ACS Education Services
Consumer Complaints
There are over 1220 complaints on file for ACS Education Services. Dated between 2019-12-03 and 2012-04-23.
Complaints Page 2
2019-09-05
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-08-27
Bohemia, NY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I requested a XXXX XXXX request for forgiveness of my loan in XX/XX/XXXX. It was not approved until XX/XX/XXXX, in which they are now today telling me requesting additional information. I asked for the history of the loan to verify that I had 3 loans with them. I am only aware of 1 loan. They are telling me it was back in 1XX/XX/XXXX and XX/XX/XXXX.
I am disputing the validity of the actual amount and the handling of this loan with this company. I would like a thorough review. Because this is harming my chances to obtain housing since I have been displaced without work since my injuries.
Company Response: Closed with explanation
2019-08-26
Louisville, KY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Need information about your loan balance or loan terms
Complaint: I have tried multiple times over the past 3 months including today to contact this company, they purchased my student loan from ACS and they have entered some wrong information into the NSLDS that is preventing me from recertifying for my IBR. I can not reach anyone EVER! This can cause my loan to go into default which would negatively effect my credit that I am trying to rebuild!
Company Response: Closed with explanation
2019-08-22
East Weymouth, MA
Dealing with your lender or servicer
Student loan: Private student loan
Need information about your loan balance or loan terms
Company Response: Closed with explanation
2019-08-10
CO
Attempts to collect debt not owed
Debt collection: Federal student loan debt
Debt is not yours
Complaint: Conduent sent me a notice in the mail that is dated for XX/XX/2019. I received the notice on XX/XX/2019. Conduent is stating that a loan from my XXXX school was sent to them to be my servicer and that I have 30 days to notify them of the inaccuracy. They are saying that I owe them {$4000.00}. The problem is that I never took a private loan, a perkins loan, or a FFEL loan through my institution. I cross-referenced all the loans I took out in XXXX school to the NSLDS database and this loan amount never shows up. In addition, I looked at all my financial aid award letters from my institution and they all say Federal Direct Loan or Federal Direct Grad Plus loan. None of them say institutional loan, perkins loan, or FFEL loan. I have already consolidated all my loans through XXXX XXXX XXXX which has serviced every loan I've had in XXXX school and this loan isn't one of them. The company is being extremely difficult to get a hold of to dispute this loan.
Company Response: Closed with explanation
2019-08-09
Gilman, IA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: Between XXXX of XXXX and XXXX of XXXX, I was repeatedly given wrong information, and misled about the status of my account. I tried repeatedly to apply for economic hardship deferments, forbearances and income-based repayment plans, but was constantly denied. The reasons for denial were ridiculous. For example, they would claim that I didn't include information that I most definitely DID include as requested. Other times I was told I wasn't eligible, or that my request " was not an option for me ''. Actual people told me those things even though I was eligible. They lied.
All this time, they very inconsistently reported information to the credit bureaus regarding the status of the account, which became delinquent ( according to them ) as I tried in vain to seek relief! Some months they reported, others they did not. Even when they did grant me a deferment for a few months, they still reported my account as delinquent to the credit bureaus. After my account was transferred to another loan servicer, I requested that the closed account be deleted from my credit report at all the credit bureaus. They have repeatedly denied this request, even though the payment history is grossly incorrect.
Company Response: Closed with explanation
2019-08-08
Main Office, VA
False statements or representation
Debt collection: Federal student loan debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2019-08-06
Cleveland, OH
False statements or representation
Debt collection: Federal student loan debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2019-08-04
Chicago, IL
False statements or representation
Debt collection: Federal student loan debt
Attempted to collect wrong amount
Complaint: Hello, I had to choose incorrect previous options because there was no option that fit my situation. I had a student loan through the University of XXXX, XXXX that is currently being serviced by Conduent Education. If you see the attached picture, their website is down as of today, XX/XX/XXXX. It has also been down frequently over the past month. I'm attempting to pay my loan which garners interest daily, however am unable to even get to their website. I do not have a contact number for their company or current paper statements, as I was urged by the company directly to go paperless for my statements. Since their website is down, I can't get into contact with the company at all, unless I use a third party, privately owned, social media platform, and hope they can fix my problem instantly. However, most people in America are not on XXXX. Or, I could alternatively gamble on a random number I find online, and hope that providing my private account information to a potentially fake company wouldn't happen. Every day I can not pay my current balance, I garner additional, daily interest.
Company Response: Closed with explanation
2019-08-02
Canton, OH
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: From XXXX to XXXX, my loan was serviced by ACS ( now doing business as Conduent Education Services, I believe ). It was very difficult to make payments on my account at times, and rather than telling me about Public Service Loan Forgiveness programs or Income based repayment, they would simply offer to put me in forbearance ; and my interest would just continue to accumulate. In XXXX, I was finally told that I had to refinance my loans through XXXX in order to qualify for PSLF. Finally, I did refinance through XXXX, but I no longer work in public service. I am currently on the Income Based Repayment program through them ; and worked for 10 years in a hospital as a security officer ; but have found that I can no longer benefit from this program. ACS 's failure to notify me of my option to pursue Public Service Loan Forgiveness is negligent at best, and now I have payments that can not possibly touch the principal. Further, to discover that the 10 years I spent in public service no longer apply to PSLF is unacceptable and extremely unfair. When I left college, my loans came to about {$25000.00}. Now, they are more than {$100000.00}. I can not possibly pay this off in my lifetime. I understand that ACS had a class action lawsuit filed against them by the state of New York for the exact same reason. I can not benefit from this, because I do not live in New York. What remedies do I have?
Company Response: Closed with explanation
2019-08-02
Clyde, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with explanation
2019-07-25
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-07-25
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-07-15
Itasca, IL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Need information about your loan balance or loan terms
Complaint: Can not gain access to my account to check what is due and when it's due. I also need the letter that states that my loan is in deferment status because as of right now all i have is an email from one of the service agents. It's just a little frustrating when you are trying to gain access to your account and all links to every web page is down or not accessible.
Company Response: Closed with explanation
2019-07-04
Oxford, GA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: It has recently come to my attention that Fraud has been created under Title 12 United States Code 73 " Oath '' and that the alleged creditor has hypothecated for a loan. It has been found as a discovery for studying and applying laws that they know to be true, correct, and unrebutted by affidavits sent. CONDUENT EDUCATION SERVICES, XXXX under Title 28 Section 3002 ( 15 ) ( A ) e is a United States Corporation constructed in ALL CAPITAL Letters for which they are conducting business with an Ens Legis Artificial Person. The true Definition of a " Person '' is a Corporation. I am not an Infant as define by Internal Revenue Service Code 21.7.13.3.2.2 ( 2 ). If the matter is not resolved, under Title 12 United States Codes 83, and 582 I will conduct a lawsuit if they stay in dishonor. " Indeed, no more than ( affidavits ) is necessary to make the prima facie case. '' United States v. XXXX, XXXX XXXX, XXXX, XXXX ( XXXX Cir. XXXX ) ; XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ; XXXX XXXX XX/XX/XXXX. Supreme Case Law and the affidavits stand as truth, The Affidavit was sent onXX/XX/2019via certified mail no. XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX and received XX/XX/2019. The Default Judgment received via certified mail no. XXXX XXXX XXXX XXXX XXXX on XX/XX/2019. See Attachments :
Company Response: Closed with explanation
2019-07-03
Northside, NC
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I'd like to receive payment history ( for amount paid ) throughout the life of my student loan. The loan was sold by the company formerly known as ACS ( Conduent ) and is now serviced by XXXX. I have all payment history from the date of XX/XX/XXXX but would like the prior 11 years ' worth of history from Conduent. Payments began some time in XXXX and there has been some forbearances and deferments during that time. When my balance was transferred over to XXXX, the high amount as reflected on my credit report says {$19000.00}. When I began making payments with XXXX, they started my balance as {$21000.00}. I don't understand this discrepancy. I need to confirm accuracy by reviewing the history in total. On the XXXX website, they state they have only received one historical transaction from ACS/Conduent and it was basically the total balance due ( {$21000.00} ). There were no history of payments. Also, there are no previous tax statements at all. My statements only go back to XXXX. When I log into the Conduent/ACS site, it just tells me they no longer service my account and to refer to the new servicer. I have tried contacting ACS by phone. However, the number is not in service. I have contacted Navient by phone but they say this is not their problem. I believe I have made at least half of the 120 payments required for loan forgiveness. However, I have no historical proof due to the way my loan has been managed by ACS educational services.
Company Response: Closed with explanation
2019-07-02
Chicago, IL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Company Response: Closed with explanation
2019-06-30
Bloomington, MN
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: Website has been shutdown for the past couple days without any notice. I am unable to submit my loan payment in time because the website is down. I am unable to contact their customer service because the website is down. This has happened a couple of times in the past.
Company Response: Closed with explanation
2019-06-30
Philatelic Center, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: ACS/Conduent 's website is not in service and their contact phone numbers are not in service. I don't know how to make a payment on my loan without using the website, I can't even find a page with information on where to mail a check.
Company Response: Closed with explanation
2019-06-30
Defreestville, NY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Need information about your loan balance or loan terms
Company Response: Closed with explanation
2019-06-29
Bedford Park, IL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-06-29
Chicago, IL
Dealing with your lender or servicer
Student loan: Private student loan
Problem with customer service
Company Response: Closed with explanation
2019-06-24
Itasca, IL
Incorrect information on your report
Student loan: Federal student loan servicing
Account information incorrect
Complaint: Im actually having a problem with the three major credit bureaus not investigating this enough. XXXX XXXX XXXX/ ( also can be found as XXXX ) inaccurately reported a 60 day late back in XX/XX/XXXX/ XXXX when I was doing a consolidation of all school loans with the current lender. They were the ONLY lender, during this process, that did not cooperate and get the information to the soon-to-be consolidating company, and during this time my loan with them was supposed to be forbearance because it was processing as a consolidation and the payout information could not change. I did that process with them, but I had no idea that they did not only not get the info to the consolidator, but they also marked the loan as 60 day late! I can not even express how frustrating this has been to get removed. They no longer exist, and I spoke to them before they were shut down by the Federal Government back in XXXX when they were sued for Millions of dollars because they were not servicing loans accurately, timely and accordingly! They were sued for the very reason Im trying to get this off my credit. You can even look at all my school loans, I never have had ONE late during all this time, except with them. This is totally inaccurate and frustrating because the credit bureaus dont seem to know what they are doing when I have disputed. I just dont get it. Im copying and pasting this article so you can see what Im talking about how they were sued. XXXX XXXX XXXXXXXX Please help me, I want to simply get this 60 day late from all three credit bureaus because its still impacting my ability to get better rates, loans, leases, etc. Please can you help???
Company Response: Closed with explanation
2019-06-21
OH
Incorrect information on your report
Student loan: Federal student loan servicing
Information belongs to someone else
Complaint: I ordered my credit reports from all 3 bureaus in XXXX because I have recently been denied credit due to my same 2 reports having lower scores than the correct report. I received the reports XX/XX/XXXX. On my XXXX, I had an odd account under the name of " XXXX XXXX XXXX XXXX '' and I know I've never had any accounts with them. I did my research. The debt on my report is listed as " XXXX XXXX '' in the amount of {$11000.00} and there is ZERO account reporting, a disconnected number and the account number isn't valid. I investigated and saw numerous reports of this happening to other consumers as well.
I then checked my XXXX report. I had 2 odd accounts using a different company name but for the same type of service, " XXXX XXXX. '' I know this is fraudulent. The 2 company names used on this report are : " XXXX XXXX XXXX. XXXX '' and " XXXX Department of Ed/XXXX. '' I further researched and the phone number is disconnected on one and the other had a different company answer and validate this was not " XXXX. '' The debt amounts are not coincidental. The amount of one is the SAME amount as the other company name " XXXX XXXX XXXX XXXX '' at {$11000.00}. The other is {$9700.00}.
Now, I did more research and found that the address listed on my credit report for " XXXX XXXX XXXX. XXXX '' is XXXX XXXX XXXX, XXXX, NY XXXX. The " XXXX Dept of Ed/XXXX '' location also lists a P.O. Box as the address in XXXX, NY. With a simple XXXX search of this address, it comes up a vacant building with no working number. So today XXXX, XXXX I received a response from the CFPB stating they couldn't process my complaint because they could not get in contact with this " company '' because it is not in the system. Well of course it isn't it is a different company working under many different names to scam people out of money.
So I did further research today and found that " ACS EDUCATION SERVICES '' has been involved in a government lawsuit just this year where they settled a {$9.00} XXXX FRAUD SUIT with the STATE OF NY who filed charges for fraudulent activities on ACS part intentionally steering borrowers into high interest plans, denying income based plans that borrowers were eligible for and ACS EDUCATION SERVICES scamming borrowers out of more money than they owe so the company can profit!!! ( All Lawsuit documents attached ) Upon further investigation, I looked into ACS and found that their publicly listed address is : XXXX XXXX XXXX, XXXX, NY XXXX!!!!!!! So ACS is part of a lawsuit that just finished up in XX/XX/2019, and now they think they can continue to defraud people by reporting false debts NOT OWED to them under different company names to try to get money??? They think people will just send them money to pay on credit report debt since they are sneaky and not attaching ACS 's name to it on your credit report?????
The damages to a consumers life is being ignored by ACS Education Services. I have faced many credit inquiries trying to get loans, tons of recent credit denials because this company is fraudulently reporting over {$20000.00} in debt on my report that is NOT MINE and NOT OWED TO THEM!!!! I have had to spend countless hours on the phone with credit bureaus, proving my innocence in this matter and making complaints with federal agencies. They need to be stopped NOW!
I have recently filed a new dispute to have an investigation launched into ACS Education Services practices at this moment in time.
Company Response: Closed with explanation
2019-06-21
OH
Attempts to collect debt not owed
Debt collection: Federal student loan debt
Debt is not yours
Complaint: I ordered my credit reports in XXXX and notices that " ACS-Dept of Ed '' was on there for an amount of {$9700.00} for a " XXXX XXXX '' NOT OWED to ACS. There is no reporting payment history/info, the account number is my SSN # and the status says pays as agreed. There is no date of last payment, payment amount, nothing! I verified with the Department of Education that this is fraudulent because they hold my loans ... all consolidated ... .all on repayment plans and in good standing. ACS is committing fraud and trying to collect money.
I know this is fraudulent reporting by ACS and I have disputed it with XXXX because of the other fraudulent accounts ACS is trying to collect money on under different business names. I found accounts with ACS 's address : XXXX XXXX, XXXX, NY XXXX on my reports and they numbers are disconnected. I saw today the lawsuit settlement from New York against ACS this year for fraudulent operations on student loans.
ACS is reporting debt amounts NOT owed to them and trying to collect on multiple credit reports under different business names but with their address and disconnected numbers. I want this account reported to XXXX to be REMOVED as it is fraudulent.
Company Response: Closed with explanation