ACS Education — Awful lender
ACS takes their time when opening your check that you sent them. They do this so that they can charge you a late fee. ACS did this to me. They didn't open my payment for weeks, and finally posted it 3 weeks after it was mailed. Of course they then sent me a letter, over a month later, telling me that my account is now delinquent and that they are going to send a collection agency after me because of a $9 late fee that they charged me and didn't tell me about. When I called them, they then said, "oh, that late fee is now $21 because you still haven't paid it." I didn't even know I had a late fee to begin with, and they've already charge me another compounded late fee! How dare they send me such a threatening note without them even informing me that I owed money! They were not at all responsive to my complaint or questions. They basically follow a script and don't listen to a word you said, and treat you awfully, even though it's their own fault that they didn't open your mail.