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Last updated: Nov. 29, 2017

376 ACS Consumer Reviews and Complaints

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Verified Reviewer
Original review: Nov. 29, 2017

ACS has changed names/ownership with no notification. Now I cannot log in to the new company to pay my bill. There is a class action lawsuit and I'd like in on that to make up for the late fees they are soaking on people. Plus I read that IE is the only browser that MAY work, well I don't use IE. Anything to soak us for late fees I guess.

Verified Reviewer
Original review: Nov. 28, 2017

I am going to echo what others have said! If there a class action lawsuit happening please count me in. ACS was acquired/merged with Conduent and now I can't log on to pay my student loans. I have been paying on time since I started in 2014. I tried logging in to pay and it kept saying the action was unavailable at the time. When I tried contacting them via the "Contact Us" form, it requested my SSN and then said I did not have an account with them. When I tried to register again, it said I DID have an account! I live abroad so I can't be wasting additional money trying to call and being placed on hold for a ridiculous amount of time. I fear what others have voiced: that this Conduent/ACS situation is a scam to ruin us.

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Verified Reviewer
Original review: Nov. 18, 2017

Unable to access my accounts since Conduent took over. I called reset my password and they assured me it would be a one process. I did this successfully. Attempted the next day and still cannot access my student loan accounts. They must be making some good money on late fees! CONDUENT says a password reset was sent but never was! Several attempts made in past month. Finally they sent one email at 6:00 am and code was good for 60 minutes. I have again sent emails and have tried to access my student loan accounts with no luck. Lawsuit, count me in! This is unfair to consumers to be denied access to their loan accounts!!

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Verified Reviewer
Original review: Nov. 8, 2017

I am so angry I gave this scam artist 350.00 promising to have my student loan dismissed. I sent them in a bunch of personal information. The email address is **. Guess what? OLSA never received anything from them, turns out they would not have dealt with them anyway. I want my money back from these dishonest scam artist.

Verified Reviewer
Original review: Oct. 28, 2017

First off I would like to say that if there is a class action lawsuit happening please count me in. ACS was acquired/merged with Conduent and now I can't log on to pay my student loans. I have been paying on time for almost 10 years now. When I try to log in it to pay it says it can't perform the action at this time so I tried it a few days later and still the same problem and when I tried to enter my SS# it said the number was not in the system. Tried making a new account and it won't let me because I am already in the system but my SS# is not. How does that happen? Tried calling for assistance (at 4:30 PST on a Friday), was transferred and a message said the office was closed until Monday. This really feels like a scam to throw a late payment at me and knock down my credit. I hate this and I hate that I can't do anything to fix this. I am trying to give you my money, **! What more do you want!

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Verified Reviewer
Original review: Sept. 15, 2017

I am currently in a $0 repayment status under the Income Based Repayment Status Program (IBR). I found out while try to get financing to purchase a house that ACS is reporting monthly to all 3 credit Agencies an actual dollar amount greater than $0 (ex $349) and not the current repayment amount of $0 under the IBR. The lender explained to me that ACS is suppose to report to the credit bureaus the actual repayment amount and not the amount of what it could be if I wasn't in the IBR program. So I called ACS on June 19, 2017 and spoke with a representative who told me to send in a written request along with my credit report (showing what was actual reported) to the their credit department for review to have my actual repayment reported correctly to the 3 credit bureaus.

After allowing several weeks to go by, I did a follow up call on September 15, 2017 to find out that they still haven't report the actual repayment amount of $0 under the IBR plan. I was told by the representative to send another follow up request. I am not understanding why is it so difficult for ACS to report to the credit bureaus the correct repayment amount and not some made up amount. Their unfair actions is hurting my credit score for purchasing a home. I am curious to how many other people they are doing this to who are under the Income Based Repayment Program?

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Verified Reviewer
Original review: Aug. 16, 2017
June 16, 2017 - I received a letter dated June 1, 2017 informing me what my repayment would be for ONE YEAR ending May 2018. I called in June's Payments because the letter arrived 2 days after Payment Due. They told me to go online to set up Auto Payments for July on... And I would save .25% on the interest rate.

So I did. In July ACS took almost 3 times the amount in the letter (over the amount paid in June). They said they changed their mind, what??? For real??? NO HELP. They put my bank account in the negative. I went to my bank with the ACS Letter and the FRAUD DEPARTMENT deemed it FRAUD and returned my money and overdraft fees. ACS told me I had to reapply??? So I did. Still nothing.

THEN a LETTER TELLING me my PAYMENTS had been INSUFFICIENT FUNDS. WHAT??? YOU MEAN the MONEY THEY STOLE that the FRAUD Department returned? Not insufficient. Just wrong amount. Still trying to pay July... August I get another letter saying I lose my .25% discount because of insufficient funds... Ugh ugh ugh. Get your crap together ACS. Help help help. I am trying to pay my loan. ACS stinks!!!

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Verified Reviewer
Original review: July 28, 2017

Today I tried to call the customer service line. It took me 25 minutes of waiting on hold to talk to a real person. I haven't been able to pull up their website for over a week now when I have been making my payments online, every month, for years. The guy I talked to even tried to access the website himself in several different browsers and said Internet Explorer was the only web browser compatible with their website. It's 2017. What kind of student loan service builds a website that's only accessible in IE?

Verified Reviewer Verified Buyer
Original review: July 8, 2017

I've been a responsible borrower and paid my student loans serviced by Great Lakes, who consolidated to Conduent, who consolidated to ACS. In 2008 I inquired about PSLF programs, since gov't website states to contact my loan servicer, which I understood it as ACS, for info about consolidation. ACS told me my loans were already consolidated. As a teacher in a nonprofit school, I continued to pay faithfully on loans with 6.625% interest rate for 9+ years believing I was close to qualifying for PSLF in October 2017.

ACS failed to tell me that I need to consolidate with FedLoan Services. After 9+ years and now I am close to retiring, I must still work an additional 10 years (120 consecutive payments at nonprofit school) because of ACS's incompetence and deception. FedLoan told me there are many folks in my situation... so let's mobilize and sue ACS. They make money and deceive student borrowers with impunity. Let's pressure the government to penalize ACS with a hefty fine, refuse to renew their contract as a student loan servicer with the federal government and then require ACS to repair damages and to reimburse all who join this class action lawsuit against ACS's incompetent and deceitful practices. I've already written and complained to 14 members of the U.S. Senate HELP committee who oversee contract renewal for federal student loan servicers. I want to know that my voice is heard and that my effort to get justice in my case is fruitful.

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Original review: June 8, 2017

This company needs to be investigated by the government. I would be interested in filing a class action lawsuit against ACS. They are abusing the process and being protected while scamming people out of thousands and holding them hostage to negative credit reporting and years of interest payments. This company is preying on people's inability to pay off their total loan amount to make money. My loan amount has doubled since they bought it yet I am paying an additional 60% every month.

I have paid well over the original loan amount plus a considerable amount of interest but they say that my payoff to date is exactly the same as when they purchased the loan! When I try speaking with them they don't have a professional loan advisor. It's a telemarketing, script reading person that has no authority or education to discuss loan matters! I've tried to talk to them about settling the loan but they have no interest in doing so because they are making so much money off me. They don't want to help you settle your debt, exactly the opposite, they want you to be in debt with them for life because they are making millions. We need to report this company and someone needs to investigate their business practices thoroughly.

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Original review: April 29, 2017

Their customer service is virtually non-existent. I can't access my account information because their website seems to think that I both do and do not have an account. When I try to sign in it says "The account doesn't exist." When I try to make a new account, it says "An account has already been used" under my SSN. When I call, it's impossible to get to a human, and I keep being referred to the website! I paid my bill, but received a letter that the debt is being sent to collections. I can see that they cashed my check, but can't contact them to figure out why I am still being told I didn't pay! This is not the first loan servicer to pull this kind of crap with me. These companies intentionally make it difficult to manage your own account so that they can fleece you with late fees. I am so sick of this borderline criminal activity.

Verified Reviewer
Original review: April 27, 2017

I could go on for years about how terrible this company is. If there is a class action lawsuit, please God register my interest here. I graduated from M.A. in 2006 and my loans, originally Chase, were moved over to ACS. From 2005 to 2013 I worked as a charity worker and I made my monthly payments on time every month, which were close to 15% of my pre-tax income. They were almost always applied to interest rather than principal. So after 8 years of regular payments the loan was the same if not more.

In 2012 I started my own business and soon with the challenges coping with start up costs found myself unable to meet my regular payments and accruing late fees. IBR wasn't yet an option. Eventually I found myself delinquent. In 2013 I applied for a forbearance, still accruing interest at 7.25%. After 3 years of financial instability and forbearances, I finally pulled my head out of the sand and applied for IBR. I live and work overseas and IBR wasn't available to me until relatively recently. The result of ACS not being accustomed to foreign tax returns means that after my first application payments were miscalculated and far too high - higher than the original monthly payment that I couldn't meet!

After speaking to them I reapplied with more information, during which time I was slapped with late fees. I assumed they were processing my application. After 2 months I had heard nothing. I called them to find out that my loan was delinquent. ACS claimed to not have received the application. This led to my asking for another forbearance (interest still applying and late fees still outstanding) and applying to IBR a 3rd time. I asked for my late fees to be waived until I could catch up on payments and was denied.

This time my application was received and approved and I started making regular payments. First I noticed that despite paying ACS directly online, and the funds leaving my account, they would sometimes not apply the payment for a week or more, meaning that my payment was still often late and eligible for a fine. When I applied for ACH (automatic clearing house) to avoid this, I received a confusing letter that it was not allowed because of my parent's name on my account [the account is in my name]. Because I had assumed I was enrolled successfully, and didn't receive any notification that I wasn't, this led to another missed payment + late fee.

I soon realised my payments were being applied to cumulative late fees, not the monthly payments, and because of this, new late fees were being applied. I had to call up to figure out what to do and after speaking to 2 different representatives on 2 different occasions and explaining I couldn't make payments of $2000 to bring my account up to date, I was told that my only option was to ask for ANOTHER forbearance to bring my loan up to date. Then, once the forbearance was applied, I would have to apply for IBR AGAIN, for a FOURTH TIME. When I asked what would happen if I didn't get the IBR processed in time for next month's payment, and couldn't make the payment the advisor told me to "get it in as soon as possible."

[Not to mention that at this point I had sent all original payslips and tax documents to them and no longer had them on file, because they had insisted on originals - only to find out that they don't keep them and shredded them, and weren't able to give me any of the figures I'd supplied them with - important because of the fluctuating exchange rate.]

I duly applied for the IBR 'again', my 4th time, the very next day. In the meantime my monthly payment shot up from $125 to $400 or so. Having learned from previous mistakes I didn't "assume" that the application had been received. I sent 2 emails via the customer service email service and received an automated response that they would be in touch within 48 hours [they weren't].

I finally called them, only to find out that 1) My 4th IBR application, sent on the 24th of March, was "received" and put on file for processing on the 14th of April. It would take 7-10 business days to be processed. My payment due date is April 28th. Customer service advised me not to worry as it would be processed "almost instantly", but that if it wasn't, there was another option. He explained that I could apply for another forbearance for that month only, then when the IBR was processed, could start paying from May; 2) My application for the waiver of late fees didn't exist/had been lost.

Sooo... I kept monitoring the situation every day to see when the IBR would come into effect, keeping in mind that it could take 7-10 business days. Finally, on April 25th, because the IBR still wasn't applied, I called ACS customer service, to be told that it was still processing and that if I couldn't make the payment, that my account would no longer be current and I would get another late fee. When I asked if there was any way of applying a forbearance the adviser said I had run out of forbearance time and that there wasn't anything she could do to help except ask for my application to be expedited (keeping in mind that at this point the application was sent to them a month ago). This phone call ended in tears, with me asking why I had been advised to apply for the stupid forbearance in the first place, as the whole point was to get my account current and now it was causing more trouble than if I had just kept paying under IBR!

After calming down, I resolved to call again on April 26. I explained the situation to the adviser (at this point it takes 10 minutes just to try to explain) and asked what I could do now that the forbearance had run out. She looked at my account and said "you have forbearance time left, I can apply it now". So now I'm in my umpteenth forbearance, which will take 5-10 business days... Last adviser says it will cover this payment period even if it's approved after the payment due date of the 28th but I literally can't trust anything anyone from ACS says to me! So I'm waiting for the results of my 4th IBR application, and easily my 5th or 6th forbearance.

I don't believe for a second that both my IBR applications and my loan waiver application were lost. Or that my original IBR documentation was lost. I believe that ACS holds onto payments and applications as much as possible to create more debt and fees for their clients. At the very least I am employed, in good health and without dependents. How anyone who's struggling financially can navigate this faceless bureaucracy with success is beyond me, let alone those who are under stress and duress due to family or health issues. These seemingly insurmountable complications and incredibly complicated conversations have led to my feeling like I am doomed to a life of debt. This is reprehensible behaviour. PLEASE SOMEONE START A CLASS ACTION LAWSUIT LIKE IN MASSACHUSETTS! Obfuscation & usurious practices to keep people in debt.

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Verified Reviewer
Original review: April 15, 2017

ACS is a servicer. They are supposed to help you figure out alternatives to avoid default. They did not. I am lucky enough that the guarantor of the loan, American Student Assistance, told me that I qualified and should apply for economic hardship. ACS always told me that I've already exhausted all my deferments. There are different types of deferments and they were trying to avoid telling me about the economic hardship deferment. ASA stayed on the line with the lying ACS agent while we spoke about it. This is the only way I was able to get a point in my favor.

Previous to applying for economic hardship, around August 2016, ACS agents lied through their teeth about my IBR forms received. They held them longer than usual for it to reach another late payment to be able to apply it to "due amount" and force me to pay it before I could enter into IBR and postpone it. That is not all, one agent told me that my IBR application was approved and everything was in good standing and that the system on my account would update shortly... It never did update so I called back and the next agent said she had no information that my account was in good standing. I don't understand how a company such as this gets away with so many violations and not get banned by the Department of Education.

I am currently in Economic Hardship deferment, but not thanks to them. Do not take advice from this servicer to what they say is hardly ever true. Talk to the Ombudsman and your guarantor, also be proactive and calling the servicer and raising your voice with ConsumerAffairs. I am currently considering a lawsuit against this company.

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Verified Reviewer
Original review: March 22, 2017

I have paid my student loan FOR YEARS and had to change my checking account a couple of times. Each time that I have done this instead of it being easy (like changing your payment with a credit card) my account goes into some sort of holding status and my next payment is not credited so it appears that the payment is late. For some reason their archaic website does not very quickly identify the new checking account until another month goes by. When I or my husband has called about this issue, they just give you the runaround. This company sucks, their website sucks. I cannot wait to pay this ** off!! We even pay more than the minimal payment and the principal balance just sits there barely touched again FOR YEARS!!! I realize that I took out this loan but I will NEVER do that again. If I can't pay with cash/payment arrangement/scholarship I will not go to school. I have been paying on my student loan for at least 20 years. POS!!

Verified Reviewer
Original review: March 20, 2017

For eight years - 1998 to 2006 - after receiving my graduate degree (in December 1997) I consistently paid on my student loan, only to see my loan balance continually INCREASE - from the original debt of $37,000, to $45,000, to over $50,000, then to $62,000, then to $70,000. And now ACS is apparently selling my information to other soliciting companies in the student loan collection/reduction/consolidation business (e.g., Student Assistance Corp., Certified Solutions Center) claiming that the figure is over $79,000. My graduate loan started with Direct Loans (William D. Ford Federal Direct Loan Program). Around mid-2000, my loan was apparently handed over to a company called Northwest Education Loan Association; correctly or otherwise, I began making payments to NELA.

In July 2002, I received notification (from somebody called AFSA Data Corporation; a possible precursor to ACS, with a "Borrower Services Department" address in Utica, NY (although payments were to be sent to a P.O. Box in Phoenix, AZ) that my student loans were being consolidated, via an outfit called SLCC (Student Loan Consolidation Center). Then, beginning in the fall of 2002, I began receiving correspondence - and payment coupon books - from a company called ACS.

I began making payments to ACS, and continued to do so, even after my partner lost his Silicon Valley tech job (after 12-1/2 years) just before Christmas 2003, and even after we relocated from San Francisco to Palm Springs for less expensive housing, and a lower cost of living. He found another job (doing I.T. for a hotel/resort) and I got my real estate license (and took a series of accounting-related temp jobs, in the interim, trying to make ends meet). Making less money, and less consistently, the ever-increasing student loan payments became a struggle. Although I began to make money as a Realtor, he lost his job as I.T. manager for the hotel/resort (after 4 years) in September 2009. By then, my outstanding loan amount had somehow ballooned to over $55,000.

By October 2010, NELA - not ACS - was threatening wage garnishment on a loan amount they claimed was now over $62,000, through a company called General Revenue Corporation. I filed for an income-based repayment program (IBR) that was apparently processed without issue at the time (although I'm uncertain by whom; apparently the payments I had been making to ACS since 2002 had not been forwarded to either NELA, or to Direct Loans). From that point, in late 2010, I began to get simultaneous billing from ACS, as well as from a company called Student Assistance Corporation, as well as from a company called GC Services.

My partner took what was supposed to be a contract-to-hire job in late June 2010; however, starting in September 2010, he began having black out episodes, again in late November, in February 2011, and finally in April 2011, that resulted in trips to ER, and ultimately, a week in the hospital. In November 2011, he was diagnosed with moderate stage 2 prostate cancer. Meanwhile, he wasn't working since April 2011. I filed a Forbearance Request in 2013, 2014, and 2015, via Student Assistance Corp., which went smoothly enough (in fact, with the renewal in the spring of 2015, I was told by the Student Assistance Corp. rep assisting me over the phone, that - given both the age of the loan, the enormous accrual over time, and the escalating financial burden - that the loan itself would eventually be written off. No, I didn't believe her).

After cancer surgery in June 2014, my partner finally went back to work - part time, at first, a couple days a week - in October 2014. But the outstanding, mounting debt, loss of income, and medical expenses finally got us an eviction; in January 2015, we moved in with a friend, as roommates. I tried to file a renewal of the forbearance in 2016 but now was very brusquely told that I no longer qualified; the reason given was the Supreme Court decision in June 2015, that now defined our legal relationship on a Federal level as a married couple; and that, as a married couple filing jointly (for 2015) I would no longer qualify for a forbearance, income-based payment reduction, balance reduction, or other repayment assistance programs. My response was that I could not afford an additional expense of $983 per month.

From that point forward, ACS has become especially aggressive, sometimes calling as many as 6 times a day (in addition to calls from Student Assistance Corporation). I realize that I'm not alone, but it's no exaggeration to say that this situation has ruined our lives. I'd have no issue paying the original borrowed loan amount - $37,000 - at the original 5.125% rate, and at the $220 per month installment amount, but despite years of payments, the outstanding amount has tripled since graduation.

No wonder millions of American lives have been ruined, with the U.S. economy in almost continuous stagnation, and housing beyond the practical reach of all but the most wealthy (very often, foreign national) buyer. There appeared to be a glimmer of hope towards the eradication of this massive, growing, plague of student loan debt under the prior administration, but that was effectively blocked, and the likelihood of any sort of relief would now appear hopelessly lost.

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Verified Reviewer
Original review: March 14, 2017

I consolidated my loans after graduation and only went into deferment once but I still made some payments when I had the extra money. I paid on this loan for almost 9 years, the beginning balance was $32201.00. I paid over $17920.00 and when I got the chance to re-fi with the federal government I found that out of the $17920 they only applied a little of $6000 to the principal. They kept over $11000 for themselves. Where does someone like me get help. Please, please do not use this company for anything. They will rip you off and then hide when you need answers.

Verified Reviewer
Original review: March 8, 2017

My tax return was taking quite a bit longer than years past - I am head of household, 2 dependents - as typical had earmarked my return to pay off certain debts, purchase tires for car, put money aside for my kids' braces. After a months time, I logged into IRS site to track my return and found a notice that my return had been directed to the Tax Offset division and my entire return was given to unknown source to resolve a Dept. of Education loan. No notification prior to this was given to me regarding the status of my loan, who the loan servicer was nor did I know which account it was.

I have 9 different student loans and tracking their status has been nearly impossible. Not once have I received any correspondence from ACS regarding my loans, I have no idea what loan was paid off or down, what my balances are, or how to even begin to find a workable resolution to the student debt chains that have crippled my ability to function in our credit/debt driven society.

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Verified Reviewer Verified Buyer
Original review: March 4, 2017

Well, here I am on the other side of the rainbow... I paid off my ACS Loan last February 2016!!!! My 56,000.00 student loan debt. I used the equity in my home to get rid of it. This was so painful, the years of trying to negotiate with these people was impossible. I was locked into a rate of 8.00%, they would not entertain lowering it unless I went back to school to get more loans to get another consolidation!

Well people after a year of paying it off. I checked my credit... and lo and behold ACS is still haunting my nightmares! ACS had specifically reported the wrong information on my Experian credit report! They reported me as a negative non-payer and negatively submitted a claim with the federal government to recover the insured amount I "supposedly" did not pay. So forget about the congratulations letter! They are claiming they closed my account, in bad standing! Well I have the payoff, and wire transfer to prove it, and it is also in their own account system showing I paid it off... What is going on over at ACS? Are they double dipping? Asking the government to cover my loan anyway after I already paid it off??? So shady!!! I am reporting my case to the feds... ACS had 12 months to clear my name, and they have yet to do it!!! Shame on them!!!

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Verified Reviewer
Original review: March 1, 2017

I recently checked my credit report and there are two reports from ACS, stating that I am at least 90 days overdue with payments for my student loans (for almost $9,000). First of all, my loans were bought by another company almost three years ago and I am current with them. I don't understand how it's possible for them (ACS) to report to the credit bureaus when I do not have a loan with them anymore. So, I contacted ACS in regards to these reports and they told they would inform the department that reports to the credit bureaus and it should be rectified within 30 days. I'm not content with what I was told and I am planning to contact a lawyer, if I do not receive a response within thirty days. This is absolutely ridiculous! I'm so glad that I researched other complaints and it's very clear that ACS is scamming other customers.

Verified Reviewer
Original review: Feb. 10, 2017

Another one of the many ACS victims! I have basically the same story. My experience with ACS has been one that no matter how long or how much I pay I find myself in a deeper hole "owing" ACS more than when I started. I attended an acupuncture and herbology university where I incurred my debt during which I had a change of heart so to speak and decided that I wanted to have a more immediate impact on people so I went to paramedic school.

For coming up on 20 years I have been in the EMS/fire industry. I want to settle my debt for many reasons but I'm thinking less of of the one where I want to be "a productive member of society." It seems they prey on integrity and have no concept of what is just or caring. What is our recourse? I have paid consistently more in interest than to the principal for years now with no end in sight. Their math doesn't make sense. They are truly predatory. I don't know how they can live with themselves. But it's probably not nice. If anybody has any idea on what we can do, anybody they think may be able to help, please let me/us know!!! Thank you.

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Verified Reviewer
Original review: Feb. 7, 2017

So I contacted my attorney general and state senator and even the majority leader about ACS (still no reply back). I see that so many other people have done so too. I don't know what to say about this company. When I talked to the lady on the phone she seemed so full of herself that when I told her because I had no idea who she was or why she was calling trying to phish for my information that I would be calling my fin aid office to see about who she was, she replied to me with "good luck" in a very sarcastic manner.

I am so frustrated right now with them for destroying my credit score. I was just about to go find me a place to stay because I can no longer stay at my current residence due to the price hikes on rent. So if they do not contact me back I will no doubt be homeless considering you can't get a place anywhere around my area without a decent credit score. Thanks to them falsely reporting that I am delinquent for 3 months, I can't do anything. How is it only 3 months that I am delinquent but not a whole six months? I don't know how being on a forbearance for 6 months allowed me to be able to pay for 3 months of that time. I mean 3 months no money and all of a sudden I have money to pay for the remaining 3-since when? My husband didn't get any extra money from work and nor did I.

I see that the federal loan servicer is getting sued now but it seems like it will be dismissed and students are going to be forced to continue working with such a terrible company. I can see you garnishing my wages which if I was making enough money don't you think I'd be able to pay the insane amounts that they want us to pay back. I have to pay back a min 400 and max 787. Not even sure how they factor that one out. And instead of them garnishing wages they rather destroy your credit score.

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Verified Reviewer
Original review: Jan. 26, 2017

I have had a consolidated student loan with this company I have been paying on (automatic payments) since 2006. I just found out by accident that they sold my loan to Navient back in June 2016. I was not notified by neither ACS nor Navient about my account. I don't check my account since it's autopay. Upon looking closer, the last payment was May 2016. Last I checked, I thought I had a balance around $1200 and figured it should be close to being paid off in the next few months. Researching Navient, The balance they say I owe is over $2400, and it is in forbearance because I'm currently in school. I DID NOT ask for a forbearance at all. I have been making payments to ACS the whole time I've been in school. Why/Who are they to change the conditions of my loan WITHOUT any communications asking or letting me know? This is highly upsetting to me that this can be done without someone's knowledge.

I've recently discovered in the last 2 days now that there are lawsuits out against BOTH, ACS and Navient. Hardworking people trying to do the right thing, and this happens screwing with people's lives and credit! And to make things even more frustrating, neither company has an email address to contact them. Being I'm in Alaska and work, being able to call them during their hours is difficult. Totally frustrating to say the least. :(

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Original review: Jan. 19, 2017

I came across this review as I pondered the outcome of a newly filed lawsuit and frustration I have had with trying to pay off my student loan from law school. I graduated from NCCU School of Law in 2005 and have paid more each month, only to see the lion's share go to interest. As a tester, I sent ACS a cashier check for $3000.00 with principal only in the memo. Can't wait to see what happens. Today, the federal government sued Navient, formerly part of Sallie Mae, for allegedly cheating borrowers out of their repayment rights. I will monitor this situation to see what happens and see if said entity that we all feel consumer animus toward will be ripe for the same action.

Verified Reviewer Verified Buyer
Original review: Jan. 12, 2017

ACS claimed that I had a student loan from more than twelve years ago. I am just hearing about this now, and they tried to garnish my wages. They are not a legitimate company. In attempting to "resolve" the issue, they claimed they needed my email. That was used to try and steal more of my personal data. I did not use their website and did not ever log in to the account that was created for me. All of you need to begin researching them immediately. They are a computer company that steals personal info. off of your computers. They were created to prevent HIPAA violations by scanning computers for account numbers, social security numbers and birth dates.

They are now involved in student loans because they generate and create documents with this data. What you need to do is immediately file with the CFPB and your state's attorney general. Do not delay in doing this. Instead of spending time talking to ACS, spend that same amount of time each day researching student loan fraud. Do not give them a single dollar; it legitimizes something that isn't legitimate. Do not despair. Many people are fighting this. Help each other, and pass the word.

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Verified Reviewer Verified Buyer
Original review: Jan. 11, 2017

When I left grad school in 2003, my balances were approx 45K. Now the amount is at 64K. When I questioned the amount, I never felt satisfied with the explanation. Having always been in economic survival mode as a struggling therapist in CA, I didn't have time for an in-depth inquiry. I have planned to follow-up with the school to see what information JFKU has on original amount. I was in deferment for economic hardship as an MFT intern. Have been on IBR for several years. When I forgot to renew, $600 was taken from my checking account without permission. I received a renewal letter with a past date for payment which guaranteed I would be late and owe a late payment. Based on the low reviews I would be interested in a class action lawsuit against them.

Verified Reviewer
Original review: Jan. 9, 2017

I have been paying this company for over 13 years and all I seem to do is pay interest. There is zero customer service help. How is it fair that you can refinance any other loan in this country but not student loans? When I re-consolidated the interest rate at that time was 8%! This company/servicer is the absolute worst. I don't understand how they continue to be in business. It's like extortion. Where does all the money go we all pay them? You would think they could at least hire and train a solid and reliable customer support team. How is this business practice legal? At the very least, it's unethical. There has to be a better way.

Verified Reviewer
Original review: Nov. 29, 2016

We've been paying consistently on our student loans and our loan balances have INCREASED. We've never missed payments and the balance still goes up. It's interest upon interest upon interest. I don't understand how this company hasn't gone under or been put out of business. I hope every single employee there goes home at night and hates themselves. They disgust me. They've ruined our lives. We have no issues paying the original amount we borrowed, but our loans have tripled since we graduated. If there is a class action, I want in.

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Verified Reviewer Verified Buyer
Original review: Nov. 26, 2016

ACS Garnishment of Wages - I don't know who this company is or even if I ever got a loan from them I don't even qualify for a student loan and they wrote me an email saying they are going to garnish my wages and recoup their student loan.

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Verified Reviewer
Original review: Oct. 12, 2016

This company has been a thorn in my side since 2004. I have been paying on these loans for the past 12 years on and off due to in school deferments and military deployment. I have had my account broken up into two without my consent. I have paid thousands of dollars of interest and hundreds toward my principal. I have tried to reconsolidate with another company and every time I try or the other company tries they change the status of my loan in a way that they can't give out my information at the time.

This has happened on multiple occasions. I have been charged the same late fee two or three times in a row and was told that they pay off any outstanding interest before anything else. That's bs. The customer service is a joke. I'm sorry but I want to talk to someone who speaks good english and can't hide behind a transcript. All in all this company has caused enough stress in my life and I am tired of wasting money with them. Please let's get together and stop them.

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Verified Reviewer
Original review: Sept. 30, 2016

My problems with ACS go beyond the fact that they are almost impossible to get a hold of and that their email function on the website is a scam - you email them and they send an automatic reply saying they'll get back to you within 48 hours but that never happens! Other issues: So I got a loan of $4000 from my graduate school and my school has a forgiveness program where every year that you work in your field, a percentage of the loan is forgiven. Well I got most of the loan forgiven seeing as I'm a Registered Dietitian and this job title falls under the forgiven positions. Unfortunately ACS declined my last year because I switched jobs and my title is no longer Dietitian although I perform the duties of a dietitian and health educator (which also qualifies for forgiveness) and probably more.

So the reps (who are usually nice but have no control over anything) told me to simply word the letter differently which I did but am still waiting for it to "process". It's literally been processing for several months and I call once a week and am on hold for about 20 minutes each time and get the same answer, "It's processing". Even though on the website it shows my loan is "Past due", the reps tell me not to worry and that will disappear once it's processed although the first time it was declined, this past due status did not disappear. I also was told that they reported to the credit bureau that I was not delinquent because the loan was "processing", yet I have no proof of this happening. I am now going to call my school and ask if there are any other loan servicers that I can work with but I fear I will never be able to get a hold of ACS and have them get the loan to someone else.

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ACS Company Information

Company Name:
ACS Services Corporation