ACS Education Services

2015-07-09

Arco, CA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Complaint: I try to submit a payment online to acs ( https : //www.acs-education.com/CS/Jsp/general/home.jsp ) and the website constantly fails. There is no one to speak to, and I can not email someone my complaint about their website. When I try to contact the original servicer of the loan XXXX they inform me they can not help. Meanwhile, I might get assessed late fees because I can not make a payment.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-07

Appleton, WI

Can't repay my loan

Student loan: Non-federal student loan

Can't decrease my monthly payments
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-06

Downers Grove, IL

Can't repay my loan

Student loan: Non-federal student loan

Can't get flexible payment options
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-06

Billerica, MA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Having problems with customer service
Complaint: This was a charged off loan by ACS. After XXXX plus years of payments no monthly bills were sent to the correct address and no phone calls by them occurred asking for payments. They had cell phone numbers for my son as the recipient of the loan and my self as the cosigner. We were never contacted received no default notice. The only reason we are aware of the charge off is because of a credit report that was pulled in the last two weeks. I am more than willing to pay what is due but in the same token I have been personally damaged by erroneous filling by ACS to the credit bureau.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-01

Phoenix, AZ

Can't repay my loan

Student loan: Non-federal student loan

Can't temporarily postpone payments
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-29

No Haven, CT

Dealing with my lender or servicer

Student loan: Non-federal student loan

Having problems with customer service
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-29

N Andover, MA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Need information about my balance/terms
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-29

No Haven, CT

Communication tactics

Debt collection: Non-federal student loan

Called after sent written cease of comm
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-29

Hinkley, CA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Having problems with customer service
Complaint: My problems with ACS Education Financing are too numerous to summarize effectively but I will try my hardest : Customer ServiceEasily some of the worst I 've ever experienced. Their website is slow and old. I ca n't easily access information such as contact info, documents, payments, etc. It 's a functional atrocity. The only online convenience they offer is payment, but sending in and processing forms must still be done by hand and postal mail. If I need to call they have limited hours, based on eastern time ( So living on the west coast makes it even more inconvenient for me ). If I email, send a payment, or basically try to contact them in any capacity it takes XXXX days for a response/acknowledgement. That 's IF they choose to respond. There have been numerous times where my payments simply did n't go through since their system just does n't make much sense. If I do get responses, it 's usually with major attitude. They try to state the obvious and make me feel dumb and beneath them. They also try to imply that I say things I did not ( even though almost all my correspondence is in email form and I can easily go back and copy/paste my responses ). My last correspondence with them resulted in them sending me the wrong paperwork I needed,, acknowledging receipt in email, saying they will process within XXXX business days, and me having to contact them XXXX business days ( XXXX weeks later ) only to receive the, " You have the wrong form '' response. Last year it took them XXXX months to file a deferment on my accounts. XXXX MONTHS. Of which I assumed they had already applied it. They never contacted me to say my accounts were delinquent when they should have been in deferment, resulting in me and my cosigner with giant hits on our credit reports, and only after repeatedly complaining and threatening with a lawsuit did anyone ever respond to me that had an actual email address and extension. Even then it was thrilling if she even acknowledged my existence. Handling my accountMy account has been bought and sold countless times so far. The original lender is bankrupt. They sold off assets to XXXX companies, who bankrupted and sold to XXXX, who sold it back to those companies, who sold it some mysterious company named XXXX XXXX. When I received notices of these actions, it was just barely in time to question them. When I questioned the sale to XXXX and sending a debt validation request, only ACS responded with old information from the first lender. This also took them an incredible amount of time, yet somehow just shy of the deadline for such requests. I was also denied a response when I asked them to tell me why my interest rates change up and down so drastically. No clear answer on that, just pages of numbers and math XXXX XXXX would have trouble with. Of course I ca n't even contact this XXXX XXXX, only ACS will handle things. Other things : They have also called my cosigner, my mother, and said some nasty things to her, all because someone made a mistake on their end with handling payments and repayment periods. Not appreciated at all. If I have to talk to a collections officer, they are very rude and leave indecipherable voicemails to call them back ( at my inconvenience ). Again, not appreciated. The level of hostility is too much, and they seem to not be able to coordinate between their accounts and billing departments. I think I have most of it here. I have to admit I have become hostile as well a couple of times, but my level of tolerance versus the frustration is extreme here. It takes a lot to tick me off that badly. So yeah, someone should check them out, or come talk to me, I 'd love to have a great conversation with the federal government about how I 'm treated.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-24

Cheverly, MD

Dealing with my lender or servicer

Student loan: Non-federal student loan

Having problems with customer service
Complaint: while checking my credit report I found a enquiry about a student loan with ACS Education Services in XXXX XXXX, NY. I call them on XXXX and spoke to XXXX about this matter and she wanted my SSI over phone andni kindly refuse to do so. I explained to here that the pulled a credet enquiry form my credit report and that was not me looking for a student loan, I 've not looking for a student loan from anyone cent in was in bankruptcy chp XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-15

Boston, MA

Can't repay my loan

Student loan: Non-federal student loan

Can't get flexible payment options
Complaint: At the age of XXXX years old, due to my poor decisions in terms of agreeing to take out private loans, and my inability to pay them when I was supposed to pay them, I now currently have XXXX lawsuits against me. XXXX is for a credit card, totaling the amount of XXXX dollars of which I had used to pay off some student loan debt, and the other for the XXXX student loan in the amount of $XXXX dollars. These lawsuits have essentially ruined my credit, have placed me in an impossible position to receive any form of refinance from any lender to lower my outrageously high interest rates with XXXX and ACS. I honestly believe that these XXXX lenders are ruining the lives of XXXX of borrowers. They are in my opinion the definition of unconstitutional and illegal and should be ashamed of their deceptive and manipulative practices. They have preyed upon thousands of young people and have placed us in a terrible predicament. Their business practices are downright sneaky and misleading. I recently spoke to both ACS and XXXX today and told them that I was filing bankruptcy due to my poor financial situation. I have been working with XXXX these lenders now for several years and it wasn't until I did a lengthy amount of internet research that I found a number for XXXX that allowed me to speak to a woman named XXXX who offered that I enroll in what is called their "interest rate reduction program." This program has NEVER been offered to me before. Every time I have called them, I am given the run around and connected to different lines and even hung up on. XXXX however was very helpful and did an over the phone application with me to see if I qualified for this program. Unfortunately, she told me that I did not qualify because I make too much money. This is almost comical considering I make XXXX dollars a year, live at home with my parents and have an insurmountable debt totaling XXXX, XXXX of that being student loans. I am not claiming to be a mathematician by any means, nor do I have my degrees in that either, but these numbers don't add up to me. Do I essentially have to be living on the street, without any form of income, and no food in my stomach to qualify for any form of relief from these lenders? After this discouraging conversation, I got on the phone with ACS and was literally laughed at. The woman who I spoke to was literally laughing when I told her I was filing for bankruptcy and was requesting to have my interest rate lowered. It had taken me well over half an hour just to locate a feasible phone number for this lender because every number posted on their main homepage brings you to an automated recording and doesn't give you the option of speaking to a human being. After speaking with XXXX lenders, I have unfortunately made the decision to file for bankruptcy. Never in my wildest dreams did I think that I would ever be in such a position because of education. I know it is very unlikely I will be able to have my student loan debt discharged in bankruptcy, but at this point I am willing to go in front of a judge and roll the dice because I am all out of other options.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-14

Odell, OR

Dealing with my lender or servicer

Student loan: Non-federal student loan

Having problems with customer service
Complaint: I am filing a complaint against my student loan creditor ( XXXX XXXX ) and my student loan servicer ( ACS ) because they : 1 ) increased the interest rate of my loan by an amount greater than permitted by the loan terms ; 2 ) sent me XXXX student loan repayment schedules that contain incorrect information ; and, 3 ) increased the interest rate on my student loans prematurely in violation of the loan terms.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-12

Portland, OR

Dealing with my lender or servicer

Student loan: Non-federal student loan

Received bad information about my loan
Complaint: I have private law school loans through ACS. I enrolled in " Checkmate II '' in order to gain a 0.25 % reduction in my interest and then pre-paid my loans so that the next mandatory payment would be in 2017. Recently ACS changed their system and announced that they would draw monthly funds from my bank account for the pre-paid loans. I complained, as I had pre-paid the loans and the pre-pay status was part of the reason I had done that. ACS agreed to not draw funds for my pre-paid loans, but they also cancelled my enrollment in Checkmate II ( functionally giving me a 0.25 % increase in interest ). This was a change to their system and it was not disclosed when I pre-paid my loans, and functions as a tax on me for doing the responsible thing and setting my loans into pre-pay status.
Company Response: Closed with explanation

Disputed: Yes Untimely Response

2015-06-09

Arco, CA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Need information about my balance/terms
Complaint: I was told that after XXXX on time consecutive payments, my co-signer would be released from my loan. I made the XXXX on time consecutive payments but my aunt was not removed as my co-signer. They told me that she could not be removed because it was based on my credit at the time. I asked them to provide me with a copy of the promissory note showing this information. They have not yet provided me with a copy of the promissory note and that was approximately XXXX years ago that it was requested. I need someone to help me because I am unable to get anything done with this loan servicer. This is just XXXX of the many problems I have ran into with them. I need help with many other things but thought I would start with the most important. I need my aunt removed as my co-signer like they stipulated in my promissory note.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-02

New Almaden, CA

Can't repay my loan

Student loan: Non-federal student loan

Can't decrease my monthly payments
Complaint: I am a XXXX who as been in practice XXXX years. My monthly student loan payments are almost XXXX of my monthly income. I struggle to make my payments every month. I am current on my loans and have never missed a payment. When I asked my loan servicer to modify my loan terms, I was told that borrowers can only take advantage of reduced monthly payments for a XXXX year period and this option is only offered once throughout the term of the loan. I understand that servicers have options to modify loans because they do so when borrowers are in default on their loans. servciers should offer these same options to those not in default.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-29

Scottsdale, AZ

Dealing with my lender or servicer

Student loan: Non-federal student loan

Don't agree with fees charged
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-27

Odell, OR

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Complaint: I am filing a complaint against my student loan servicer ( ACS ) because it changed the terms of my student loan without my consent and without giving me notice. ACS changed the terms of my student loan payments from principal + interest to an only interest payment. This complaint concerns a loan I took out to study for the Washington XXXX XXXX. Please see attached documents.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-20

Rochester, MN

Can't repay my loan

Student loan: Non-federal student loan

Can't decrease my monthly payments
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-15

Montgomery, MA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Having problems with customer service
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-08

Corralitos, CA

Can't repay my loan

Student loan: Non-federal student loan

Can't decrease my monthly payments
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-07

Arco, CA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Need information about my balance/terms
Complaint: I was a co-maker on the student loan with my son, XXXX XXXX. In XXXX 2015, I refinanced my home to pay of this loan in the amount of {$97000.00}. On XXXX/XXXX/2015, the loan statement sent by ACS gave a loan balance of {$96.00}, XXXX. I made a payment on XXXX/XXXX/2015 in the amount of {$97.00}, XXXX on this loan having refinanced my home. I now have received several calls ( XXXX 2015 and into XXXX XXXX, 2015 ) and bills dated XXXX/XXXX/15 ) stating I owe {$530.00}. In my many conversations with the representatives, I have asked for a detailed explanation of why I still owe this amount. I am very confused because the amount due on XXXX/XXXX/15 was {$96000.00} and payment of the loan through escrow on XXXX/XXXX/15 was {$97000.00}. Please help!!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-06

Plymouth, FL

Dealing with my lender or servicer

Student loan: Non-federal student loan

Received bad information about my loan
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-06

Naples, FL

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Complaint: XXXX I have sent a copy of my orders to XXXX of my lenders. XXXX of them have deferred my loans until the orders are over. The XXXX is refusing to defer my loans saying that I do not qualify for the benefit. I went to XXXX XXXX School XXXX located at the time in XXXX XXXX, MI. The school is now loacted in XXXX, FL.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-05

Lk Buena Vis, FL

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Complaint: My student loans are through XXXX and ACS. XXXX is working with me and basing my repayment on income. ACS is not working with me. I signed a statement with ACS that the loan repayment would gradually increase every two years and it had gradually increased. Now, ACS is requiring a 50 % increase in the repayment amount. In my opinion, that is not gradual. ACS states that it is their prerogative to increase and they believe that the increase is gradual. The new amount would equal approximately 25 % of my income. This is in addition to the amount I am already paying XXXX. The increased amount is equal to my food budget and now, as a XXXX year old, I am being forced to determine if I pay the increase or do I not eat? Is there any way you can help me?
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-05

San Diego, CA

Can't repay my loan

Student loan: Non-federal student loan

Can't temporarily postpone payments
Complaint: For the past year I have been trying to negotiate an affordable student loan payment on my private loans. However, ACS refuses to work with me and my payment amount keeps rising. My only option was to consolidate my federal loans to get more deferment since I could not afford to pay both private and federal loans at the same time ( {$900.00} and $ 600/month ). As a result I ca n't participate in IBR for my federal loan. My firm just did a massive layoff and now my only income is unemployment. ACS will only grant one month of forbearance and will not lower my $ 900 monthly payment. I do not want to default, but ca n't afford the montly payment. Many of the jobs that I am applying to require good credit so I may not be able to find employment once my loans go into default status.
Company Response: Closed with explanation

Disputed: Yes Timely Response