Account Control Technology [ACT]’s earns a 3.4-star rating from 23 reviews, showing that the majority of clients are somewhat satisfied with debt recovery services.
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breach of written agreement
ACT stated in the initial paperwork that individuals may not be in a position to pay the
full account balance in a single payment. They claimed to be committed to providing
assistance in determining the best resolution to my obligations. ACT claimed that their
staff was trained to discuss all available options for repayment of my debt. However, I
was only given one option. They were to automatically deduct $140 dollars out of my
checking account each month or they would garnish my wages in the same amount. At no point
did they attempt to negotiate a payment plan which would have fit into my budget or taken
into account that I am a terminally ill individual with limited resources and a low paying
job. ACT told me repeatedly that my loan was just on the verge of being bought back from a
finance company after I satisfactorily made the first nine payments. For several months
following I continued to make payments under the advice of ACT that at any day my loan
would be rehabilitated. ACT recommended that I not consolidate through the department of
education; that it was in by best interest to allow them to handle my account. Everytime
that I spoke to a representative about the rehabilitation of my loan they offerred a
different reason as to why they were unable to accomplish any of the objectives as set
forth in the initial agreement between myself and ACT.
ACT failed to accomplish any of the contractual objectives set forth in the rehabilitation
of my defaulted student loans.
The complaint has been investigated and resolved to the customer’s satisfaction.
taking money out of account
They took money out of my account when they had ample time to stop the payment. They initially said they would reimburse me for fees but they never did. They kept coming up with reasons as to why the mistake was not their fault even though two people confessed to the mistake when it originally happened. They are the rudest, most unprofessional group of women and I would NEVER EVER do business with them. I hope they never get another contract and I am sooooo glad that my fiance's account was forwarded to another company. They are so professional and diligent. It is amazing to me how Account Control Technology stays in business. The accounting department (I doubt she really was) representative that was on the phone with me was completely of no help and knew nothing of the situation. This is one company that I hope goes out of business and soon!
The complaint has been investigated and resolved to the customer’s satisfaction.
Let me see. If you have a credit card loan that you fall behind on, eventually it will be settled. Say you owe $5K. You may eventually owe double that amount. But with consumer laws affecting the credit cards, you can probably settle for $2K or $3K.
With student loans, consumers are f***ed! You owe an original loan of $10K. With late fees and other penalties that can NEVER be thrown out.
As the problem is explained in the link below:
"The problem: In 1997, under intense lobbying from student loan companies, The Higher Education Act (HEA) was amended, and defaulted student loans became among the most lucrative, and easiest to collect type of debt. These amendemnts allow for huge panalties and fees to be attached to defaulted student loan debt, take away bankruptcy protection for student borrowers, disallow refinancing of the debt, and also provide for draconian collection and punitive measures to be taken against student borrowers, includeing wage garnishment, tax garnishment, withholding of professional certifications, termination from employment, SS garnishment, and others."
Read more her about how to fight back!
http://studentloanjustice.org/problem.htm
Caller ID: [protected]
Caller: ACT Account Control Technology
Caller Type: Collection Agency
Well you should have paid back your student loan when you were suppose to! You are a part of the reason why its getting harder for students to get student loans. Have a nice day.
terrible experience
This company had taken over my school loan account and had contacted me through mail. I had called them to see what was going on with my account and why was it transfered to there company when I had been making monthly payment's with the previous company. My first encounter with this company was a very rude one. The representative was very aggressive and demanding and informing me that I would need to pay off the account in full right there and then. I did inform her that was impossible and I did not have that kind of money but I would be willing to make payments, but that was not acceptable to her and she suggested that I get the money from my family or my fiancé. She also asked me if we had set a date for our wedding, which I did inform here that we had not, and was not sure why she was asking me this. She was not helpful and did not offer any other options. She also was making it sound like I did not care what was going to happen with my account. I told her that I did not say that but I am not able to pay this loan off in full and they will not accept payment's from me. She ended the conversation saying 'Well I hope everything works out for you' and then just hung up the phone. After this phone call I was very worried and was not sure what was going to happen. A few weeks later my fiancé informed me that the same representative had called him discussing my information about my account with him. This made me very upset because the are not allowed to discuss anything with anyone who is not affiliated with the account. Once I called her to ask her why she called him she said she thought he was my husband and he would be willing to help me out. I told her that when we first talked on the phone I informed her we were not and that she actually asked me when we were getting married so she most defiantly knew that we were not. She said to me that it was noted in here computer that we were and she was going to correct it. After talking for a while she said we can do a payment plan every month. The payment was pretty high but I was concerned about my account and did not want to get in trouble so I did agree to it. After making payments for a few months I begun to notice the monthly letter they send me reminding me of my payment that will go though did not include information about my balance. So I decided to call and request a statement so I know where I stand with my account. I also was struggling making the high payments to them so I needed to speak with someone to discuss maybe another option that we could work out. Now getting back to the monthly letter they send me which is very simple, it does not have much info on it. It does include the payment I need to make and if I have any questions it does have a telephone number and a name of a gentlemen I need to call. Mind you there is no information about my balance, no account number, no ext number to this guy, no e-mail address for him, no fax number. So I decided to call and end up leaving a message on a general mail box, because there is no name directory for anyone. The next day I get a message back from a lady I have not heard of and have never spoken to before. I call back dial her extension and a young lady answers very unprofessionally and does not state her name and she answers the phone as if she is at home and not a professional company they claim to be. Anyways I asked to speak to the lady who left me a message and she informs me that she is out to lunch but she can help me. I then ask if I cold speak to the the gentlemen who's name is on my monthly letter if I have any questions. She sounds like she is unsure about what I am talking about and puts me on hold. She comes back and informs me once again that she can help me. I ask her well does that gentlemen work for this company she tells me that she is not sure. I ask her well his name is on the monthly letter that your company sends me and your not sure if he works there? She then tells me' Well this is a big company'. She then says once more that she can help me because everyone is out to lunch. So I inform her why I am calling, we first discuss the request about the statement and my balance. She ends up giving me my account number (which I have not seen until now) and she tells me I can use that to go online to log into my account. We then talk about lowering my payments. She said that they can not do that. I told here that I can not afford such high payments and they would have to work with me if they wanted to get some sort of payment out of me. She once again placed me on hold (which makes it seem like she is getting help, but from who since everyone else is out to lunch!). She comes back and said that they can. So I am thinking at this point o.k. they where actually reasonable this time. I go home try the log in on the web sit, it does work but all it show me is the payments I have made and my address nothing else, nothing about my balance which is the main thing I wanted. So I then call back, end up speaking with someone new and ask the same question, can I please have a statement or something mailed to me showing my balance. She said they could not do that. I asked why and then she but me on hold. Some one new then came on I asked the same question she also informed me that, that is something they do not do, I ask her why again, she says for security reasons. I told her I did not understand because whenever you make a payment on something whether it be a bill or credit card etc... you are able to view you balance. She said she could inform me over the phone, but I told here I would like some form of letter from them with it. She then said that she could send me one out this time but they can not do it monthly. I am now in the process to see if they actually send it to me. Am I wrong or do I not have the right to know something about my own account especially if you are getting money out of me. Now if I do not receive anything from this company and they keep giving me the run around, does anyone suggest anything on what I should do next?
The complaint has been investigated and resolved to the customer’s satisfaction.
This company called me on Christmas eve telling me I owe 20, 000 almost all of it penalties and interest for ten years of loans that were originally supposed to be on deferment. There is no way I have that kind of money and they continue to add monthly interest which will never be paid off at those rates. I let them take a one time payment until I could contact the Dept. Of Education with whom I set up automated payments. ACT kept withdrawing money even though I was paying the Dept. Of Education, so I called and had them stop which they said they did, yet a couple days later they called wanting me to pay 210.00 a month if I did not sign a form and send to them which allows for the lender they 'SELL my loan' to substantially increase my monthly payments adding interest to their applied interest. There has to be some reasonable means to deal with these student loans other than Government hired loan sharks that will bleed green from you until you die. They are very smooth in their threats and insinuations there was even a comment about them 'watching me' which was subtly corrected. And why do they want to know about my neighbors? This company is VERY CREEPY!
So act isn't a scam ? I gave them my debit card information, I'm uneasy about this they took 5 years to contact me.
Bottom line, to all "borrowers" as the ACT "former Employees" call them. Before you give these people any information, demand HARD COPIES, stating who they are, who they are collecting for, total amount, principal amount, proper communications numbers, who is handling your case, what their terms are, and ALL the facts about this account they say they have. If they say your social security number over the phone, make note of it, because that is personal information that no one should EVER give over the phone. If I say I am Bill Smith, and they spout out a social security / tax ID number over the phone, they are in the wrong because they can not prove that I am Bill Smith. NEVER give out any account information without hard copies and contact information. That should be common sense. If you don't know who they are, don't tell them anything they don't know. Once you have hard copies, and are able to verify ALL the information on those copies, then you can choose how to proceed.
I have a student loan AND worked for ACT. They are not a scam, and these posts are dated. ACT has changed a lot since then. They are very good with their borrowers and really do offer the bare minimum of what the department of education or whomever the lender is will accept. And they will split payments as long as the payment is around 150$. I realize some collectors aren't as good and friendly as others, but they do offer you what is acceptable to the government. After all, you did neglect your loan for years for it to go into default and be sent to ACT. Pay your bills! And they do not garnish your wages, the government does. It doesn't benefit the company whatsoever.
This company is terrible! I do not have any debt...they keep calling me trying to speak to someone named Bradley...I do not know a Bradley and tell them so. I get hung up on before I can finish and a few times I am called back within 5 minutes by someone new. I am turning this company over to the Attorney General's office on Monday for harassment. If it does not stop I will sue them for disrupting my privacy and refusing to remove my number from their system after I have repeatedly told them the person they are looking for is NOT at this number.
Well, every posting has helped me make smarter decisions regarding my defaulted loan. Note" "my defaulted loan"- ownership. You still can't squeeze blood from a turnip! I know that the employees are just trying to do their jobs and they probably sleep very well at night! To all former and current employees of this company, know that it is still attitude and not apptitude that determines your level of success in life.
To those who have successfully managed to pay off their debt(s), Bless You!
To those of us that are still struggling to prevent the earth from being our beds and the stars our blankets; let's try corporate prayer. It works!
ACT is full of shiite.
I know for a fact that ACT has a sales person employed with them who never even finished High School. So, not sure what kind of educational background check they do on their employees, but just because someone has experience in the area does not necessarily mean they have an education.
I agree with this about this company. They are pulling very deceptive stuff. My mother fielded a phone call from this group acting like I put her name down as a job reference with all the questions that they add with it.
I just received a message from this company, and they have tried calling me at work. I know for certain that all of my student loans are in good standing with the lender. They are trying to scam me by making bogus claims that they own a debt of mine and are hoping I will be gullible or passive enough to pay them for this non-existent account.
To the original poster: get a lawyer. To all would-be victims: don't believe that they own a debt of yours just because they say they do. They can't garnish your wages over an account that doesn't actually exist. Call their bluff. And even if they do legitimately own a debt yours, garnishment is the worst they can do to you, and it is always less than what they want you to agree to pay. They first tell you that you need to pay them in full, and that if you don't they can do terrible things to you. Then they will want you to pay some outrageous and unmanageable monthly sum, and that if you don't they can do terrible things to you. In reality, the worst they can do to you is garnish your wages (something like a fourth of your monthly income), and they can't legally make you pay more than 1.6 times the original amount of debt. They will tell you that they can, but they are lying. They make money by trying to scare you into thinking they have much more power than they actually do.
Call your original lender to find out the status of your loan, if it has been sold and to whom. If they do legitimately own a debt of yours, then immediately look up the website or phone number of your state's Attorney General's office. They will have information on your exact rights in this situation, and can tell you exactly what credit collectors can or can't do. Your collections agent will try to tell you that the information you receive from the Attorney General is wrong, again to make you believe that they have more power than they do. Pay no attention to the man behind the curtain.
Good luck, know your rights.
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Account Control Technology [ACT] emailsclientservices@accountcontrol.com100%Confidence score: 100%Supportmboeder@accountcontrol.com93%Confidence score: 93%communicationinfo@accountcontrol.com91%Confidence score: 91%supportfoundation@accountcontrol.com91%Confidence score: 91%marketing@accountcontrol.com90%Confidence score: 90%salesrelief@accountcontrol.com83%Confidence score: 83%
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Account Control Technology [ACT] addressP.O. Box 8012, Canoga Park, California, 91309, United States
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EVERYONE TAKE NOTE: Today, March 18, 2010, I contacted ACT because my loan was supposes to be sold to the originator, Nelnet, on last Friday, March 12, 2010 since I'd finised the Rehabilitation Program in January 2010. They, ACT, first gave me a month of run arounds; first saying I didn't qualify for the program that I'd just completed because the records showed that I'd been in a rehab program before BUT I could continue making the payments to them... RIGHT. After I raised a whole lot of cane and demanded to see proof of the lie that they were stating, they sent me paperwork which verified that I had NOT been in rehab. I called them and they acted as if they inverted a number and gave Nelnet the wrong account before. I guess I am too stupid to know that IF they gave the wrong account number, the name or social security number associated to what they did give would NOT match mine. Finally, I gave read them the riot act once more for insulting my intelligence then they told me that my loan would me sold on the 12th. Well, on the 17th, I recieved a statement saying that ACT was going to debit my account for the amount again. Fortunately, I had a jewel representative, Ashley Salinas who had already fought to make sure that I was taken care of and had told me in February that I wasn't required to make any more payments to them since my loan was up to be sold. The letter that I was going to be debited struck me as wierd so, I took all the money out of account so that the debit would not go through. I did not give them access to my debit account attached to my back so I would NEVER be charged an NSF fee. What I did and advise EVERYONE to do who is dealing with ACT is get a Prepaid Debit Card (I use www.NetSpend.com) and give them that debit card number. If the money isn't there, they don't get it and you don't get an NSF Charge. Another plus with going with NetSpend is IF you have your direct deposit going to them, you typically get it loaded to your card 2 days before payday. ANYWAY, off that and back on ACT. Well, I called ACT to see what the deal was with my loan being rehabilitated to find out that they REALLY tried to debit my account. Then a jerk name Chip threatened that IF I didn't make the payment, I would be subject to wage garnishment by the end of the month. I WAS HOT AND HUNG UP IN HIS FACE! Then I googled and found this complaint board. While googling, I was calling NelNet to hear from the horses mouth what was going on. Here is the SHOCKER... NELNET BOUGHT MY LOAN LAST FRIDAY, MARCH 12, 2010 as I expected meaning that ACT had NO RIGHT to even TRY to debit my account. The bigger shocker is that ACT did not give them the correct address for me meaning that I would have never recieved notice from Nelnet that they had my loan and my loan would have started off with a late payment if not Default! ACTs notes didn't even indicate that my loan had been sold back to Nelnet; in fact, they wanted me to set up to continue payments in case it didn't get sold at the end of the month. Take this advise: 1) Give ACT a Debit Card Number so you can control the drafts without the penalty if funds aren't there. 2) Find out who they will be selling the loan to after you finish the program. 3) If they give you some BS about continuing the payments, call the loan originator to check the status of your rehab and them buying the loan back. Chances are VERY strong that ACT will string you along as long as they can and take a chance that you won't find out. By the time you do find out, IF you don't do as I am saying to do, your loan will already be late for payment with the originator or possibly back in default thereafore leaving you NO CHOICE but to settle with paying ACT. I hope this information helps someone.
there are many options available. the only loans that cannot be consolidated are previously consolidated loans. however, if you really think about what happens when you consolidate. it is a terrible option to go through. especially since those in default have a "track record" (of sorts) to be in default and delinquent on accounts. with this in mind, if you "fall behind" on a consolidated loan and default again, you basically could triple the amount of the loan you had. So, the options that are normally available to non-consolidated accounts is : Pay off the debt in full and be done with it, make the payments towards the rehabilitation program (which is noramlly a 9 payment over a 10 month period program at a set amount *i'll get into more later*), consolidate the loan, or to have Act suggest, to the guarenteed agency that holds the loan, that administrative wage garnishment is the way to go. (Also, many other government payments toward you can also be garnished due to a defaulted student loan so BE CAREFUL!) Now about the "Rehab" program. It is by far the best program for bringing your account back into a current status. there are many benefiets to the program as well. the program is as i said (under normal circumstances) a 9 payment over a 10 month period program. you are provided ONE skip payment in the program. IF you use your skip payment your consectutive payments count goes out the window and renders you ineligible to apply for title iv funding (this funding is available to people that want to take out additional funds for school if they wish to continue the education). Once you have met the requirements AND have all your paperwork sent in, then the account information is forwarded and the loan is considered for purchase. NO LOAN IS GUARENTEED TO GO THROUGH. However most do. Do keep in mind that the lenders have to have available funds to complete the program and you ARE NOT COMPLETED UNTIL YOUR LOAN IS BOUGHT BACK. If your loan hasn't been bought back yet, then you must continue payments until it is bought back as part of the original agreement that you get into. Now the last thing i'm gonna say on this one. Collection agencies DO NOT have to offer a payment program and every account that is sent to their office is due in full immediately. This is because, on the promisary note you signed to recieve the loan, you agreed that if your loan were to default you would pay the amount off in full at the time of default. So keep this info in mind and good luck to those who do have defaulted student loans. there is light at the end of the tunnel.
Let me see. If you have a credit card loan that you fall behind on, eventually it will be settled. Say you owe $5K. You may eventually owe double that amount. But with consumer laws affecting the credit cards, you can probably settle for $2K or $3K.
With student loans, consumers are f***ed! You owe an original loan of $10K. With late fees and other penalties that can NEVER be thrown out.
That original $10K bills ends up being close to $35, 000!
As the problem is explained in the link below:
"The problem: In 1997, under intense lobbying from student loan companies, The Higher Education Act (HEA) was amended, and defaulted student loans became among the most lucrative, and easiest to collect type of debt. These amendemnts allow for huge panalties and fees to be attached to defaulted student loan debt, take away bankruptcy protection for student borrowers, disallow refinancing of the debt, and also provide for draconian collection and punitive measures to be taken against student borrowers, includeing wage garnishment, tax garnishment, withholding of professional certifications, termination from employment, SS garnishment, and others."
Read more her about how to fight back!
http://studentloanjustice.org/problem.htm
Caller ID: [protected]
Caller: ACT Account Control Technology
Caller Type: Collection Agency
ACT cannot garnish your wages. only the guarantor can. call your guarantor.