My student loan was sold to ACS. I paid it off early in July 2008 according to their payoff amount request. In October 2008 I started receiving a bill for $978.00 from ACS saying that I owed them that much more. It is now August 2009 and I am still fighting with them regarding this issue. They now say that they posted a payment wrong in back in 2007 and I owe them now. They want access to my bank account to check on my payments. I refused and told them that I paid the loan in full as they required. I have spent countless hours on the phone, written many letters, and I'm thoroughly fed up with them. They call my home at least twice a week and are threatening to report me to credit bureaus. I will fight this until they put me in a grave. Be careful of this company. They are completely incompetent!!