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 3
2019-06-20
Bronx, NY
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Company Response: Closed with explanation
2019-06-17
Glendale, 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
2019-06-15
Lathrup Village, MI
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
2019-06-10
Marietta, GA
Attempts to collect debt not owed
Debt collection: Federal student loan debt
Debt is not yours
Complaint: A Certified/Return Mail was sent to this creditor, XXXX c/o ACS requesting that the account # XXXX for the amount of {$40000.00} they're reporting on my credit profile does not belong to me and it's impeding on my ability to move forward in order to secure any measurable job ; and the consistent lack of credit extension to me by potential creditors. XXXX c/o ACS must delete this unfair and erroneous information from my credit reports with all the Credit Bureaus with immediate effect per the FCRA and the FDCPA.
Thank you, XXXX XXXX
Company Response: Closed with explanation
2019-06-05
Mt Pisgah, IN
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Company Response: Closed with explanation
2019-06-02
IL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: I have a loan that is currently in repayment. Conduent was the servicer. I attempted to login to make a payment and a new message came up that states that Conduent is no longer the servicer and to contact the new servicer. I was never informed by mail, email, phone, or otherwise that the loan servicer was changed and now I have no idea where this loan has gone. I believe the loan now has a balance of {$240.00}. Original amount was {$2000.00}. The loan was originally through the University of XXXX. I can not find any new servicers or Conduent on the XXXX. How do I find this loan and resolve this. I would like to pay it off so that it does not keep getting cycled through servicers. This was inappropriate to not inform me and risk my credit.
Company Response: Closed with explanation
2019-05-21
Ft Belvoir, VA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: Until XX/XX/XXXX, my student loans were services by ACS Education Services. I joined the Federal Service in XX/XX/XXXX. I contacted ACS Education Services several times when they were my loan servicer to enquirer about the PSLF program. I was told I was on track for loan forgiveness. In XX/XX/XXXX I learned from another source that my student loans with ACS did not qualify for the program, and I refinanced my loans as the correct type so I would qualify for PSLF. If ACS had provided me with the correct information, then my loans would be forgiven this year in XX/XX/XXXX. However, since ACS misled me, I will not have my loans forgiven until XX/XX/XXXX.
Company Response: Closed with explanation
2019-05-17
Staten Island, NY
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: The acs conduent website is down and I am unable to make payments on my loan.
Company Response: Closed with explanation
2019-05-16
ND
Dealing with your lender or servicer
Student loan: Private student loan
Need information about your loan balance or loan terms
Complaint: I have tried multiple times to get a hold of the servicer by phone and email. The phone numbers are disconnected and the website says " you are not authorized to perform this function '' when trying to log into the home page XXXX XXXX XXXX I attached the information I could find on the phone numbers, one of them actually leads somewhere but it's to a company called " XXXX '' loans or something.
Payments have continued to hit my checking account monthly on the 22nd of the month as they always did under XXXX.
I have no idea what the remaining balance is on them, how to pay off early, etc.
Very similar to the other complaints I found online for this company ... Which I attached.
Company Response: Closed with explanation
2019-05-14
IL
Dealing with your lender or servicer
Student loan: Private student loan
Problem with customer service
Complaint: I am trying to pay this month 's ( XX/XX/2019 ) portion of my University loan through Conduent Education, but Conduent 's website has been down for days and I can not make payments.
Company Response: Closed with explanation
2019-05-01
Naples, FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: 1st - I sent CONDUENT a letter on XX/XX/XXXX via certified mail. I received no reply to my letter. The letter is as follows : Conduent Borrower Services Department XXXX XXXX XXXX XXXX, NY XXXX To Whom It May Concern : This letter is my formal request that you completely remove the following debt from the National Student Loan Database, studentloan.gov, any credit reporting agencies, and your records. This debt was consolidated into an income driven repayment loan with XXXX XXXX on XX/XX/XXXX, and has been recertified for eligibility every year since that time. I have also recertified eligibility for Public Service Loan Forgiveness each year. This is the first year your debt has appeared on my student loan account at studentloans.gov. I do not owe XXXX XXXX any money and I do not owe your debt collection company any money!
Please send me a letter immediately confirming that you have complied with this request. Do not call me. If I do not hear from you within 10 days of receiving this letter, I will write to the U.S. Department of Education and ask them to assist me with this request.
INCORRECT PLEASE REMOVE : Total Borrowed : {$3500.00} Outstanding Principal as of XX/XX/XXXX : {$3500.00} Outstanding Interest as of XX/XX/XXXX : {$30.00} Interest Rate : 6.80 % Date Entered Repayment : XX/XX/XXXX Most Recent Payment Effective Date : Loan Period Begin Date : XX/XX/XXXX Loan Period End Date : XX/XX/XXXX School : XXXX XXXX XXXX XXXX Enrollment Status : WITHDRAWN as of XX/XX/XXXX Loan Disbursement Date Disbursement Amount XX/XX/XXXX {$1700.00} XX/XX/XXXX {$1700.00} Loan Status Status Effective Date ABANDONED LOAN XX/XX/XXXX IN REPAYMENT XX/XX/XXXX IN GRACE PERIOD XX/XX/XXXX LOAN ORIGINATED XX/XX/XXXX CORRECT LOAN WAS CONSOLIDATED : Cumulative Payment Amount : {$0.00} Date Entered Repayment : XX/XX/XXXX Most Recent Payment Effective Date : Loan Period Begin Date : XX/XX/XXXX Loan Period End Date : XX/XX/XXXX School : XXXX XXXX XXXX XXXX Enrollment Status : WITHDRAWN as of XX/XX/XXXX Loan Disbursement Date Disbursement Amount XX/XX/XXXX {$3500.00} Loan Status Status Effective Date NON-DEFAULTED, PAID IN FULL THROUGH CONSOLIDATION LOAN XX/XX/XXXX IN REPAYMENT XX/XX/XXXX IN GRACE PERIOD XX/XX/XXXX LOAN ORIGINATED XX/XX/XXXX Sincerely, 2nd - I sent a letter to the student loan database on XX/XX/XXXX certified mail. I did not receive a reply to my letter. The letter is as follows : XX/XX/XXXX Director, National Student Loan Data System, FSA U.S. Department of Education, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DC XXXX To The Director : I sent a certified letter on XX/XX/XXXX to Conduent Borrower Services requesting the removal of an erroneous debt attached to my name that Conduent submitted to the National Student Loan Data System without my knowledge or approval sometime during the last year. As of XX/XX/XXXX, I have not received a reply to my request and the debt is still listed on the National Student Loan Data System. Would you please help me with removing this debt? I am attaching a copy of the letter I sent Conduent to this letter.
Thank you in advance for your help removing this erroneous debt from my record. Please let me know if you need further information.
Respectfully yours, Would you please help me get this incorrect balance removed from the FSA loan database?
Company Response: Closed with explanation
2019-04-27
New Orleans, LA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Received bad information about your loan
Complaint: A letter of complaint was sent to the US Department of Education, FSA Ombudsman on XX/XX/2019 due to misinformation/misrepresentation by servicers prior to and after the rehabilitation of my defaulted student loans. I consolidated my student loans and then entered into a rehabilitation agreement with a servicer who advised me that upon making 9 consecutive payments, the loan would be rehabilitated, the negative status would be deleted from the credit bureaus and the collection cost would be removed. None of these things happened upon the rehabilitation. Instead, after the ninth payment was made, I then received an invoice for an amount that I could not afford to pay. No one advised me at that time of any income based repayment plans that could have assisted me in a subsequent default. Since that time my one loan has been and continues to be reported inaccurately to the credit bureaus as 2 defaulted student loans. ( Please see the attached letter expressing my concerns in detail ).
Company Response: Closed with explanation
2019-04-26
Newnan, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: Conduent, formerly ACS, was a servicer on one of my student loans. When I consolidated my loans with the Dept. of Education, ACS was paid in full. However, they reported that they were not paid and were attempting to collect the debt through collection attempts. When I contacted the Dept. of Education, they informed me that ACS was paid in full and should not have attempted to collect the debt and needed to correct my credit reports. Then I contacted the Ombudsman Dept. who also stated that the loan was paid in full in XXXX of 2014. Although the Dept. of Education showed that the loan was paid in full, ACS refuses to correct my credit report ( late payments, delinquencies ) and it is impacting my credit. I have attempted to resolve this issue with them on multiple occasions without any success. Even though the Dept. of Education and the Ombudsman Dept. informed them that they were paid in full, they still refuse to remove the credit inaccuracies. I need assistance with this matter as I am attempting to purchase a home and it is impacting the lender 's decision. Thank you.
Company Response: Closed with explanation
2019-04-20
TN
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: In XXXX ACS took out FOUR payments at once & I need my money back, I don't need to be ahead until XXXX. Loan sold to XXXX & their # is disconnected! I literally have no clue if Conduent is my servicer because I can't reach anyone & no one is sending me bills because I'm paid ahead. Please help!
XXXX XXXX XXXX XXXX XXXX
Company Response: Closed with explanation
2019-04-18
Niskayuna, NY
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-04-18
Discovery Bay, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Trouble with how payments are being handled
Complaint: For the last five years a company called Conduent has been taking my Federal and State tax refunds towards student loans from XXXX. I have been struggling to resolve this since XXXX. Not a penny from my tax refunds from the last five years which exceeds over {$7000.00} has been reported or applied to the loans. This company continues to take take take. All numbers to contact them are disconnected. On my credit report theyre showing as XXXX XXXX and XXXX with XXXX as the debt collector. When I contact XXXX they tell me I need to go through the servicer whom is Conduent this is a complete scam! I didnt even receive any money for those loans back in XXXX and didnt attend that college course yet Im still being billed for it in XXXX.
XXXX shows XX/XX/XXXX - Loan Amount {$870.00} disbursed amount {$470.00} cancelled amount {$400.00} outstanding principal {$640.00} outstanding interest {$49.00} XX/XX/XXXX - Loan Amount {$4000.00} disbursed amount {$2600.00} cancelled amount {$1300.00} outstanding principal {$2700.00} outstanding interest {$120.00} XX/XX/XXXX - Loan Amount {$2600.00} disbursed amount {$1700.00} cancelled amount {$870.00} outstanding principal {$1700.00} outstanding interest {$75.00} On my credit report XX/XX/XXXX - XXXX XXXX XXXX {$3800.00} Opened XX/XX/XXXX XX/XX/XXXX - XXXX XXXX XXXX {$2300.00} Opened - XX/XX/XXXX XX/XX/XXXX - XXXX XXXX XXXX {$760.00} Opened - XX/XX/XXXX My tax refunds taken by Federal Owed Student Loans XX/XX/XXXX - Taken from my refund {$1300.00} XX/XX/XXXX - Taken from my refund {$1900.00} XX/XX/XXXX - Taken from my refund {$2100.00} XX/XX/XXXX - Taken from my refund {$1800.00} Money taken from my State Refund towards federal owed Student Loans XX/XX/XXXX - Taken from my State {$240.00} XX/XX/XXXX - Taken from my State {$350.00} XX/XX/XXXX - Taken from my State {$440.00} XX/XX/XXXX - Taken from my State {$610.00} I havent received a tax refund in over 4 years. All debts keep going to some Federal Student Loan but not being applied to any of the debts! All numbers are disconnected or not in service to try contacting the servicer! I am at a complete loss and feel violated that the government would allow this to happen and not allow a XXXX XXXX to be able to contact and speak to someone about the money being taken or even researched. This is unacceptable for a debt from XXXX to carry on this long and have no solution but for me to constantly be harassed by an invisible company that takes my hard earned money with no communication, certified emails or letters. I want the loans to be washed away and I want the money refunded back that is owed to me for the thousands of dollars extra that have been taken.
Company Response: Closed with explanation
2019-04-18
TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I have a total of 5 university loans that were serviced by my previous loan servicer, Conduent, which has now turned all my loans to XXXX. I looked at my credit record and say that they reported late payments in XXXX and XX/XX/XXXX, which is not true. I have been paying my loans since XXXX with no late payments. I didn't receive anything regarding late payments in the mail either. There is no working number or email associated with Conduent anymore as it says it has been decommissioned. It seems like online there are multiple borrowers that are in the same situation as me where payments were not applied correctly. I have the ability to pay off all the loans entirely so it is frustrating that they reported deliquent payments against me.
Company Response: Closed with explanation
2019-04-14
Albany, NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I had a student load with ACS/Conduent from XXXX until I consolidated my loan in XXXX. They are reporting on all three credit reports that I was 60 days late on payment XXXX of XXXX. I was in a loan forbearance while in college, and I graduated XX/XX/XXXX. I am not able to access my account on their website anymore, I get a message that I no longer am a customer, which is true, as I consolidated last year. I have no access to my previous forbearance paperwork, which was completed online. I do have proof via email, from ACS that my forbearance was granted in XX/XX/XXXX and ended XX/XX/XXXX ; therefore, they reported me for being 60 days late in XX/XX/XXXX ; when the loan was in forbearance. This has ruined my credit and I need this removed from my credit reports. During that time in XXXX, ACS was bought out by Conduent, which it is now, so I think they messed something up with my forbearance during their change of companies.
Company Response: Closed with explanation
2019-04-08
Key Biscayne, FL
Took or threatened to take negative or legal action
Debt collection: Federal student loan debt
Threatened or suggested your credit would be damaged
Complaint: The company filed a negative credit notation on my credit for a debt from XXXX, and can not be reached. it has no valid phone number. The debt was paid off the actual collection company that has the account with XXXX. The company is re-aging this debt to show it as if it was a brand new debt. The debt was forgotten by me after a XXXX bankruptcy. As soon as I learned of it, I paid it off. This company can not be reached and it did not have the account since XXXX.
Company Response: Closed with explanation
2019-04-08
Fleming, GA
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Company Response: Closed with explanation
2019-04-01
Niantic, CT
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
2019-03-22
Chicago, IL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Need information about your loan balance or loan terms
Complaint: Conduent ( ACS ) Loan service handles my student loans. The website is not active, unable to reach anyone and horrified that they cover my loans. I am unable to view history of payments, or updated information. Funny they don't seem to have a problem taking money out of my account every month.
Company Response: Closed with explanation
2019-03-22
PA
Dealing with your lender or servicer
Student loan: Private student loan
Need information about your loan balance or loan terms
Complaint: Conduent ( formerly ACS student loans ) seems to have disappeared? Their website no longer functions ( barely exists ), I am not able to access my student loan account to make changes, payments, view my account balance, or download tax documents. NONE of Conduent 's published phone numbers work. If I need to make a change in auto payment, or wanted to payoff my loan, there is no way to accomplish this. My biggest concern is this company has my bank account numbers and social security number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-20
MA
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Complaint: I am filing a formal complaint against a previous loan servicer, Conduent Education ( formerly ACS ), a company that acquired my Federal student loan in the late XXXX 's, early XXXX 's from XXXX XXXX ( I believe ). During my borrowing period, I feel I was subjected to ACS ' arbitrary and rampant fees, predatory lending practices and massive interest rate hikes. I had to defer my loan on a few occasions as I could not afford payments at the time. I continue to struggle today, as I've been repaying my school loans for 10+ years, and have another 19 years to go, as I've refinanced my loan to another servicer that is reputable. I also know that ACS was involved in several lawsuits due to bad lending practices, during the time I was a borrower of their services. I am living pay check to paycheck as my loan repayment has reached {$560.00} per month, trying to support a family of 5 along the way. I've tried to acquire my loan payment history with Conduent ( formerly ACS ), but I am experiencing tremendous road blocks as they won't publish a direct customer care phone number on the web, nor will the online account system recognize my registered account username or password. I am really tired and frustrated of their business practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-16
Greenwood, CA
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Problem with customer service
Complaint: I refinanced my student loan with ACS ( now Conduent ) in XX/XX/XXXX. I have been making payments of {$350.00} ( amount due each month {$300.00} ). Normally I get a 1098-e notification in XXXX. I didn't this year. This week I tried to prepare my taxes. I went to the website where I found out the name change.
I was able to login on XX/XX/XXXX but when I tried to access any information about my loan amounts it was empty. When I tried to find a 1098-e to download it didn't have one. I left a request for customer service. I didn't hear anything either by phone or my email.
On XX/XX/XXXX I searched for customer service phone numbers because they aren't on the website. When I called all 3 published numbers available on the web, they were disconnected. When I tried to login on the website their message was that they no longer service my loan.
I have received no information about a transfer of my loan. As the permission I gave to the company to deduct my payment is no longer valid, I have stopped payment for future payments with my bank. I don't want to be arrears for my loan which could easily be solved if I knew who my current loan owner is. I also really need the 1098-e form for my taxes.
Company Response: Closed with explanation