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I was paying my student loans under the IBR agreement. I have to verify my income annually. I mailed in my verification on time, but for some reason it took a month to get from the mail room to someone's desk. As a result my payment amount jumped from $250 to $800. Customer service just talked in circles, no help at all. While I was trying to communicate with them and the Department of Education, they where destroying my credit, reporting me 3 times each month for 6 months. As a result my credit rating was destroyed. To add injury to insult they would not let me catch up by paying extra. The extra money was applied to interest. For the rest of the time ACS was my loan servicer. I sent my income verification by certified mail. It is no surprise it got processed in time.
Last year Conduent sold my loan to another servicer. I have my 1098-E from the new company, but not from Conduent. I have gone to their site and logged in like I used to, but my form is not available on there. I cannot find any working contact info, and their website is atrocious. How am I supposed to get this form if there is no way to call them, and no info is available for me on their site, even though it lets me log in? Should be illegal.
ACS/Conduent Education Services is super unethical and shady. Like many others in my situation, Conduent has filed multiple negative credit reports due to "delinquent payments", which is false. Their customer service is now nonexistent/shut down so I'm unable to rectify to situation.
I have recently found out through my credit report that ACS/Conduent Education, a loan service company that works directly with my university, has filed multiple reports against my credit, because of delinquent payments. But on the report it doesn't state why my payments were delinquent. I am always on top of my loan and debt repayments; however, ACS is an unreliable company which makes repayments almost impossible. My loans first became due on Nov 1, 2018. Since that day until January of 2019, I made several attempts to repay my loans by either visiting their website or calling them.
Whenever I visited ACS's website I encountered a message claiming that "service is unavailable". This happened every single time I visited their website. Since, repayments through website was obviously not a solution, I attempted calling the company on various days at various times. I would either receive a busy tone, or the call would keep ringing without anyone ever responding. To investigate this further, I called my university's loan and financial department, and a representative went over different possibilities. They told me that ACS often has these problems, and it is very like that they are changing the service provider for those loans, and I shouldn't worry about. That was a relief to hear as ACS seemed very shady in the way they conducted business. Unavailable website and customer service can be very very alarming.
Even though everyone knows that this service provider is unethical (multiple class action lawsuits), yet for universities trust. Yet they are able to file reports. I mean if you are not a real company (no staff and no website) why are you even in business? And still have the guts to file reports against your customers (knowing that the university is changing service provider, and knowing that your website is nonfunctional). I will investigate this further, and this shall not end here. I wish they would go out business. How do you even survive multiple class actions lawsuits.
I have been in deferment due to grad school for a while now, but I still like to check in to verify the amount of my loan once in a while. Originally my loan was through ACS education, but was bought by this farce of a company. I have attempted to log in to the website multiple times on different days of the week, including weekdays at peak business hours. Every single time they claim that the site is unavailable. There is no contact, and they do not recognize my SS, as many people are claiming. I have tried to register an account and they say that my information is already on file. I don't want my loan handled by people I can't trust or even contact.
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Conduent bought my student loans from ACS at the end of 2017. The 1st loan was sold to another company within 6 months and the 2nd just a few months after that. Both only have a couple of years left before they are paid off so the interest being earned on them is not much. Conduent does NOT accept electronic payments from banks (your bank's bill pay service). The only way you can pay electronically is if you give them ACH access to your bank account. (And after working at a bank - NO ONE gets that authorization from me.)
I have been used to a certain payment amount for years however it increased under them and I ended up with a past due balance of $0.21. They called me AND my co-cosigned nearly a dozen times within 2 weeks about this. And that was AFTER I told them they could wait until the next payment was due. I was not sending an extra payment for $0.21. (Yes decimals are in the correct spot.)
Then on the 2nd loan they only gave me 2 business days notice before my account was inactivated and transferred to the new company. However, I won't be able to access my account with the new company for another 3 days. I tried using their online email message center to send a complaint but since my account was already closed, I couldn't submit it. All of this just proves they don't care about their customers and only care about the money they're making. If you don't have large loans then they don't care to provide anything but the minimum the law requires of them.
I am extremely frustrated and upset with the whole service. I can't log in and it won't recognize my SSN. Overall, the interface of the website is very poor and the service does not work, period. When I enter the password, it fills up the entire space and gave me an error message. There is no number to call to get help to log in. I set up an automatic payment with my bank, but I got a notice that I am overdue. It has been one of the most frustrating experience I have had. I don't understand why Yale University has to have a contract with a shady company with a class action lawsuit hanging over their head.
My experience looks like the same as everyone else. Log into ACS site and you get redirected to Conduent. Says they have no account information for my social security number, even though they knew my login id, hint/security question, and had my email on file enough to send me a password reset. I can't even finish filing my income tax return for this year, because I have no access to my 1098-E. I'm canceling my auto-payments sent from my bank ASAP based on the other reviews. They will not crook me out of another dime. When I get access to my info - statements, tax forms, and payment/payoff info, they'll get their next payment.
I have experienced the same issues as above in the other reviews. My account was relocated to a new company. I do not access to any of my account history nor can I reach a representative. I reached out to the new company, who is very organized, but they cannot give the information that I have requested numerous times. It is very suspicious and unprofessional. I would like to know how to gain access to my account history.
Like others here - I can't login after the renaming. I've gotten a "service you just requested is temporarily unavailable" error for days now. I try contacting them and it prompts to enter your SSN and it says my SSN is not registered, but when I go to sign up for a new account it says I already have one - WHICH IS IT?! This is outrageous. Will be paying off this entire loan before any others regardless of the interest rate just so I can be done dealing with this ** sooner.
Conduent Education Services Company Information
- Company Name:
- Conduent Education Services
- Formerly Named:
- ACS Services Corporation