ACS

I am a guarantor on a student loan for my step daughter. The loan was from a company called ACS. When my step daughter graduated from law school, she was unable to find adequate employment, and several times has been granted forbearance. I have never been able to access the account number until the last two billing cycles when my step daughter called and gave them permission. I tried getting the information (the account #) from ACS to make payments prior to that, but they would not supply it. ACS would call on a regular basis only to collect the payment plus a usurious $25 late fee on a 56.91 payment. I never had the opportunity to pay the bill on time as the statements they sent contained an account number that was xxx-ed out. In the end, they have damaged my credit and require me to buy the credit reports from three companies to resolve the issue. They also said there is no assurance they would do anything about the credit reports even if I did purchase them.

I feel this is a violation of my rights as a consumer, I feel their main goal is to collect late fees. They stated that I stopped picking up there numerous daily calls to resolve the issue, but the only conversation with them was after the payment was due and to collect the late fee on a credit card. They never offered a way to make an on time payment. I have sent payments to them with the xxx-ed out payment coupon and at least one of them was returned. I asked for resolution to these issues and was offered credit on one late fee and the demand that I purchase numerous credit reports and send it to them to resolve the damaged credit. ACS knows who they report to and have damaged me by their obtuse methods. I would like a reasonable resolution to this situation. I cannot understand that while they have held me responsible for this debt, they were unwilling to supply me with a reasonable way to make an on time payment. I now have an account number and made a payment, but it has yet to be cashed. It was sent on 01/30/2012 and in the mean time I received another statement with an additional $25 in late fees. Please help!

Ever since they got my loan from Wachovia I have had issues with them. Back in 2008, I had to close my bank account and open a new one due to the previous company I worked for that lost employees personal info.

Well the day my new account info came in, I immediately called ACS to tell them and the woman took my info and was very nice and said just go online and pay. Well I did that and 3 weeks later, I got a letter saying that I was late on a payment and that I was taken out of their good gracious or whatever program it's called where they lower your interest. Well I called all upset saying I paid and the lady rudely goes let me check, and not more than a second later says nope you didn't. I had proof on my bank statement that I paid and I was **. Finally, I called again and spoke to someone else and she said it was a mistake on their part a glitch in the system. When I asked to be put back in that program they told me they didn't know if I would be back in it. I told them you have to put me back in because that was your mistake, not mine.

5 years later, I'm still not in the program and I have only about $3,000 paid off on my loan of $19,450. I should have had more paid off it by now considering I pay them $181 a month. This is outrageous and they need to be taken to court for their rudeness and bad customer service. BBB needs to do more than give them a bad rating. They need the government and law to take action.

We have been wrangling with ACS Education Services (who has had our consolidated education loan for several years now) since the end of September 2011. We were trying to apply for an Income Sensitive Repayment Plan. All required pieces of documentation (the Income Sensitive Repayment Plan worksheet, the Income Sensitive Repayment Plan application, two pay stubs for my husband who is the only family member currently employed full-time with a salary, our 2010 Federal Tax Return, and a written statement confirming that I am currently unemployed and that my gross income is $0) were submitted by the end of October 2011 (I have confirmation numbers from ACS, both via email and PGP Universal Web Messenger/secure message).

The application should have been approved (there was no reason for us to believe we would not be approved, it was a simple matter of a mathematical recalculation) and the new, minimum monthly payment should have been approved, according to my earliest secure message from them on 11/9/2011, within 7-10 business days, which would have been November 18 at the earliest and November 23 at the latest (not counting Saturdays). However, they never seemed to have figured out that they had all of the required documentation and our application somehow fell through the cracks. I was sending in the new estimated minimum monthly payment, but they kept billing us for (and still insist we pay) the old amount, indicating that we weren't sending in the correct minimum amount.

It took numerous email submissions to emailsupport@acs-inc.com (9/30/2011 and 10/21/2011), a fax to ACS (fax #315-**) on 10/3/2011, three conversations (Anola) on 12/20/2011 and Selene on 1/18/2012, one with an actual "supervisor" Nazia on 1/18/2012, and a submission of a documentation timeline (1/18/2012 to emailsupport@acs-inc.com) with dates and confirmation numbers that they received each piece of documentation. But based on my latest log on to the website this evening, our status was no longer "delinquent" but in repayment. It's unclear if they've actually approved the application and it still looks as if they have yet to grant our request that they do right by us and make the application approval retroactive back to when the last piece of documentation was confirmed as received so that we wouldn't "owe" more than we should have for November, December and January (their website doesn't show a past due amount, but it indicates we owe $145.78, the difference between the old minimum monthly payment and what should have been the new minimum monthly payment going back to October).

If ACS had processed our application in the timeline they indicated by secure message, we should only owe at the very minimum, $36.36 (the difference between the old minimum monthly payment and the new minimum monthly payment for October as ACS should have approved the application by November). One of their representatives (Connie, phone #**) called and left a message on our answering machine (the first contact since we started this process) for my husband (the borrower of the loan, I am the co-borrower and I am authorized to speak to ACS representatives regarding this matter) Friday morning (1/27/2012). I tried calling her back yesterday (1/30/2012) and again, today (1/31/2012) at the number she provided. I left a voicemail message each time, but she has yet to call me back. Their website slogan is "expertise in action". However, no one at ACS Education Services appears to be "expert" about anything other than inaction.

Now I am fighting mad! I made a payment yesterday in the amount of $199.08. I checked the website today and it is saying I am delinquent! I do not need this foolishness on my credit report. Not when I am trying to buy a house! I should not be delinquent at all! Especially by 40 plus days. I need somebody who gives a damn to look into this. I am going to contact my state representative, office of the attorney general and the president of the United States regarding all of this craziness.

I also received a call on 01/25 and 01/26 from the collection department. One woman last night was insistent on trying to talk crazy to me about being 40 days late. I find that hard to believe and want the calls to cease and desist. It should be obvious that I am having problems paying $199.08 a month. One would think that I might be going through some stuff. My income for one has been decreased substantially due to a job change. My father is in the hospital sick--has been since 12/05/11. Then I have this company hounding me and reporting "false" information to the credit bureau. I am fighting mad. If this complaint department is not going to do a thing about this, then, like I said before, I will sending this letter of complaint to somebody who will listen to me. This is ludicrous!

Over a month and a half ago, I sent in Income Based Repayment (IBR) forms to have processed for my student loans. I phoned at the end of December and was told the IBR forms had been received the second week of December 2011. I was told they'd be processed and to phone back in 5 to 7 days.

I did just that the first week of January 2012 and when I phoned I was told, "Yes, we have them and they are being processed." When I pushed further to ask to speak to a supervisor about the delay, I was given the phone number for the Federal Loan Data System who I was told was responsible for making the decision. I then phoned them to ask what the holdup was and they told me ACS was mistaken, that they had nothing to do with the IBR.

I phoned ACS back and Jason answered. He said he was sorry, that the other representative was in error. He assured me that the IBR would be processed before the Jan. 14th deferment end. When I asked him why it was taking so long he told me the forms were received Dec. 9, 2011 and should have been put through by now. He told me the hold-up was most unusual. He said that as good customer service he'd postpone my deferment end date to Feb. 12, 2012 in order that there'd be plenty of time for IBR to be in place. I was very happy with his response and when I got off the phone last week, was sure I had nothing to fret about. He sent an official ACS email to me that state I do, indeed, have forbearance to Feb. 12, 2012.

Now, only 5 days after this phone call with Jason, I see that somehow ACS has accessed my bank account and has withdrawn monies for payment of both my student loans without my authorization! As a result I have an NSF fee of $35 with my bank.

I called and spoke to Alan, a supervisor with ACS. He asked that I submit yet another email (I'd already sent a complaint) with my request for them to credit my account and phone him back with the number in brackets from an automated reply confirming receipt. When I phoned back, I was sent to another supervisor, Nordia, who had me write yet another email and told me it had to contain "specific wording" in order for them to do anything about it (all 3 emails have nearly the same information in them, this is ridiculous). Perhaps my other emails did not contain the correct form of "legalese?" It began, I, Christine H., am asking for a refund of the monies taken erroneously by ACS from

This run around is mind-boggling. If it didn't pertain to monies taken from my bank account, a serious issue indeed, I'd be a bit amused by the inept handling of people's money, the terrible communication and the very long wait times to even be able to connect to a customer service rep. I am amazed that this company is still in business and worst yet, that they have any kind of dealings with the youth of our country!

ACS has ruined my excellent credit, over-billed, and defrauded me. I got my doctorate from Argosy in Clinical Psychology. I was on an income-based repayment program with Wells Fargo, and my payments were automatically deducted from my checking account. They were $336.36 each month. For some reason, my loans ($160,000.00) were sold to ACS.

Things went on"ok" until July 2011. Well, not really OK. I was forced to go into automatic checking deductions because of several errors in my reported graduation year, and my loans went into repayment accruing late fees twice, in error, while I was still in school. ACS said it could only be fixed by doing automatic debiting payments, otherwise my monthly payments went towards my (inaccurate) late fees first and not towards my interest or loans.

Several months after, my loans were sold from Wells Fargo to ACS (for which I have no idea). ACS automatically deducted six times the amount I was able to pay (over $1800 as a monthly payment). I immediately called them and was told (later found out it was a lie) that I would be refunded the overpayment and that it was because my income-based repayment plan had expired. I did not receive any prior notice to this nor did I authorize the automatic checking account reduction in an amount six times what I was assessed to be able to pay based on my income.

It is illegal, but I do not know how to fix it. That same day, July 15, 2011, I printed as directed by the representative the reapplication and emailed this with my tax return twice to ACS. They claimed never to have received it. I have faxed it every month since then (six months have passed) and called multiple times per month, and they have not fixed it. In fact, ACS has over-deducted over $1800 from my checking account (not authorized) two more months!

I should be ahead, not behind. But in October 30, they sent me a bill saying I owe $4,600.00! I keep calling and sending everything that they asked. I kept getting told discrepant things by phone. Last summer, I was told that they received my income-based repayment application, and they were "just looking into to make sure all my loans were eligible." Since I was already on that program, I know I am eligible. Nothing has changed.

Then they reported 9 different times (for all the separate loans I have) that I was past due to all three credit bureaus. In December 2011, my credit card was declined for the first time ever. They drastically reduced my credit based on what ACS reported, which was wrong. I have had my credit card for 10 years and pay the balance off in full each month on time. ACS is not correcting this error for 6 months and causing me serious damage.

I have been paying on my student loans since 2/07. Always on time, and for the past year, more than the minimum amount. My original loan was for $36,905. Now, almost 5 years later, I have paid less than $1000 off of my principle amount. Much of the time, my payment only goes to interest, even when I make an over payment. When I call into customer service, I get the run around, stating they will start an investigation which will take a month. No one ever calls back, and when I call back, there is never any documentation as to an "investigation" ever being started. I have paid them over $9500, and at this rate, I will never pay off the loan.

I have been working on a loan modification with them for over two years! Due to their mistakes, I have had to go through their "process" multiple times. I finished my trial period with them over 6 months ago. They keep putting me off on a final answer. I was told on 10/4 that my file was sent to final review and that it would take up to 30 days to get an answer. On 11/4, I called and they said they made a mistake and that it didn't really go to final review until 10/30 and that would take up to 30 days from then.

I called today (12/1) and was told it was still in final review and that it could take 30-45 days. This is one example of probably 50 different issues that are handled the same way in the loan modification process with them over the last two years. Who can I go to? The attorney general? Their mistakes put me into foreclosure (which I luckily got out of) and have caused me so much emotional turmoil that I just want to walk away from my house! It is a complete joke and I don't even know how they have stayed in business.

I have had to create stacks and stacks of notes. I almost lost my home to foreclosure. I have had to take time off of workyou name it. A process that is supposed to only take a few months is still ongoing with no resolution in site after two years!

ACS decided they were going to consolidate my loans. I contacted them immediately and asked them not to do this. I wanted to be able to pay off the smaller loan on an accelerated plan. I was told there's no problem; but after repeated calls from May to August, I was told that the "original lender" had denied my request. That is a lie. No one at the original lending institution would care. My belief is that ACS is simply incapable of calculating the interest and principal correctly as I continued to make separate payments on those two loans. This is in violation of US financial law. I am filing a complaint with my state Attorney General's office and the Department of Financial Institutions. Their legal department will have to respond. I may not get what I want, but it will cost them time and money to respond.

These people call my daughters-in-laws whom I don't that were saying that I owe them on payday loan and I've done fraud and they are trying to serve me a summons. Called my supervisor at my job and asked when I would be at work and that they need to serve a summons for court. Left their name as ACS Danny ***, Ms. *** at xxx-xxx-xxx. They started leaving cursing message very vogues. They asked me to pay a $1000 on a $300 pay loan they said at Check n Go or they want to collect this money or I make payment arrangements or go to court and get arrested for this money owed.

ACS Loans refuses to accept my request to defer my undergraduate student loans now that I am in grad school. I have to call every month to get a temporary, one-month pass on my payment. The company also claims that it has no record that I am in school, despite the fact that my school is part of the National Clearinghouse program and ACS should be able to go directly to this website to find proof of my enrollment. I have mailed in the required paperwork twice and had my grad school mail in paperwork once, and still the company refuses to accept my deferral status and continues to push my account past due every month.

Send this company a cease and desist. This will limit them to only being able to contact you by mail and stop paying them. Take care of your other bills and you should be okay. When Bank of America tried a fast one with the $5 to use your debit card, it took people leaving for them to get them point.

Don't allow this company to keep ripping you off. Walk away! That is the only way to get the point across. As long as you keep paying, they will keep their shady practices going.

Like many others, I fell victim to the Wells Fargo-ACS scheme. I watch my bills like a hawk. And even though I made multiple online payments with ACS through their website, they claimed they never received a payment. This happened multiple times and has now blemished my credit report. I did not agree to work with this company and agree to their rates. 3 years later, at least 65% of my payment is working the loan off, even though I pay double the amount. If I could contact everyone involved, I would plan to have everyone who has a loan through ACS stop payment and drive this company into bankruptcy. This company is a fraud. It must be stopped.

I would receive intermittent notifications that my loan was "past due". I had set up automatic electronic transfer from my band at the conception of loan. Over the last several years, I have been notified of ACS not receiving payment and then would get an email thanking me for my remittance. I began to ignore the notices, which appeared to resolve themselves, until this past year when I would receive phone calls and notifications via US mail that I was behind on my payments. Fearing my credit rating would be affected, I contacted ACS and attempted to resolve this ongoing issue. It has been at least 8 months of going in circles. I send information, they do an investigation, and then tell me they need the same information over again. I believe they have changed lenders, which may have contributed to the confusion.

At this point, I am concerned that my loan is not being adequately credited because my balance is still very high at this point of the loan. ACS's representatives do not appear to understand "electronic transfer" terminology and seemed confused when I repeatedly reported that I have not "canceled check". I have contacted my bank who agreed that payment has been made and will work with me to provide information once again to the lender. Help, I do not have any idea where to go from here, other than contact an attorney. This is beyond harassment at this point.

Please help those who are attempting to be responsible payers of student loans. My experience has been dreadful and I have spent many hours on the phone and providing information. ACS is funding government loans and at this point, are a poor representative of our government at work. I receive weekly phone calls reporting that ACS is "working" on my account. This week, I have once again been asked to provide "proof of payment" in the form of a canceled check.

My loan was also transferred from Wells Fargo to ACS in the beginning of 2011. This has been nothing but time-consuming and frustrating for me. Within 2 months of making payments, they raised my payment rate because they claimed that my loan had been in forbearance for 3 months when it had been through Wells Fargo (which it never was). It took 7 months to resolve this issue. They deal with all complaints through email and never truly answer questions. When it gets too complicated, they tell you they will have a manager call you within 4-7 business days.

However, when that manager calls you, they do not have access to any of the emails you have been sending nor are they given any indication for why they are calling you. Therefore, you need to go back over everything you have already discussed with the emails. When I did this, she then told me she would need to look over my account and get back to me. They have no offices anywhere where clients can go in with documents to discuss the problems and it takes forever to resolve an issue, which at the point is not really resolved anyways. They have horrible customer service and offer no apology at the fact that it takes 7 months to resolve an issue that they created in the first place.

While paying off my student loan, I doubled up, many times, on my payments. The company did not apply the extra payments to the principal; they improperly applied it to the interest due. Also, in addition to not applying the extra monies that I sent in to the principal, I believe ACS misapplied much of the payments that I made to the interest amount due, leaving me with a huge balance due. After seven years of making payments and paying off over $54,000.00 on a $68,228.36 loan, ACS indicates that I still owe over $42,000.00. The initial interest of my loan, as I understand it, was 7.625%. That interest rate was reduced by one point on October 31, 2007 to 6.625% for making 36 consecutive monthly payments on time. I have never missed a payment or made a late payment. My account with ACS is completely current.

Last June, I received word that Well Fargo has allowed ACS to take over my loan. I dreaded it, because I have had previous experience with this lousy company. I submitted my forbearance paperwork months in advance and I got a letter saying they received it. Today, I get a letter saying I owe $490.00 and when I called them they said they received my forbearance paperwork, but would not process it until I made a payment. I have dealt with Wells, Sallie Mae, and Fed Loan, and never had a problem. I knew that was going to change. Who has to make payment to get their forbearance request processed? I wasn't past due or anything. I was still under my last forbearance with Wells when I submitted my paperwork well in advance.

This company stinks. I wish I could give this company 0 stars.

My student loan was bought from Wells Fargo and I now have to deal with ACS. I had automatic bill payment and never had a problem with Wells Fargo. Once ACS took over my student loans in April, I've had nothing but problems. Every single month, I have had to call them because of billing errors. I am set up for automatic bill pay, so they receive the money every month without fail. For the first four months, they would only post the money to one account and constantly show that the other account was delinquent. I had to call every month, repeat the same things, verify the same information, etc. and even spoke with managers about getting this fixed.

Then, as of August, they are now saying that they aren't receiving payments for the months of August or September and will probably say the same thing about my October payment coming up. Mind you, I am still on automatic bill pay. They are cashing the checks, but they can't seem to find the checks and post the payments to my account at all. Since the delinquent letter I received in September, I have spoken with 3 customer service reps, a supervisor and the manager of the supervisor, still nothing has changed. I submitted a copy of the August check showing that it was paid on time and cashed, yet as of this date, they still have not posted payment to my accounts. They are still stating that the last payment received was in July, but they do show that I sent "something" (the email containing the copy of the check that they cashed I presume).

While discussing the mysteriously vanishing August payment that they cashed, they informed me that they didn't show September's payment either. A supervisor then stated that I needed to send in proof of payment for September as well. I said that this was absurd and that I shouldn't have to send in copies of checks that they're cashing every single month! They are showing my account as being well over 45 days delinquent and will probably submit me to collections/credit reporting agencies even though they are cashing my checks every single month. Managers aren't calling me back, my account is not being updated, payments are being cashed but not posted to my accounts and I am exhausted.

ACS is the most disgusting company I have had to deal with. They have a call center in some foreign land which is staffed with people that have no real power. Often, those people will promise something that the company does never deliver on. ACS has an obvious company policy of frustrating costumers until they give up on their complaint. I will describe two recent incidents with them.

I just started my graduate program, which puts my loans in deferment. However, ACS took an automated payment from me during that time. I had checked the website a few days before the payment was taken and the website said that I was in deferment and no payment would be taken. Okay, this might be an honest mistake where wires got crossed so I called them up about it. The person at the call center was very helpful and agreed the payment was mistakenly taken. He said he would start an investigation which would take a month. Almost a month later, the same person called back and said that the money would be refunded. All I have to do is make an email request for the money. I made the email request and was denied.

A second incident involved an interest deduction that I was supposed to get after making a number of on-time payments. I was denied the interest reduction because one of my payments was made about three weeks early. In other words, ACS was making the argument than an early payment is not on-time. I called and got a person who agreed that this was wrong and said she would start an investigation which would take a month (always a month). Almost two months later, no one called. I called the company back and demanded to speak to a supervisor. Three times, I was promised a supervisor would call back within a day. The first time, no one called back. The second time, an employee who spoke to a supervisor called back three days later. The third time, a supervisor called back over a week later.

Both people who called back refused to even acknowledge my issue. They kept telling me that I had not made enough on-time payments. They steered all conversation away from the early payment, refusing to even acknowledge my complaint let alone, deal with it. The conclusion is that they are either complete ** who cannot see an obvious issue or this is company policy. I will go with the latter. Neither of these incidents involved a huge amount of money. They just show that ACS has a company policy that purposefully makes it very difficult for a costumer to get a complaint resolved.

I have student loans that I am still paying off from ACS from back when my kids were in college. I have emailed them several times wondering why, when I send them extra money towards the principal it is applied to the interest. They told me it has to be applied towards interest first. I finally looked over my statement thoroughly and found that even though I am paying a 5% fixed interest rate, that they often take my entire payment and put it towards interest. Something inside me tells me this is wrong and that this needs to be looked into. At this rate these loans will never be paid off and ACS will continue to make major money off my continued debt.

ACS is the worst lender I have had the misfortune of having to deal with! I had multiple loans, all of which I was paying on schedule. Then, ACS took them over (that was a mess, same complaints as all the others shown here). In June 2005, I sent in a payoff check for just under $15k. I received no information from them after the repayment of my loan, that was until Aug. 2011 (yes, 6 years and 2 months later). I have now been informed that I owe $500. They posted my funds as "pre-payment" on the account and led me to believe that the account was closed (aka: No contact for 6+ years). So my escrow company (who processed the payoff) is long gone and I am stuck with paying them another $500, on an account that is somehow already delinquent.

I consolidated my student loan with ACS several years ago. We made timely payments and paid more than what was due. We kept getting notices saying that no payments were due for many months, with no notice that interest was accruing. I thought we were getting ahead. But they did not apply these pre payments to principal. So, I owe as much now as I did in the beginning. When I call, they give me the runaround. They were not clear about how they applied my payments. They just would apply them to future payments but not to principal. It seems criminal to me. When they call, their number doesn't show up on caller ID. It shows unknown. I generally don't answer calls from unknown because they are from solicitors. Overall, I feel taken advantage of.

Hello, my name is Tarshema **. I am 28 years old. I have two boys, one is 10 years old and the other is 1 year old. I took care of them the best I could and it wasn't easy. I never had any help from their fathers. ACS came into my life after all these years I took care of them. My 1 year old's father decided one day to take me to court about seeing my son. It didn't go as he planned that day. On Sept. 14, 2011 after going court, I picked up my boys from daycare. Five minutes after I got into my home, a worker knocked on my door. So, I let her come into my home because I've got nothing to hide. She came inside and did her job. I answered every question and gave her all the information she needed. She also talked to my 10 year old. I informed her that I was in court today. And I asked her what it was about. I know in my heart that it was my youngest son's father that called. I raised my 10 year old all these years and never had any problem with the city, school, or doctors before, and never with ACS. But I am going to do whatever I need to do.

Three days later on Sept 17, 2011, another call was made. Another ACS worker came to my home with the same allegations, so I let her in. She asked the same questions and also wanted to talk with my oldest son. I did everything that was asked for me to do. I have no problem dealing with ACS because I have nothing to hide. I took care of my boys since they came into this world with no help from their fathers. I feel that the constant harassment of the different workers that came out should be stopped, especially if they can see that I already have a case regarding the same allegations. People do have lives. It emotionally affects people who try hard just to get by everyday. I do believe that it is good that people out there really love their children. And they try their hardest not to let their children go without anything. If possible, I would like my story to be on the internet, news, or newspaper. Thank you.

I have two boys, one is 10 years old and the other is 1. I take care of them the best I could and it wasn't easy. I never had any help from their fathers. ACS came into my life after all the years I took care of them. My one year old's father decided one day to take me to court about seeing my son. It didn't go as he planned. That day, Sept. 14, after I picked up my boys from the daycare, 5 minutes after I got into my home a worker knocked. I let her come into my home because I don't have anything to hide. So she did her job, I answered every question and gave her all the information she needed. She also talked to my 10 years old.

I informed her that I had court today and what it was about. I know in my heart that it was my youngest son's father who called and that I raised my 10 years old. All these years in ACS, I was never called on but I am going to do whatever I need to do. Three days later, another ACS worker came to my home with the same allegation. So I let her in, she asked the same question and also wanted to talk with my oldest son. I did everything that was asked for me to do. I have no problem with dealing with ACS because I have nothing to hide. I took care of my boys since they came in this world with no help from their father. I feel that the constant harassment of the different workers coming out should be stopped, especially if they can see that you already have a case regarding the same allegations. Also, those people do have a life and that it emotionally affects people who try hard just to get by everyday.

In March 2011, I was notified by Wells Fargo that the US Government required that they outsource their student loan services, which they did to a company named ACS. At that time, my loan went into deferment through June 30, 2011. However, I continued to make payments on my loan throughout the deferment period, as I was not informed of the deferment status until late June. Since that time, beginning at the end of June 2011 when I found out about the deferment status, I have made numerous (at least 8) attempts to get information from them. I wanted to know what portion of my loan was subsidized by the Federal Government and what is not. I also wanted to know how much interest the Federal Government paid during the deferment period.

In response to my request, they continued to send me the regular breakdown of my loan, which is simply the principal, interest, and balance. However, the numbers during the deferment period have changed at least 3 times since I began asking for this information. This makes me question what the truth is. I have filed complaints with them and have received phone calls with promises of this information. To date, I have received nothing. I did not ask to do business with these ACS people. I believe there is something shady going on.

ACS is horrible and very unprofessional. No one ever answers the phone or the emails. They are useless and the government needs to wake up and see what a useless outsource company ACS is. But then again, does our government care about the US citizens?

This company is a nightmare to deal with. I never had a problem with my student loan payments or understanding the details of my loan when they were managed by Wells Fargo. As soon as my account was sold to ACS, problems began. It took several calls to correct my mailing address and to start receiving invoices. Then, they split my account into two separate accounts, with the same account number! When I sent a payment above and beyond the minimum payment, they only applied it to one of the accounts. I received a statement saying that I owed $0 and then the next week I received a statement saying that I was 14 days delinquent and that they were reporting me to collections!

Wells Fargo sold my student loans in April of 2011 to ACS. ACS has misallocated the payment amounts to each loan. I now have some loans that are reporting more than 90 days past due. When I called, the representative was rude and not helpful. Finally, I got to speak to a supervisor who said she will call me back every time I have called, which is a false statement.

I have a student loan that until March of 2011, was in Wells Fargo's hand. I never missed a payment and was actually paying a little extra. The loan was then bought out by ACS. In April, I received a letter stating that I needed to send ACS a check. However, this was not bill, just send a check in a self-addressed envelope. I called and voiced my concerns about this, but in the end, I sent them a check.

Now, they refuse to acknowledge that payment. I have sent them all of the transaction information for that transaction and they will not accept that information. They are asking for an entire bank statement showing the transaction, which is none of their business and I will not send them. At this point, I don't know what to do any more.

In December 2010, I was hospitalized with a serious illness (compartment syndrome). This event left me temporarily disabled. Recently, I contacted ACS to ask about deferments and loan suspensions, as I was unemployed, disabled and out of resources. The representative emailed me a "Temporary Disability Deferment" form. I promptly filled it out (with confidential medical information) with my doctor and sent it in. Soon thereafter, I received a letter from ACS stating that they needed "a document from my doctor, on clinic letterhead, stating the type of injury and the duration of my disability". I confirmed this via phone call with an ACS representative.

My doctor completed this letter (with confidential medical information) and it was sent to ACS. The payments were not suspended. I called a representative about the matter. "Brian" said that I was not qualified for such a deferment because "my loan had not originated before 1993". ACS implied that I was qualified for this "Temporary Disability Deferment", required me to divulge confidential medical information and yet did not suspend my payments. This is a breach of my privacy. I would like to seek legal action, but I cannot afford an attorney. Any pro bono out there?

They send emails and now bills for my student loan. I never had one and I never will. The account number is always invalid. And so, the recording states to enter my Social Security Number.

I have about 67K in student loans taken out from Direct Student Loans. I have another 20K from Wells Fargo. I am in grad school still. I have found out that on my credit report, ACS has listed my debt TWICE making my total debt about 154K - which is not correct.

I filed Bankruptcy and ACS was listed and granted discharge of them, they refuse to take my papers, I have sent it multiple times. Emailed it to them. NO ONE WILL correct this. I never contracted with them; Direct Student Loans manages my debt... so why am I getting charged by BOTH places for the SAME DEBT.

On my account stub it has my former married name from 2005! and it says my lender is the US BK NAT as TRUSTEE/BRAZOS. (Brazos was also listed in my Bankruptcy.

As of March, the student loan I had been paying through Wells Fargo Education Financial Services was all of a sudden managed by ACS. I no longer receive monthly statements if I pay in excess of the minimum amount due, their customer service reps aren't able to answer my questions, and I mysteriously had 2 payments due this month but didn't receive a second statement -- just a notification via the web that I had a payment due (I haven't switched to paperless billing).

I realized that the second payment was due when I logged on to the website to make sure the payment had gone through. I was leaving on a 10 day vacation early the next morning, and their call center was closed so I was unable to get more info about the origin of the mystery payment, which I never received a statement for but which was showing up online. I decided just to make the payment to avoid a late fee because I didn't want it hanging over my head while I was on vacation.

I couldn't find the payment address on my last statement, though, and their automated phone system was down so I wasn't able to get the address that way. I then tried to find the address on the web. They don't have the payment address online, which seems incredibly bizarre, so I sent the check to their surface mail contact address in Utica, NY that's listed on the website. Nearly two weeks later, the payment still hasn't registered.

I'm now overdue on my payment thanks to this bizarre second payment due on the same date as my previous payment. A rude and impatient customer service rep said my check hasn't been processed because it was mailed the wrong address (never mind that the right address isn't in writing anywhere). She snidely told me that I should have sent the payment to an address in Pittsburgh.

When I explained why I wasn't able to find that address, she continued to be rude and said there was no way to estimate how long it would take to process the payment. She said that once it was received in New York, it would be forwarded and that no late fee would be assessed for 2 weeks after the payment date. What she couldn't/wouldn't tell me was what would happen if it took longer than that for the Utica office to send the check to the Pittsburgh office.I never had a single problem with Wells Fargo. They sent me a statement every month, regardless of whether or not I was ahead in my payments.

Their customer service reps were always courteous and knowledgeable on the rare occasions that I needed to contact them. ACS has been a horrible experience in comparison and I am incredibly dissatisfied with their "service."

My husband works for a Title I school and is eligible under the federal teacher student loan forgiveness program to have $5,000 of his student loans forgiven. Shortly after he sent in his application materials for student loan forgiveness, Wells Fargo sold his loan to ACS Education Services. Since that time, he has had to transfer the application to ACS, which denied his application, stating that he does not work at a Title I school. He has sent numerous responses and proof that his school is a Title I school and that he qualifies for forgiveness of $5,000.

We have had a Minnesota Department of Education official confirm the Title I status after ACS claimed that their research department followed up with the "Department of Education" and received no response. We gave them a direct contact, and she also emailed them herself confirming the status.

We owe a little over $5,000 right now. Our next payment in July will put us under $5,000. We do not want to pay them more than we have to, fearing that we will never see that money refunded even if the loan forgiveness goes through.

They have also combined our two loans and required a higher monthly payment, making me think that they are charging higher interest.

We cannot get someone directly in their research department. Customer service refuses to forward us to someone.

I recently filed a complaint against ACS on behalf of our daughter. Too soon yet to know, if filing the complaint will help her situation. Those of you who have listed your complaints might want to consider doing this for yourself.

ACS is a part of the Xerox company. I phoned the Ethics Office below at the help line number. My complaint was taken by a third-party service, who gave me a reference number and an email address to follow up with. Within a day, I had a response from the ACS Ethics Officer that my complaint had been received and forwarded to the appropriate people to follow up.

I currently have/had 3 loans with ACS, and have never been late on a single payment. I was upset to see they combined my loans without asking, increased my loan amounts by $550, and increased my interest rates higher than the combined average. It looks like over the life of my loans I will pay almost 1k more for the "convenience". To top it off, they sent me a letter notifying me that they "helped me out" with this change. This is very disappointing; I hope they are not taking advantage of all of their customers this way.

Originally, I took out $67,000 dollars in student loans. Over the past 10 years, I have been paying $323/month on my loan with ACS. During this time, I never made a late payment! It was taken every month from my checking account. Last year, I decided to pursue a leadership certificate at the University of Rochester. At this point, I placed my loan in deferment. When I was done with the program in September of 2010, I called ACS and they told me that I had 6 months to set up payment again and begin paying my student loan.

In January, I received a letter from a student assistance program indicating that I was 3 months delinquent on my student loan account. I never received a bill or a phone call from ACS or even a letter telling me my loan was no longer in deferment. I asked for copies of the letters they claimed to of sent and they could not produce them. I then spoke with Jennifer ****** from ACS. I explained my situation and she agreed to complete a credit correction and reversal. I thought this meant that I would have this delinquency removed from my credit report AND that I would still be entitled to the 1% reduction for paying my student loan on time.

My original agreement (which I have from 10 yrs ago) states that I have to pay the first 36 months on time and that entitles me to the interest reduction. I paid this company 10 YEARS on time and now because I was provided inaccurate information, they are trying to take this interest reduction away from me. This would amount to over 6000 dollars! Isn't there an attorney out there that will take a class action suit against this company? The complaints are ridiculous and they seem to be robbing people of their money. Somebody please direct all of us.

My wife and I have been paying her school loans back since October 2006. The starting balance was roughly $90,000 and started with ACS Student Loans service. The loan has changed hands twice and is now back with ACS Student loans. We have made every monthly payment of $607.10, so currently we have sent them $30,000 but the balance we still owe is $84,000.

I was told by ACS that if I wanted the balance to go down faster, I needed to catch up the payments and pay additional to the principal-what! I told them that we are a payment ahead, not a payment behind and that I sent an additional $100 to principal of which only $50 was applied. I have all my canceled checks. Now, what is wrong with this picture!

This is putting us in an economic hardship. The damage is we are about to lose our home and this money that we have been paying is doing nothing to reduce and satisfy the loan! We are responsible for the loan and pay before the payments are due, and still being told that the payments are not satisfying the principal. If and when this gets paid off, it will take us more than 30 years for a student loan.

My school loan was originally $32,664.85. Four years later, a statement is received from ACS reflecting an outstanding balance of $28,382.83 at monthly payments of $241.15. It's unbelievable. There's an absorbent penalty for late fees; interest increased without notice, and ACS is getting richer at the expense of students just trying their best as possible to do the right thing. I have maintained payment history that certainly contradicts ACS's numbers. As with most of us, we are struggling in a weak economy to maintain without an extra penny to go unaccounted for to mega financial institutions with a mission to get rich by any means necessary.

ACS's business ethics cannot continue unchecked. Miscalculations at the expense of the consumers by anyone are unacceptable and unethical, a matter that is being pursued legally to the fullest extent possible.

This middle eastern or east Indian-accented individual identifying himself as "Simon **" called and said that he was from the legal department at ACS and that there was a legal claim against my social security # and if I didn't pay money that he was going to forward it to headquarters and then I'd have to go to the courthouse to settle the matter and if I didn't do that, he would have people "visit me to make me pay". I hung up on him and he called back and left a message on my cell phone with the same information. The caller ID said the number he was calling from was **. I reported it to the chief of police, Doug Murphy, in Harper, KS.

We have paid all of our payments to ACS, starting August 2009. ACS said we did not pay our January payment, yet it was deducted from our account. Bill Pay was the vehicle we used to pay this bill and despite Bill Pay contacting ACS with proof of our payment, ACS has refused to credit us with the missing payment. We have been charged late charges and our credit score has taken a tremendous hit. We have decided to pay the missing payment again in hopes it will stop our credit rating from dropping further. I only wish I knew of a class action suit against ACS. I would join it in a heart beat. As I mentioned before, we are out another payment and our credit score is shot.

These people keep calling my job and my cell phone. They are harassing me about some pay day loan they say I owe. They threaten me with being arrested and they use very vulgar language. I am being harassed at my job which is very annoying.

I have a student loan with ACS, and set up online bill paying approximately a year ago. I also have a student loan with Citibank, and pay both loans online at the same time every month. Yet, every month without fail, the ACS student loan payment fails to go through online, even though I receive the "Thank you, your payment has been received" message. ACS then calls my phone, my parents, my husband, and my husband's work claiming to have not received payment for several months.

Since ACS charges a $50 late fee, I have paid several hundred dollars in late fees despite having paid it online monthly. When I called to complain, I was told that I must be mistaken and since I do not have my confirmation numbers, they are unable to waive the late fees. I am not mistaken. I pay both loans at the same time every month, and have never had a problem with Citibank. The debacle with ACS has taken a toll financially, and has also adversely affected my credit rating despite the fact that I have tried to pay this loan using their online system. It's a terrible company, very unprofessional, poor customer service, impossible to get someone on the phone without a 20 minute wait, and I find it appalling that I'm told this is my error.

ACS has my loans, a total of 4, in which 2 equal the first loan, a duplicate. I am also shown as being in default. After several attempts to confirm this, they now show my account as being in default. It has lowered my credit score substantially, which is affecting my being able to help my three kids secure loans for their college. I have also made payments each year for the interest that they do not show. And when I asked about that, I was asked to fax the checks to them, which I have done. But there's still no change on the books. They now show my account as being in default which has lowered my credit score substantially. I worked hard for a long time to get my credit in good standing. Because they are a school loan, they will never come off my credit report and will always show as being in default.

I paid Powertax $18,000 to address my tax issues; they sent some forms and a noffer to the IRS. Nothing happened. I still owed the $150,000 and I had paid a $14,000 offer of compromise to the IRS. I got nowhere but became very frustrated and light on the money. I paid then in installments; I asked for my money back and nothing happened. This is the biggest rip off service I have dealt with in my life. I found tracer consultants in the New York area and now owe nothing to the IRS, $4000 got me off with the amount that Powertax promised. I will be contacting Paul ** this week to get my money back or he can get more slagging off in the newspaper and TV. I'm up for the fight now, Powertax. I don't like being ripped off. All customers, stay away and don't spend a penny with them. They rip you off good style, $18.000 and no result. I paid $4000 to NY firm. I owe nothing and walked free.

ACS acquired my student loan from Wachovia (who also got bail out funds using my loan on their books). The amount is a little over $14K. Since I started paying on the loans years ago, my 68-dollar fee has been automatically withdrawn from my banking account monthly and sent to Wachovia. NOW, ACS says they acquired the loan. They, somehow added $100 to the amount and sucked away the first payment without my permission. Now they want me to resign an agreement. I will join a class action suit against ACS. I do not have any contracts with them and did not give them permission to double my payment. I am fighting this one.

They have horrible indian accents and you can barely understand them. I have already tried ceast & desist letters to this company with no avail. I know I dont owe them money, and if I try to argue with them they just get more and more rude with me til I hang up and then they call right back. They just tell me if I dont call them back all they can do is wish me good luck. And in the previous calls they treaten to have me arrested at work, to contact my supervisor. This needs to stop.

called them up. at first they wanted proof that my loan was at 1.75 and then then they said there was nothing they could do to help. so i sent in a letter requesting them to return the rate to its original rate but it has not happened. will call again today and will contact the state atty. generals office. also am considering legal action for this fraud. you do the math for the interest rate diff btw. 1.75 to 3% on 100k. lots of money for these fraudsters.

I have Federal Student Loans that I took out when obtaining my ADN. and BSN in 1996-2002. These loans were originally with Panhandle Plains Student Loan Center, and I was on a graduated repayment plan, and paying $307 per month. In August of 2009, a company named ACS sent me a letter, stating the loan had been bought out by them, and my monthly payment would now be $245 per month, due on the 28th of each month. I have surpassed these payments, and have the banking documentations to prove it, but they say one of my four separate loans is delinquent, because they were applying money to three accounts, but not the fourth account for some reasons.

They can not explain why this is, but it is my fault for not listing out the four separate loans, even though in their correspondence to me, it did not show I needed to itemize my payments. It showed the monthly sum due. Ultimately, this can go on my credit record, and have my nursing license revoked, and I've made my monthly payments. I asked them to go in to their accounting spreadsheet, and allocate the money, as it should have been done, and they will not do that. They just want me to pay them an extra $500 to get the one separate account up to date. How am I responsible for their bad accounting error?

I am so tired of dealing with ACS. I purposely avoided working with them for a set of graduate student loans I had to take out. My undergrad experience was not good--their payment system is always down. Unfortunately, Wachovia sold the loan to them after I graduated. These companies are never able to consolidate the information correctly; they combine old addresses and email info without regard to the information I provided to Wachovia. The ACS person on the end of the phone is unable to help, as they seem to be using an antiquated system and lack any real ability to solve problems.

I am tired of student loan companies selling my loans at their discretion. I chose my lender, and I expect the loan to stay with that company. The student loan system is set up to insure failure. After all, penalties and fees are much more lucrative than just processing payments. I have never been late on a payment, but that is due to my diligence, not ACS's.

My student loans through Panhandle Plains were sold to ACS without my knowledge. I know that I do not have any control over this, but a letter or some sort of notification would have been nice. That was my first problem. Then I got a letter from ACS stating that my account was $782.06 past due. I had never received a bill from them. I called them and they went through the whole "information verification" with me, and yes they had the correct information. They were so "confused" why I had not received a bill, and I'm sure just thought that I was saying that.

However, the truth was that I had never received a bill and frankly when I received the bill from ACS, I had no idea why I was getting a bill because I thought all my student loans were from Panhandle Plains. That was my second problem. I spent 4 days on the phone and researching. I ended up having to get a verbal forbearance to bring my account up to current since I had a brand new baby and did not want to use up money in our account for something that was not my fault. That was my third problem. Now I get a letter yesterday stating that my account is past due. Are you kidding me?

I just called them and told them that I am not the only one having these problems and that they should Google their company. They might be surprised at what they will find. That was my fourth problem. And finally, they have no idea how many accounts they are handling for me. You have my SS#, but you can't figure out how many loans I have with you. It seems crazy to me that I can go to nslds.ed.gov and see how many student loans I have and with who, yet they can't figure out. And that was my fifth problem. I'm sure I will have many more problems with them. It is so frustrating to be a law-abiding, bill paying, contributing member of society... yet my life and credit score are being consumed by an ill run company. The forbearance that I have had now had to do twice will effect my credit score. I'm sure and will be tacked onto the end of the loan. If they would send out bills regularly then I would have been able to pay my bills.

I tried to move my automatic deduction one day to coincide with when my wife gets paid. I've never seen a company be less flexible. It was literally a one word answer, No. I asked her why. She said ACS didn't allow it. I asked her why. She again said they didn't allow it. I tried to explain how simple a request this was and was again met with another rude response. I couldn't believe it. Here, I've given these people thousands in interest over the years and they couldn't even change my payment date by a day.

Let me start by stating that I have automatic payments set up through Bank of America and I have detailed records of everything. ACS bought my loan from PPSLC. I received notice in the mail and changed my Bank of America autopay to reflect the change. In January, I received a bill from ACS dated 1/10/10 stating I was delinquent and my last payment was 11/20/09. ACS cashed my December payment on 12/21/09. I called and spoke with ACS and could not get an answer as to why on a bill dated 1/10/10, it didn't show my payment on 12/21/09. She tried to give me the, "Well with the holidays..." excuse which simply doesn't make sense given the dates. After 30 minutes on the phone without a satisfactory explanation, I gave up knowing that I was sending my payment on time and they were cashing my checks on time.

This week, I get a bill dated 2/07/10 also stating I'm delinquent. This bill states my last payment was on 12/21/09 but ACS cashed my January payment on 1/21/10. I'm not going to call them again. I have sent an email but have yet to receive a response. Also, I noticed that the mailing address on the payment coupon on the bill dated 1/10/10 is different (a PO Box in Phoenix) than my payment coupon on the bill dated 2/07/10 (a PO Box in Pittsburgh).

Warning: If you are dealing with ACS, make sure you keep good records because their billing department is incompetent.

ACS bought my FSL loans from Panhandle Plains in October 2009. I made my first payment like I did with Panhandle Plains and a few weeks later, I got a letter stating I was delinquent on my account. I called ACS and they told me they had misapplied the over my multiple loans and the customer service rep assured me the problem had been corrected. In November, ACS took over my PPAL from Panhandle Plains, which I paid off in full because I had only one payment left. ACS did not send me a letter acknowledging the pay off.

Then in late December, I got a letter stating that I was again late on my payment and it had mysteriously gone up by forty dollars. When called to correct the error, I was informed that my PPAL pay off was not applied completely to my PPAL but was also distributed among my FSLs. I told the customer service rep about the price increase and she said she would look into it. About three weeks, I received a letter acknowledging I had paid of my PPAL. The next day I got the statement for my FSLs and surprise, my bill was still up by forty dollars and they did not receive my full January payment despite the fact I have the cancelled check to prove I paid them. In five months ACS has misapplied three payments and has yet to correct any of it.

The week of my house closing I am contacted by my mortgage broker freaking out. My credit report was fine and clear with a very high credit score 6 weeks ago, now the week of closing my credit report is drawn again, now I have a delinquent account with a company ACS. I am SURE I do not have a loan with this company, but according to them I am delinquent.

Now because of this my credit score has dropped 120 points!!!! My house closing is supposed to be in days, and I need to have this straightened out basically in the next few hours.

So I call their 1800 number and give my SS# and my name, fine. Now I have to confirm my address and phone number. When this does not match their records they cannot do anything to help me. I demand to speak to someone who can because this information is on MY credit report.

Finally I speak to Levon. Apparently ACS bought two of my student loans in 2008 and I had no idea. They had tried to contact me at the address and phone number they had listed in their computer system but I did not respond. However this address and phone number is not my address or phone number. They cannot give me this information of what address and phone number they had, since it was not mine, even though it was MY account, with MY social security number!!!.

So finally Levon offers to give me a forbearance, which would make my first payment due in approximately two months. I tell him I need proof stating this faxed to me immediately. He says that they mail this sort of information, and it should arrive in THIRTY days!! I say no way, and that he will fax this information within the hour, he agrees.

So an hour goes by, and then an hour and a half, now I call back. I speak to someone and they ask if I know Levon's extension. I say no. So she offers to email Levon. No I cannot have his email address either.

So again it is not sent, so I call back AGAIN. I speak to a person, who did not solve my problem and again would not let me speak to Levon, so I demand that I speak to someone who is a manager or supervisor.

Now I speak to Sevita. She informs me that they have a "no fax policy" and that my forbearance will take up to 30 days. I say no way that this IS getting done by the end of the day. So she speaks to Levon, again I cannot have his extension. Levon says that he said he would have it done by the end of the day, and not in the next hour. Ok fine, call me a liar, I do not care. All I care about is having it done by the end of the day.

So now I wise up, I am speaking to Sevita, and I ask what her phone number is so that I can speak to her direct next time rather than getting the run around. She tells me she does not have a phone number. So then I am like seriously! I inform her I will stay on the line until it gets done. She informs she that it will be done by the end of the day. I ask, "what is the end of the day according to them?" she THINKS it is 5:00. So then I demand to speak to a manager that has a reachable extension so I do not have to explain myself yet AGAIN! She then says, I have an extension. What is the difference between an extension and a phone number!?!?!?!?!

I have never had such a run around. I am calling back, again and again and again until this gets done. However from what I have read, this may take a while, and getting the run around is something I should get used to.

ACS bought my student loans from PPSLC in Aug/Sept. I had successfully been repaying all three of my loans to PPSLC for the previous 18+ months by sending a single check, which PPSLC was more than willing to split up and then apply the amounts to each loan appropriately.

I attempted to continue sending a single check for the total amount, which ACS gladly cashed - and applied solely the largest loan. They then began to harass me on the phone and my mail saying that I hadn't payed two of my loans for the month of September, which was my first month with ACS. As soon as I realized that their accounts receivable dept. was unwilling/unable to divide up a single check, I sent three separate checks in the same envelope for October. The billing department at ACS cashed all three of my checks but failed to apply two of them to any account. They lost the money I sent them! My third month, November, I once again sent three separate checks, with the memo on each check indicating the loan to which the payment applied.

Being a meticulous person, I have wondered if I made a mistake and perhaps missed a month of payments when PPSLC transferred my loans to ACS. However, I know this is not the case because my wife also has a single student loan with ACS that was transferred from PPSLC at the same time mine was. We mail my payments and her payment on the same day every month, and her loan account with ACS shows no problems whatsoever. Therefore, there is no mistake on my end.

ACS bought my student loans from PPSLC in Aug/Sept. My accounts were prepaid by two months. Their website indicated this. I wish I had made a screen print - little did I know how unprofessional and unreliable this company is. I made a payment in Sept that was more than the required payment. This is something I have been doing for some time and that is why my loans were in a prepaid status. In Oct., I needed some extra money.

Instead of missing a student loan payment (which I could have done since my accounts were prepaid) - I made a payment that covered the interest due. That completely messed ACS up. Now they have my accounts as in default. I have tried repetedly through email and phone calls to resolve this problem. I have talked to numerous people and none of them seem to have any problem-solving skills. They keep saying they need to research the account, which they apparently never do! They keep saying they will get back to me, but they don't!! In the meantime my loans are showing as past due and late charges are accruing. This is so very, very dishonest! How can I get some real help?

My student loans just transferred from PPSLC (Texas Panhandle) to ACS in August/September. My first payment to ACS would have been my October payment, due 10/14/09. I use bill pay through Bank of America. I set up my payment on 10/7/09 to be sent. ACS shows to have received the check on 10/12/09 and it was cleared through my account on 10/14/09. On 11/2/09, I received a past due notice from ACS saying that I'd skipped my October payment. I contacted BofA - Bill Pay to find out if they could fix it. Figured it was just an oversight. We contacted ACS and was asked to just fax over a copy of the cleared check. This was done on 11/3/09. They asked us to give them 2 weeks to research the payment and to call them back.

It is now 11/30/09 and we've been asked to RE-FAX the copy of the check 6 times. And each time we call back, they say they haven't received the fax and to re-fax it. In the mean time, my account is going further and further behind. They received my November payment and just applied it to my October payment. They keep sayign they're going to apply a forebearance on the account to get it current. I have DEMANDED them to NOT put a forebearance on the account. That will take it and all the interest onto the back of the loan! I paid my bill on time and they refuse to fix it. We've asked them to go to the fax machine as we fax it and they say it takes 3-5 days for a fax to come through. Then IF/ONCE they receive the fax, they have 30 days to 'research' the payment. But they will not start the research process until they get the fax! I'm so frustrated. I don't know what to do!!

ACS didn't notify me that they had taken over my student loans until AFTER they drafted my account in September, but I figured it out the next week when I finally got a letter. Then ACS did NOT draft my account for my October payments even though they sent me TWO letters telling me that I was on automatic draft with them. When I noticed that the payments hadn't been taken out, I called to find out why. The lady (Lashaun?) whom I spoke to first said that I was not on automatic draft. When I persisted, she checked my account and verified that I was on automatic draft but that it was past due. She explained that a teacher loan forgiveness payment was being processed. She said as soon as it was processed, ACS would go ahead and draft my account for the October payments and the "late payment" notation would be removed from my account. I requested that ACS send me written verification of this but have yet to receive it.

I became worried about and decided that I needed to take a look at my account with ACS. However, when I tried to register with them online, I kept getting a message that someone else was already using my social security number. I e-mailed them to find out what was going on. They responded with a link which I thought was taking me to a site where I could register. Instead I ended up with an e-mail account that I do not want. After many e-mails that did not answer any of my questions, I finally called ACS again. I spoke to Chanelle whom I could not understand. She transferred me to Rita who pretty much told me that ACS would do absolutely nothing to correct their errors.

I asked for a supervisor and spoke to Mike who confirmed that ACS takes no responsibility for their errors, will make no effort to fix them, and don't care if they hurt your credit or not. Oh, by the way, I found out why I could never register. ACS had been sending me a passcode so that I could get into my account. Instead of sending it to that secure e-mail site they set up for me or to my current e-mail address (that my previous lender used and had on file), they were sending it to a hotmail account that I haven't used for 7-8 years.

When I spoke to ACS the last time I requested that the e-mail account they set up for me be cancelled and that my e-mails be sent to my current e-mail address at the school where I work. They said they would do this. Instead I continue to receive links to the e-mail account at ACS. I have been with ACS for less than two months and I am already scared to death about what they can and are probably going to do to my credit. I honestly believe that they are doing everything in their power to make sure that people get behind on their accounts. If they're not doing this intentionally, then all I can figure out is that they are just plain stupid. If this continues, I will be writing to my state representative, my congressman, the Department of Education, and anyone else whose address I can find. I am seriously thinking about contacting my local news stations also since I know of several people just in the small town where I live who are having similar problems. I will hire an attorney if necessary. Something must be done about this company.

First, when I left to Paris on a 7 month scholarship, I asked to have my loans deferred and sent in all the paperwork. I got an e-mail saying that they had acknowledged my deferment while on scholarship, but guess what--that month they took out the money anyway. Well, that can happen. The automatic removal ceased until I came back from scholarship.

Now that I'm in graduate school the real problems are happening. If your school is part of a National list, you don't have to contact your loan company, they automatically enroll you as a student. My other loan company, Sallie Mae, still has some of my loans, and although they took awhile to register that I was in school, when I contacted them they apologized and I got an e-mail that day saying that I was a registered student and my loans were on hold (and my account reflected this.)

Not the case with ACS. I called ahead of time and was told by a teller that in October I would be given a forebearance and then in November my loans would be deferred because of my student status. I even got an e-mail confirming this. However, they took money out of my account anyway, causing my account to be overdrawn. I called them again and they "made a notation" and said I would get a refund in 45-60 days (haven't seen this refund.) In November, the month that was supposed to start my student deferment, they took money out AGAIN.

I called them again and the teller said he would "Make a notation." I told him--politely--that wouldn't be sufficient because this is what I was told last time, and this time the teller snapped at me saying that's what he was going to do and that there wasn't anything else he could do. I don't understand how with Sallie Mae they could reflect my account WHILE I WAS STILL ON THE PHONE, but with ACS they would "Make a notation" (and my account with them STILL has not registered that I'm on deferment.) I called Sallie Mae and they said it would be impossible for them to buy back the loan from ACS, so I'm stuck with them.

I have lost the money I was saving up for my wedding, my account backed up saying I was overdrawn, and I'm sure my credit report has lowered because of a forebearance that I never actually benefitted from and a deferment I'm not actually getting. They continue to lie to me by sending me e-mails saying that I'm registered as one thing and yet taking money out anyway. I don't expect to get the refund that I'm owed even though I was told that I would get a refund for both the amount drawn and the overdraft charge.

since the weekend of June 26, 2009..I and 4 other coworkers that have been employed and currently working for ACS as of June 27, 2009 have been willingly continuely relocating..further and further away from our residential home..as offered by ACS, we were told that our daily money card would be about $300 for motel stay, food, and gas..but since 6/26/09 and today 6/27/09 the card holds less than $100. Also..for approx 1week, last week in Iowa,our phones were out of receptions,without being offered a way of communication!PLEASE HELP!we need gas to get back home asap to eat and more.

I have two loans with the two companies, ACS and Wachovia. My outstanding balance with ACS is about 25,000 and 5,000 with Wachovia. They apparently share a billing department, as that is where my complaint is focused toward. I pay both statements about 2 weeks early, every month without fail. I haven't missed a payment. However, they mess up my payment, without fail, EVERY month. This isn't a once in a while occurence. This isn't a periodic occurence. Like I said, every month I have to call to straighten things out.

This is how it goes. I write two seperate checks, prepare two separate envelopes, and mail two separate payments every month. The due date arrives, and about two weeks later I receive a statement from one of the companies that they didn't receive my payment. I call to speak with a supervisor, and they inform me that one company credited both checks to just one account, leaving the other account delinquint. They straighten out the problem, only to start the process over the next month. This happens month in and month out. There was actually one month they didn't recognize my payment, and I had to get the cleared check and mail them a copy to prove I made the payment. Do you have any thoughts of how I can get them to quit messing up my payments and making me spend 45 minutes a month calling them to fix the problem.

The government needs to step in and do something about the way student loans are being handled. If the government is looking at credit card companies they also should look at student loan companies. The economy is bad and these companies don't even care all they want is the money. Something needs to be done.

I consolidated my 3 private loans that are serviced by ACS with Wells Fargo. I began the process in November 2008. The funds were applied to my 3 federal loans which are not in repayment yet. This caused my accounts to become delinquent. After numerous phone calls to ACS with no solution in site, I sent an email to the complaint resolution department and received a call a few days later from Nadine who stated she was in the process of resolving the issue and had been in contact with Wells Fargo. She also informed me a portion of my funds were applied to someone elses account who also consolidated with Wells Fargo which created an overpayment on her account so she was sent a check from ACS.

Nadine also informed me the funds received from Wells Fargo were not enough to cover all my loans. My loan through Wells Fargo is in the amount $5,699.98. This amount was apparently sent in two seperate checks, which ACS is stating they only received one check. However, Wells Fargo is stating that both checks were cashed. I have been receiving calls and letters from ACS stating my accounts are past due. One of my accounts is now in default status. I have also had to take time off of work attempting to get the issue resolved.

I can't say enough about how awful working with ACS/Wachovia is! I am a very meticulous person; I keep records of my school loans and stay informed about them. While I'm quite able to admit when I've made a mistake, my problems with ACS/Wachovia are not because of any errors on my part.

I feel like people need to know what I'm going through at the moment so that they can make an informed decision about their education loans! Going through Wachovia is an easy start-up process, with fast approval and low interest. However, these people are at heart a loan company. They will, at the first given chance, try to take advantage of you. I am a college sophomore who has attended university continuously and all of my education loans have been through Wachovia. I transferred after my first semester, and have now been a student at my current university for three semesters.

My problems began when I transferred. I was told all my paperwork was in order and that Wachovia was aware of my transfer. They assured me that they knew I was only transferring, not leaving school. I thought all was well and went on my way happy as a clam. Now, though, I'm dealing with a loan that is delinquent, because they claim I didn't properly notify them of my transfer. They also tell me that I haven't been going to school full time, when in fact I've been overloading so that I may graduate in four years.

I have gotten no paper statements for this delinquent loan, no emails- just a slew of collection agency calls in the past few weeks. The loan status is not visible on my online account, either. There is no way for me to pay it, even if I could access an online or physical payment method. Aside from that- I'm still in school. I've never left school. I've sent in two official enrollment verification forms, neither of which Wachovia seemed to receive.

Meanwhile, the customer service agents are rude, curt and not at all helpful. Also, most of them barely speak passable English. They give me canned responses that are obviously not personalized. It took my mom and I two back to back conference calls, today, with ACS/Wachovia to finally get anyone to tell me what I needed to do to forestall this default. I'm sorry to say it, but we both had to get extremely angry before any of the representatives would give us any good information.

This is unacceptable, stressful and ridiculous.

ACS claims that they cannot get the statements that they sent me for the last six months. I asked them how do they satisfy their auditors. The problem is that they sent me a statement sometime in the last six months, which said I had prepaid, and that I did not have to make a payment until March 2009. Now they claim I am delinquent. And they put me on forbearance which I did not request, and they claim that I requested the forbearance. they claim that they cannot see the comments on the statements that were sent me, either, and they finally said prove it! which I can't without the historical statements.

the forbearance made my payment go up and my credit go down.

ACS has been nothing but trouble ever since the company I consolidated with was bought out by them. I am on a graduated payment plan, and the payment goes up without prior notice and even if you make the payment on time for the month, the payment goes up in the middle of the month and they charge you a late fee for not paying the new full amount. They have done this to me twice. If I could find a different company to take these over, I would do it in a heartbeat. They also take at least 4 business days to post a payment. Do they only have one person working there? I have some friends in the Ohio Attorney General's office that im going to be consulting about this, because this seems to be in violation of fair lending laws.

I refinanced my student loan quite a few years ago, and no matter what payments I make on it, the balance never lowers. In fact, my balance has gone from an original $23000 to now $37000. I can't get ahead because they keep increasing my loan as the money I pay never reduces anything. They just keep adding more and more interest to it. I'm never going to be able to get this loan paid off.

They have refused to work with me regarding payments at what I can afford to pay each month. I haven't been able to make payments at times because they just keep raising the amount. I'm now only paying what I can afford to pay. As a single parent, I have to work within my budget and I want this loan to show some reducement, not just keep growing. I feel like I am being ripped off and taken advantage of. I regret ever consolidating my student loans with these people. They have only made my situation worse, not better. I am glad I found this site and to see that I am not the only one this is happening to.

They keep raising my payments, keep adding so much interest to it that the loan is continually increasing, not decreasing. It has hurt my credit and it's putting me more in debt.

My school loan was origionally 5,100.00. Eight years later ACS sends me a bill stateing I owe another 4,900.00. So in eight years I have only paid 200.00 off this loan? Come on that dosn't sound right. Exspecially when I had a cotract for them to withdraw 50.00 from my Bank of America account. Later when I was overdrawn on my Bank of America account, they proceeded without permission to try and withdraw from my Wells Fargo Account. Later after I talked with anotheroperater from ACS, who would not give her name, but says that on her computer that I have paid almost 2,000.00 off but said I still owe the 4,900.00. They have made a big miscalculation and I am know seeking help on how to sue this company. I will most likely be suing in Los Angeles superior court.

Upset and feel that I am being forced to pay extra money than I owe.

In March 2006, I accepted an offer to refinance previously consolidated student loans. ACS/NextStudent altered my promissory note and I have spent three years trying to get them to make good on promises to fix to my satisfaction the mess they made. I've contacted the Education Ombudsman, Congressman Waldon and am now working with the Arizona Department of Financial Institutions. So far nothing has been done to resolve the problem or compensate me for the intentional infliction of emotional distress this has caused.

A student loan that started at $71,000 now has a payoff amount of $176,073.12. I've lost three years of ability to reduce the principal and I have extreme mental and emotional distress. I see the altering of the promissory note as a form of Identity Theft

In a nutshell, have been trying to straighten out my loan situation for years. I lost my engineering job in '01, and have not been able to find a job since then that would allow me to keep making payments on my student loan, which ACS services. It was originated by Sallie Mae, but no one has been able to find records confirming that. It has been sold several times in the last few years. The interest rate has just been increased from 5.5% to 8.25%, with monthly payments of $550.

I have exhausted all of my options for deferments, forbearances, etc., yet they are unable to offer me any other options. They call and call, each time I speak to a different person who has no record of previous calls, actions taken. Sometimes they say I have deferment time left. I tell them I know for sure that I don't, but they refuse to listen, or take any action to confirm. A supervisor threatened to hang up on me once, saying I was arguing with him. I simply do not know what to do about this. I'm 50, live in a room in my mother's house, and take home $300 from the only job I am able to find. I requested an application to apply for loan forgiveness, but they wouldn't send it to me, and gave me no reason why.

Nervous breakdown, trashed credit history. Unable to find job in the field for which I got this student loan for 8 years.

My wacovia loan is now being handled by ACS and they have reported that I was 150 days late on my credit report when my account has always been in forbearance or deferment!!! My credit score is suffering and I can't get a hold of them!!!

I am repaying an education loan I took out for my daughter with Key Bank. It is being serviced by ACS. 5 out of the last 6 months I have gotten calls from debt collection agencies telling me that that are trying to collect a debt owed to Key Bank. The number left by these agencies turns out to be Key Bank. I called the number the first two months told the bill had been paid then the calls stopped until the next month. I contacted Key's customer service and they said they would have someone call. Never happened. I contacted them again this month and they said they would have someone from another department contact me. Still waiting.

I contacted ACS and they assure me the payment was received and was on time and they did not delay letting Key Bank know. Every payment has been above the minimum and has been on time. I make the payments on-line and have confirmation numbers and tranfer verification from the bank. I have contacted the NYS Attorney General to determine what kind of guidelines there are for being contacted by education loan providers and have printing out a complaint form to file on Key Bank.

I called their generic customer service line (they call me on Sunday, but don't have reps at the education dept on Sunday) and have gave the operator a very curt message that I want to be contacted by a person ASAP. The July payment may have been a day late due to a scheduling error on my part for the online payment, however all other payments have been on time. The phones calls stop every month. I don't know if they have impacted my credit rating or not.

A few months ago I made a large payment to my account to be applied to the principle. I contacted ACS ahead of time and arranged this.

Each time I call I am told the problem will be fixed and to wait. In the past I was told 30 days, today I have been told to wait 21 days, before calling back. As always I am guaranteed that the problem is fixed. 100% Guarantee... Yea right.

My account is currently marked deliquent, because they are no longer withdrawing money from my checking account automatically. All of this a result of trying to make an additional payment on my principle.

These people are IMPOSSIBLE to deal with if you have a problem. They handled my loans for years perfectly. Of course I didn't have any problems until now. Bottom line, it's a faceless organization and it milks that for all it's worth. For that reason alone I would not do business with them.

My student loan was granted a discharge due to permanent disability on January 25, 2005. I have a letter from my lender stating the loan was paid by the Guarantor. As I understand Dept of ED had 60 day to determine my discharge would remain on conditional disability discharge for the three year period. On October 12, 2005 my loans were re-instated and given to ACS. Is it legal to take a long that has been declared paid by the lender and nine months later without my knowledge re-sell my loan to ACS. In Oct. 2005, I received a notice from ACS and ignored it because I believed it to be a scam since my loan was discharged.

I suffer from Mental Illness and I have to request a disability discharge of a student loan from ACS that I never had with them. My loan was discharged and I have a letter stating it was paid. The process to request a discharge so far as taking a toll on me emotionally and physically. I have been denied three times since April 2008. ACS, Conditional Discharge and Dept of Ed medical review believe they who have never met me or examined me know my mental status. They refuse to the the word of an expert on my mental health, my doctor. How can their medical review board decide when they never examined me. ACS is wrong to seek payment for a loan that I was told was paid and the Dept of ED shows on my Credit report as closed.

This loan showed up on my credit report by the entities, the original lender, US Dept of Ed and ACS. One loan, three times on my credit report. lowering my credit score. which prevents me from buying a home with my husband.

Due to my Bipolar Disorder, I have contempled suidice because of the manner in which ACS and the Dept of Ed has treated me when I call them. I have lost weight, and am depressed and stay in bed for weeks. I went to the emergency room for help because I wanted to kill myself.

I had student loans in rehabiltation with the Dept of Ed. After a year, the loans were transfered to ACS for repayment. ACS continues to report the loans payed as late because I do not pay the interest in full (total of about $4500). I contacted the Dept of Ed but have yet to have the problem resolved.

Meanwhile, my credit score has dropped over 120 points for doing what I thought was the right thing. I would have been better off ignoring the Dept of Ed since the loan was over 10 years old.

Credit score destroyed! Job in danger

This morning August 6, 2008 my Caller ID registered a call from ACS. My wife answered the phone to a request to speak to James P. S. She advised the caller that I was "out" and asked what this was in reference to as she was my wife. Her question was answered with a question as to when I would be home. She told them that they under law could tell her as his wife. The female told her that she was an Account Representative with ACS. That's when my wife asked was she a Collection Agency, which James P. S. she was looking for and how did she get our phone number? She never identified that she was a Collection Agency nor would she identify which James P. S. she was trying to reach. A violation of number 10 of Section 807 FDCP ACT.

My wife called the 215- back and spoke with her supervisor William H. who relayed that the person they were trying to contact was James P. S., III. If this Account Adjuster had relayed that in the initial conversation, my wife would have told her that she had reached the wrong number. When questioned as to why our number was used he said that it was the number he (my son) was using. This statement was a flagrant lie as all of his debt was incurred while he was still married, living in another City and obviously a different phone number not ours.

Apparently, this person never reviewed the paperwork which would have given her his contact number. All she did was look up the name without noting the III on line in the. How else would she know to ask if she was speaking to Ellen, my wife's name? My son's x wife's name is Leigh. I looked up ACS and the phone number on my Caller ID. The information is below. 807. FALSE OR MISLEADING REPRESENTATIONS [15 USC 1692E] A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

(10) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

I am 70 years old retired on Social Security. I deeply resent this abusive and deceptive behavior and seriously hope that you can stop it. As an aside, my son James P. S., III is financially insolvent after an ugly divorce and has communicated with all of his creditors to this fact. Please help me. Most Distressed

I have 2 student loans which are currently in repayment. I send in the proper amount every month. I have bank statements to show the checks are being cashed for that amount. ACS_WACHOVIA claim that i am behind my interest has gone up. I send the ACS account 100.46 every month but it gets recorded as anything but that amount. I send the Wachovia account 50 every month and they claim that account is also behind.

Furthermore i sent 2 payments to each account in Dec 07 because i spent the whole month of January in the Philippines. They claim i never made my January payment even though on my account history on their weewbsite it shows 2 payments in DEC 07 ACS sent me a letter after i called and explained the problem stating that they are investigating and that i was to continue with my normal payments. The next letter i got said i was about 250 overdue

MY INTEREST RATE HAS GONE UP

I am a military veteran who graduated college using his GI Bill which did not ever actually pay for my college degree. I was assured by the military, the college, my teachers and community that my modest state college education would be paid for after having served overseas in a military campaign and paying into the GI Bill. It was a scam!

I am being harrased on a weekly basis, sometimes daily, by ACS and their guaranture by automated telephone machine message and agents who continue to call my cell phone and use hours of air-minutes. I am always polite, never hang up the phone and repeatedly confirm with them my SSN, Phone, Name, aong with the phrase I do not have any new information. I have always been polite and informative with their staff, yet they continue to harrass me and calling numerours times during work, while I am at church on Sunday mornings, and even after I get off the phone after having spent sometimes half an hour explaining my circumstances over and over again to different people from this institution.

I am a military veteran who used his GI Bill to pay for college and was not afforded the opportunity to have financial aid provided for me in a timely and fair manner while I was a student at The College of New Jersey. I have always been honest, cooperative, and informative to ACS and the Student Financial Aid office at The College of New Jersey. I can not afford to pay a bill that I already served in the military to have paid. In addition I also can not afford the numerous weekly, sometimes daily phone calls that the automated computer system ACS uses to my cell phone which is costing me hundreds of air-minutes. Please help me. I have done all I can do, and this institution will not treat me fairly or with respect to my rights as a consumer and a US Military Veteran who was never given adiquate funding throug the GI Bill, US Marines and US Army National Guard to pay for his college degree.

over $3000 not accountable for in overcharges.I would like to consolidate my loan but i can't because i would like to settle the overcharges first

This is causing me problems with entering the Ph.D program I have been accepted into for the fall. If this is not straightened out by them then I have no way to cover my tuition and will be dropped from the program.

i am shown as being late on my credit report which is damaging. this can prevent me from future loans