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My daughter has a student loan (I am the co-signer) with Wachovia who contracts with ACS eduction services. She graduated from in Oct 2009 and then continued as a full time student with an unpaid internship until Feb 2010. The requested documentation of this has been mailed, faxed, emailed starting in May 2010 and continues until today 7/14/2010 to ACS. ACS turned the account to Credit Collection Services who continue to mail/call saying she has not made payment. ACS has put our names into collections and the 1st loan payment is not due until [protected] months from end of schooling). I started to call and deal with ACS on 6/25/10 and was told they couldn't find the paperwork. She sent the paperwork to the Credit Collection Services as she was told. I then sent another copy to ACS via a confirmed email. I was then conferenced with both and the ACS rep hung up when I could not verify a 2nd phone number. I called ACS 7/1, and was told again paperwork was received it will take 7-10 days to process. I called ACS again today and was told again by a Rob that the paperwork is in the system and her deferment has already been processed! He told me to tell collections to take us off their list? I then called CCS and spoke to a Jennifer who says we do not have the correct paperwork. She then put me on hold contacted someone at ACS who told her the same, we do not have the correct paperwork? I called ACS back again and talked to a Teresa who told me she read the notes and the paperwork is correct?
Today I filed a complaint with the BBB against the customer service we have received from ACS. We cannot get complete answers as to what is needed for her deferment to be understood. They also say they cannot stop the collections through CCS? I am extremely disappointed that we would chose a bank such as Wachovia to do a student loan and we now deal with a ACS who we have never even heard of and cannot get resolution!
I've had trouble with them too. When their online payment system didn't show my payment after more than 5 days, I got worried because my due date was coming up, so I paid it again, thinking that it did not go through for some reason - there was nothing scheduled/pending or anything according to their online site. When my payment double posted, I asked to get refunded my second payment, which they did - after countless phonecalls (with very rude people) and back and forth faxes. At some point, it didn't really matter about getting the money back because it might as well have just applied to the next month's payment but it became a matter of just finishing what was started. It took months to get reimbursed. I have a perfect payment history, never been late, and have had the account for years - and yet the people there were very rude to me and would not rush to get anything done. You'd think they would at least make some effort.
they are a fraudulant company...google acs collections scam!
Is anyone aware of a class-action lawsuit against ACS? After the recent decision that allows class-action lawsuits against them, I would expect thousands of people to start going after these people. It seems inevitable that they will be sued dearly.
I too have loans out with ACS and they are by no means pleasant to deal with. it took me months to get a deferment and it was the same as yours " the paperwork is not correct" they also want exact dates for them to process anything. I had been a stay at home mom for at least 4 years before deciding to go back to school. I could not provide them with exact dates of things so they have denied my deferment. I have tried on several occasions to deal with them in which results in me getting hung up on or them stating to me how I need to pay well over 28, 000 in full.