Complain about a product or service

ACS

Tonga of Bedford, TX June 28, 2009

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.

Darren of Creston, CA June 27, 2009

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.

coreyann of tacoma, WA May 29, 2009

My student loan balance is not going down. I keep paying the amount and the balance is not going down. I am tired of paying on this loan and not seeing balance go down. I cannot afford to pay anymore each month and ACS keeps telling me to more to the principal. How can someone pay more to the principal when the payment is 387.00 each month.

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.

Mollie of La Verne, CA April 29, 2009

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.

Monica of Bakersfield, CA May 4, 2009

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.

Jean A Lowry of Vancouver, WA March 24, 2009

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.

David of Westerville, OH March 18, 2009

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.

Roxanne of Council Bluffs, IA March 14, 2009

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.

Jessica of Pomona, CA February 16, 2009

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.

Theresa of Ontario, OR February 13, 2009

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

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