked out of my account that XXXX took control of. I ca n't call them because their system wo n't recognize my social security number. I ca n't access my account online and they ignore my email communication ; in fact, I have no receipt from them that they received my email communication. Finally, I ca n't make a payment. I 'm a ghost to them, and my unblemished credit is at risk because of the incompetence of XXXX.
07/28/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Received bad information about my loan
  • UT
  • 84754
Web
on XXXX/XXXX/XXXX ACS did a direct Consolidated Subsized and unsubsized loan replacing our FFEL consolidated loan from XX/XX/XXXX. 30 days later it reverted back, with ACS to a FFEL consolidated loan. We have been paying on this loan for over 10 years now with ACS unware, and assuming it was a direct consolidation loan. We have since applied for Public Service Forgiveness to find that it was only a Direct Loan from XX/XX/XXXX-XX/XX/XXXX ... less than 2 months. We have NO IDEA WHY? We do not qualify for forgiveness or can not use our 120 payments because it was never a Direct Loan consolidation. Know one can seem to explain to us why it reverted back 60 days later. This error, or change will cost us dearly. Please refer to attachments to see our payments and the Consolidation history on our Financial Aid summary and how we this can be remedied. We qualify in every other aspect.
05/19/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • CA
  • 94806
Web
I recently learned that my loan provider offers interest rate discounts with enrollment in Auto-Pay. After enrolling, I learned that the interest rate discount is lower than initially informed. I communicated with my servicer and was informed that the different " disbursements '' in my account offer different interest rate reductions. In addition to making almost two years worth of regular payments and not knowing that I could reduce my interest rate with auto-payments, I was never informed that there were multiple " disbursements '' on my account. I have now payed over {$3200.00} in additional payments over the last 8 months that would have payed off at least one disbursement that did not offer a lower interest rate, thereby reducing my weighted interest rate faster. This is all because the information that benefits me as a consumer is not available on my servicer 's website.
06/03/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • CA
  • 90035
Web
I received negative scores on my credit due to communication errors by the lender ( University XXXX Pennsylvania ) and the servicer ( XXXX, a division of XXXX XXXX ). I made a payment to the servicer XXXX XXXX but they failed to credit this XXXX account and gave a negative credit report that severly hurt my credit score. The XXXX website managed by XXXX that I traditionally used to make payments was not working, and I was directed to make a payment over the phone. When I made the payment over the phone they failed to credit the right accounts, and I was reported to the credit agencies as 30 days past due. In addition, when this account was first brought into repayment, I never received correspondence from the lender nor the servicer regarding repayment, indebtedness, and schedule of repayment and my account went into delinquency and I was given negative reports on my score.
05/20/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Can't repay my loan
  • Can't temporarily postpone payments
  • MD
  • 21140
Web
I am a teacher and a graduate student taking online classes via XXXX XXXX XXXX XXXX. I started taking classes in XXXX 2015. ACS Student Loan Services took over about {$24000.00} of my student loans and XXXX took the other student loans. I have approximately XXXX student loans. In 2015, I applied for an in-school deferment. I was initially denied by ACS, but I persisted in contacting them, because I knew that I was at least part time, if not full-time and therefore eligible for an in-school deferment. ACS denied the deferment, and claimed that XXXX XXXX XXXX XXXX did not meet their requirements. Over the summer I was sent an email by XXXX indicating that they now met US Dept. of Education requirements for in-school deferment. I summarily filled out another in-school deferment. They yet again denied my request. They are now threatening me with default, and wage garnishment.
05/10/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30342
Web
I discovered that there are late payments listed during my installment period and I have made several attempts to correct the issue. Your company has continued to report incorrect information. I had several loans with other lenders at the same time and there were NO Delinquencies. These loans similar to the loan I had with you were in a deferment period. The loan has been closed and the debt to you has been PAID IN FULL. However, your company is still reporting this erroneous information to all credit bureaus. This is clearly a clerical error on your companies end. I do understand that things happen. But I would like to request that one of two things happen moving forward : 1. My credit file is updated with all lenders showing that the payment was not late. 2. Since the loan has been PAID IN FULL! Your company remove all records of the debt from my credit file.
11/06/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Having problems with customer service
  • DC
  • 20020
Web
ACS servicer/ XXXX for my student loan is reporting my account in COLLECTION . ACS Inc. is th e student loan servicer for XXXX . ACS is reporting to XXXX and XXXX that my account is not just late but in COLLECTION. 1. During the time fram e XXXX XXXX m y loans were being consolidated. 2. I worked with XXXX XXXX to correct this information which was not corrected by ACS to the credit bureaus. XXXX XXXX requested 6+ times for this information to be verified and corrected. 3. These request were made at least 1 year ago - yet ACS has not verified nor corrected information. I have attached : Loan consolidation document from ACS, current ACS account information, XXXX XXXX document requests ( which had no responses ), an d XXXX XXXX credit reporting s howing information reported to credit bureaus XXXX / XXXX / XXXX )
01/20/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Can't repay my loan
  • Can't decrease my monthly payments
  • NY
  • 11226
Web
I saw an ad online from XXXX for helping consolidate loans. I contacted them, gave them my information about my loans and they put me in contact with XXXX to process my payments to them. I used XXXX to help apply for a lower monthly payment plan. They processed my paperwork and moved my loan servicing to XXXX. They failed to migrate my Perkins loan to XXXX, so now I have to pay a separate business for this other loan. I was completely unaware that my Perkins loan was n't included in my new payment plan until AFTER I was notified that a bill was past due. Before attempting to refinance my loans, I paid all of my federal loans with one monthly payment of {$160.00}. Now, I have to pay $ XXXX monthly to XXXX in addition to {$230.00} a month to separately pay for my Perkins loan. All of this is not including monthly payments I have to make for private loans.
12/29/2017 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Trouble with how payments are being handled
  • CA
  • 92582
Web
I have a private institutional loan that was serviced by ACS for several years and I made payments through their website. Recently, I got an email from ACS saying that their company name was changed to Conduent but I would still be able to log into my account with my username and password and make my payments. However, that was not the case. I could not log into my account with my credentials. I tried changing my password and after having an unreasonable amount of trouble doing this, I got into my account. Once I was into my account, the website kept displaying error messages when I attempted to make a payment and I was ultimately unable to do anything. On two separate days I attempted to send Conduent a message via their " Contact Us '' web form on their website. They have never responded to my messages and I have still not been able to make a payment.
07/28/2015 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Received bad information about my loan
  • TX
  • 77006
Web
ACS/XXXX XXXX XXXX / XXXX ( this was a private loan ) ... ACS began servicing this loan in XX/XX/XXXX. There were never any payments made on this loan. Payments were to begin on XX/XX/XXXX. This account should have been removed from from reporting agencies in XX/XX/XXXX. This information is being reported differently on all XXXX reporting agencies : XXXX : ACS/XXXX XXXX XXXX / XXXX. Reporting date of first delinquency as XX/XX/XXXXXXXX : XXXX - XXXX / XXXX ACS. Reporting date of first delinquency as XX/XX/XXXXXXXX : ACSXXXX XXXX. Reporting date of first delinquency as 60 days past due as of XX/XX/XXXXACS is telling me that I need to contact XXXX XXXX to resolve this issue. XXXX XXXX is no longer in business. All the numbers for XXXX XXXX ring back to ACS. ACS is telling me that they are not responsible for reporting because they no longer have the account.
06/09/2017 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • GA
  • 30094
Web Older American, Servicemember
With the assistance of XXXX XXXX XXXX financial c ounselors I received a Federal Family Education Loan Program ( FFELP ) for {$56000.00}. Payments started XX/XX/XXXX . Ne ver missed a payment, have paid fo r 10 ( almost 11 yrs ) . I am a XXXX XXXX but was told I do not qualify for loan forgiveness because this was not a " direct loan ''. Yet, I owe {$40.00}, XXXX still on the loan, after paying {$27000.00} in interest and {$16000.00} on the principle. I have paid {$44000.00} on {$56000.00} and still owe {$40000.00} and even though I qualify for loan forgiveness based on payment history and vocation. I am XXXX XXXX XXXX and will retire in XX/XX/XXXX with 31 years of XXXX XXXX . This was to my understanding a Federally Funded Loan Program or is the title meant to be misleading. No wonder people just give up and default.
07/30/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Having problems with customer service
  • ID
  • 83651
Web
I have been trying to work with my student loan guarantor and my loan servicer, ACS, to bring my past-due consolidated loans current, to no avail. I feel I have been the victim of deceit, fraud and misrepresentation on the part of ACS. I have been in contact with my guarantor, XXXX - specifically, XXXX XXXX, their " outreach advocate '' - as well as the XXXX in an effort to resolve the situation. Nothing seems to help. I have recorded conversations with ACS that demonstrate their practices, and have devoted substantial time toward seeking relief. ACS has unduly delayed my requests for relief, denying avenues of relief such as discretionary forbearance that they themselves have indicated are available, and the entire situation has gotten well out of hand, causing me undue stress, anxiety, loss of sleep, physical sickness, mental anguish and wasted time.