Conduent Education Services / ACS Education
Reviews and Complaints

I have been trying to pay OFF this loan that my mom co-signed for, for over 6 years.. the balance has barely budged because of "interest" EVERY time I send in a payment on the receipt I hand write " Please apply extra money sent to PRINCIPAL balance!"
They don't do it.. Why does it have to be SO difficult to apply it? HMM not sure who works for these idiots but its really frustrating to try to pay off when they don't apply it to principal like they should!

my student loan was with Wells Fargo and they sold it to ACS. I am in still school and I had the school submit an in school deferment via email and when ACS said they did not get it I had the schools financial aid office call ACS to straighten the mess out. I thought everything was taken care of until today I received a notice from ACS stating that I am delinquent on my loan they have tacked on late fees and raised my interest rate. This company is a scam I am in the process of contacting the Department of Education as well as Wells Fargo I fear that they have already reported this to the credit agencies. Can anyone give me some advise should I get a lawyer to have the mess they have created reversed?

Business ID: [protected] Name: ACS Address: PO Box 7051 City: Utica State/County: NY Zip/Postal Code: 13504
Business Phone Number: [protected]
Send complaints also to
Better Business Bureau, Inc. (Upstate, NY)
100 Bryant Woods South
Amherst, NY 14228
Web: http://www.upstateny.bbb.org
My husband was permeability & totally disabled right after he graduated in May 2011. We had almost lost him. While he was in the hospital/ICU I had called and started the process to have these loans removed before the payments started. I called LSU-S the school where he graduated they put me on a conference call with ACS (in america. i think ATL) they were helpful and sent me that information. I certified that information of his disability in Sept/ at the same time as NEtlet(loan company). ACS sent a letter stating they needed my husband's signature /netlet did not need that info-- I went to the hospital and refiled that information with his signature (lucky at that time he was not in a coma) I received again in Sept they received the 2nd completed packet now with his signature. At that time, netlet sent a letter stating they already were processing the claim thru department of education and he was approved to suspend all payments. We received a our first bill from ACS. I called immediately to check on the status of the ACS claim, I was treated very rudely from an person who not only refused to help me but refuse to transfer me to a supervisor or give me another number to contact someone else. I called repeatedly for months and received the same rude service with no help along with more bills from them with added late charges/ harassing phone calls from english as a second language "customer representatives" who could not help resolve that situation . I have even received a letter from the Department of Education stating they have discharged those loans while ACS is still trying to collect. I sent a third copy of the packet included the letter from the Department of Education along attempting to log on to their limited access website which was also no help in resolving this matter. I have had to get the school involved again to help break thru their walls of denying help or access. My their actions/inaction it is clear to me their only point in business to take advantage of the public by their unethical money collections. They provide not only no customer service but RUDE insensitive and at times evil service ( they agent told me only if my husband died would he be able to be released from this loan, and send the death certificate)
Desired Settlement: Billing Adjustment
Desired Outcome:
1.) immediately adjust this bill ( suspending or stopping collections) the department of education released us from this loan they should have updated their files 2.) train their agents where ever they are located on customer service practices and to be able to give or transfer calls to people who could help the customer 3.) Have people available to help the customer not send their calls to the lowest bidder 4.) Apology stating how they will change those business practices in the future and do so.
Complaint Background
Not all of these questions are required. Please provide as much information as you have.
1. Product/Service Purchased: school laon
Dates you complained to the company/organization
7. First Date: 8/1/2011
8. Second Date: 9/28/2011
9. Third Date: 11/1/2011

I have been paying on this school loan for 6 years. In that time, I have paid 200 a month and 300 the last year. My total loan was for 10, 500. I should have had this paid off a LONG time ago, at 6.25% Interest. In the last year, I paid 10, 000 alone. My statement says I only paid 212. in interest. Something is rotten.
I requested to call customer support and got a woman in either India or Pakistan that says I have no account and they wanted my social sec. number. I hung up.
SOmething is wrong. I have nearly bought a house with the amount of money I paid.
Chase sold my loan and its been crazy ever since. I am a consumer and I resent signing a contract with Chase and having them flip it to someone who is unreliable and a thief.

I am a co-signor on an account for a student loan for Tia McNeese. W have a letter from the company stating this loan is in deferment. Ms. McNeese and I have made several attempts to resolve this issue with the company but no representative will contact us back. A University of Phoenix representative has also made several phone calls on our behalf, to no avail. This account should be in deferment and the company needs to correct the negative reporting to all credit bureaus.

This company tells me they will work with me on lowering my payments after I recently only been notified by them that they took over my student loan after Bankruptcy. I would rather deal with the people I worked with before or some other company because they do not deal reasonably with customers in this time with the economy. They tell me I have options and then I don't have any good ones. I have tried 3x's unsucessfully to register on line to see my acct. and have talked to a representative 3 times with no sucess. Is there anyway to change buyers of my loan? I did not even know about this until a month before they tell me my loan is due-no other letter which only arrived this past week.

I was unable to work during school due to the strenuous hours of my class loads. I was a full-time student. From my original graduation date, I was unemployed up until five months afterward (still not making very much money). When my payments started in September, what with my cost of rent and other living essentials, I was unable to make the full monthly payment. I called customer service to ask if I could get lower monthly payments. The woman on the phone told me no, that that was impossible for them to do, and that I would just have to make the payments somehow. They told me that my ONLY option was to defer for another 6 months, but that afterwards, I was no longer able to continue doing that any longer ever again. I had no choice at the time and agreed. When the six months was up again, I was married for a month and I was unemployed again for three months. We were able to make the payments as his payments hadn't started yet. I was unemployed for another two months and we were okay with all of our combined student loan payments (he has ACS loans too). His second loan through them is starting up for repayment this month (December 2011) and it is definitely beyond our means to pay all of our other bills and loans off. We filled out their Income Sensitive Repayment application, and with our combined monthly GROSS income and with what we owe combined to ACS, we would, according to the application, be required to pay the full amount. With our rent, our other student loans combined, and with all of our other bills- before we even had to start worrying about this loan, we were living paycheck to paycheck- we are not going to be able to do it. I don't think it's fair that they only take into account on how much we make and not all of the other bills we have to worry about or the family size. The U.S. Board of Education is so much more willing to help us out by giving us more time to fill out the paper work and have it processed, while ACS is so unwilling.

If you are lucky enough to read this before you sign a loan with ACS education, don't sign with them! The thing is too, my husband did his loan through Wells Fargo, and Wells Fargo sold his loan to ACS. I think they should ask people's permission before they just so willingly sell our loans while we have to deal with the repercussions.

I get phone calls everyday and mail saying I owe a loan to ACS for a school I have never went to.I never signed for this loan.I requested the MPN (master promissory note) four times.Each time I requested for it, they said they never received the request.So I did a return receipt and certified mail for the last request for the mpn.I received the mpn and the signature is not even mine.I have documents from the school stating I never went to school there.My name nor social security number has never been a student there. I have been battling this since 2008.Now that I am scheduled to start college in Jan. 2012, I fear that because they are about to default me, it will just get harder for me to fight.I have done everything they asked for, and still ask for more.I was told if I sent them a copy of the document from the college that I didn't attend than that would be all they would need to cancel this loan.They have yet to even put a freeze on the account as well.They were suppose to investigate it and never did.I have been stressed to the max since 2008 with this "company".and on top of it, I went to my local police station to file a report last Friday, and because this is bigger than what they deal with I have been getting the run around from them as well.Identity theft is not a walk in the park at all.This is not my first time dealing with identity fraud either.I had to fight a case in Florida as well as in Detroit.So if anyone has any information they can help me with please don't hesitate!Thanks [protected]@yahoo.com

ACS has the most confusing and deceptive invoices, notifications, and disclosures out there. I have diligently paid my student loans on time for 7 years and have I never missed a payment. (And man, I have worked SO hard to do that...) They have managed to lose my payments (that were on auto pay, no less) and confuse me on a routine basis.

Recently they tried to overcharge me more than $2, 000! Just as I am trying to consolidate my loans they added more to the prinicipal as if I wouldn't notice. I should not be more educated and better business person than my servicer...

Their procedures are straight up criminal. You cannot reach a coherent person who knows about loans, ever. The CFPB needs to check in here.

Worst company ever! I have been charged multiple late fees, even after my payment had been processed and money had been taken from my account. My loan was split into two, one was in a prepayment status, and didn't need payment until December, they then failed to send me bills for my other loan, resulting in MORE late fees. I try to call them, I was put on hold for close to an hour, completely unacceptable. This company is useless and should be ashamed.

I have been paying on these student loans for years now, this "business" has changed carriers several times without notifying the indivudals carrying the loans. I have (for the past 5 years) paid THOUSANDS of dollars in an attempt to pay my student loans down, having gone through times of default because my ACS loan "could not be located". I was told that LOAN SCIENCE was carrying my loan; contacted them: answer here was NO. No they were not carrying the loan. I am enraged with this system. I received word today that ACS states "I am over 60 days past due" without any mail in the past several months from them after hearing that they changed carriers AGAIN, now all of a sudden they are carrying this loan? Where is all of my hard-earned money going? Where is the class action lawsuit? I need someone to contact me with the correct steps, I am saddened and sickened over this entire scenario, the scamming, the lack of integrity, the fraudulent ways of stealing someone's money. Downright awful

I am looking to join the ACS- Class Action Lawsuit for Fraudulent and Deceptive Practices. Does anyone have the lawyer's information so that I can contact them?

I recently filed a complaint against ACS on behalf of our daughter. Too soon yet to know if filing the complaint will help her situation.
Those of you who have listed your complaints might want to consider doing this for yourself.

ACS is a part of the Xerox company. I phoned the Ethics Office below at the help line number. My complaint was taken by a third-party service, who gave me a reference number and an email address to follow up with. Within a day I had a response from the ACS Ethics Officer that my complaint had been received and forwarded to the appropriate people to follow up.

(http://www.acs-inc.com/contact-acs.aspx
Ethics Office
800.443.1946 (helpline)
214.841.8426
[protected]@acs-inc.com

There's also a second email, which I did not use.
[protected]@xerox.com

Xerox states that its company ethics apply to all its branches.
http://www.xerox.com/about-xerox/citizenship/ethics/enus.html

Consumer complaints about ACS:

http://www.consumeraffairs.com/finance/acs.html

http://www.complaintsboard.com/complaints/acs-education-c224536.html

http://www.studentloansconsolidations.org/problems-with-acs-student-loan-handler/

http://www.personalfinanceanalyst.com/acs-student-loan-information/ (student complaints at end of article)

Someone kept calling me by the name of Ryan Moss from ACS (which clearly wasn't his real name, was a heavy Indian accent) and leaving messages on my work number saying it was of urgent matter that I called him back and if I didn't, the best thing he could do would be to wish me luck for all the things that befell me. It was pretty clear that what he was reading was a script as the messages never changed and were verbatim. The number of my phone showed up as [protected] but he kept leaving a number of [protected] to call him back. Fed up, I finally answered it, and he promply confirmed my name and asked that I supply my lawyers name. I told him I didn't have one, and then he asked if I was going to be in court the next day. I mentioned I did not know what he was talking about, and he acted surprised that I didn't know of my court date (don't you need to be served papers for court in person?!?!) He went on to say that he had an affidavit and then held up a bunch of papers to the phone like he was shuffling through imaginary paperwork. He told me I couldn't interrupt him during his reading of the affadavit. Basically charging me with theft, fraud, and something else, he said that he was in charge of taking me to court for unresolved debt with Fast Cash and that the charges would be nearly $5000. After a bunch of questions asking him who he was (I asked what his website was, and he blew up and said it was ridiculous that I didn't trust him or his validity for his company - please note, the website I used to file this report may be incorrect, but it was the only ACS collection agency I could find on the internet). I told him I'd meet him in court then, and he said that he couldn't meet me since he was in California and court was in my home state of Minnesota. I then asked what he wanted me to do...and he said that he could settle the matter out of court for a mere $900 some dollars. I told him that I would contact Fast Cash instead to figure out why they still claim I owe them money, and he said that no, they didn't have time to talk with me direct and that he was going to settle it for them. I told him I'd try to take care of everything without his help because I didn't trust him. He proceeded to tell me that he was going to send the litigation to my employer (ummm, why not me, since I haven't gotten it?) and let them know how bad of an employee they have. I hope they do, as my employer would probably help me sue them for defamation. Long story short, don't let these people scare you into payment. Their practices are totally deceptive and illegal. He said at the original time of the call that I was being recorded...at the end of the call, I asked if he could potentially send me a copy of the recording. He hung up.

Wells Fargo financed my student loans and the loans were %400 paid ahead. Suddenly ACS Education Services bought the loan. ACS sent a letter demanding payment although the account was paid $500 in advance. I sent an email over tot their CEO Lynn Blodgett lynn.[protected]@acs-inc.com to ask about their fraudulent accounting practices which appear to be a Sarbanes Oxley violation. I advised I would take them to small claims court which is allowed in each state. The limits of the claim can not exceed $15, 000 in Georgia. One of Lynn's people responded in two days to "straighten the matter out" within two days. Seems lighting a fire under Lynn gets things resolved if they arent too far out of hand. Judging from the number of complaints on ACS Education Services I think they are a class action suit waiting to happen.

Thanks
Rhett Murphy CEO
Executive Escalations LLC
http://www.executiveescalations.com

My loan was recently sold to ACS Education Services. Last month they sent me a letter telling me that I would be getting a bill from them, but I never did. I had no account number, place to send my payment or payment amount so I waited a month thinking that my bill would come, but only received another letter telling me that they decided to consolidate my student loans. There was no account number, no place to send my payment or payment amount so I decided to try to register and log on to pay my now 2 month late bill. I couldn't log on so I called the company. The first thing the automated phone asked for was an account number. It settled for my social security number but wouldn't let me go any further because it said that my phone number was wrong. I was stuck on this setting forever until I was finally transferred over to a real person. This person was extremely rude, unhelpful and barely spoke any English. We argued for at least 15 minutes because he wanted me to magically guess what numbers that they had for me. He said that my address was wrong even though the company had mailed me their letters to my current address. He wanted me to pay my 2 month late bill on the spot over the phone with an additional charge for paying over the phone. I refused to do it and the man was even ruder. He told me that I could pay online that my account information was now OK. After 30 minutes of dealing with this rude employee, I was able to log on and pay my bill. This company is horrible. I am currently researching how to transfer my student loan to a better company.

ACS is taking over Wells Fargo Student Loan -- in an effort to make sure my history matches what is transfered over here's what Im finding out. Ive been making payment --they are saying Im delinquent status at a certain point (270 days) they can garnish wages... WELL my last payment to Wells Fargo i.e... of $257 was NOT credited in full --they are only showing $130 payment. HELP! Of course, I don't want to send anymore payments. I have called WellsFargo for a payment history...and I will do my part to compare w/my bank I was making payment thru. THIS IS CRAZY! ALL THIS SHOULD BE A RED FLAG! NOW I have to spend time/energy/money to fight this. What recourse does one have for this? With all the CROOKS AND CRAZINESS w/financial institutions, there should be some recourse. Im seeing complaints on-line. Any advise!? People do your homework on payment history --

My wife and I had student loans which were recently transferred to ACS education. We had been applying for Income Based Repayment with the original lender when it happened (something we found a little fishy). They have been impossible to deal with. We carefully sent them everything they asked for. Months went by without hearing from them.I called many times and was told they had never recieved anything. Finally, I talked to someone who told me the IBR had been rejected because the application did not contain pay stubs. NOWHERE did they ever request pay stubs. It took a lot of verbal wrangling to convince the representative that we needed another packet with instructions on exactly what they need, it was like pulling hen's teeth. I am concerned about how this process will go.

I keep getting calls from this place where they are not speaking very good english and tell me I owe $782.00 on payday loan (I never took out and there is no record when checked with my bank). They keep calling relentlessly and have even harrassed my 13 year old child, saying someone is going to show up at my house and that I am really home etc, and in fact, I was at work! They want to talk to my attorney and when I try and get their information, they will not give me anything in writing or verbally. What a scam! How do I make them stop? I am not going to be harrassed at home nor at work for something I did not do! This ACS needs to be stopped!

Last year (2010) ACS Education started servicing one of my student loans. I had been granted an Income Based Repayment plan for every student loan I had withstanding for a full year. When IBR plan renewal time came I sent each and every loan holder a new IBR application along with the required documents. ACS Education never contacted me for about one month while the other loan holders (AES and Great Lakes) granted me a new IBR plan for a full year in less than one month. Later I received a letter from ACS telling me that I had not been granted IBR repayment because they needed other documents from me. I called ACS and the representative told me to fax proof of my income, which I already had done at renewal time. Nevertheless, I faxed them the papers. Another month silence followed and I became very worried so I wrote them a certified mail letter in Dec. 2010 complaining about their customer service and IBR plan and sending them my application for the THIRD time. Later I called ACS and the customer service rep told me thah my IBR repayment plan was granted on dec.2010. Today (feb. 2011) I had just received a letter from ACS telling me that my IBR plan was not granted and that I have to pay full payment amount in march. This is driving me nuts! These people do not know how to service student loans. I will file a complain with the Department of Education as I have seen too many complaints about them over the web.