Conduent Education Services / ACS Education
Oak Brook, Illinois
United States - 60523
Name of caller was Andy Brown - complaint was that I had taken a cash advance of 700 dollars from cash advance usa and had not paid it back.
I have never taken a cash advance from anyone and when i tried to pin him down for any particulars he could not offer any so I suggested he go ahead and serve the papaers and in the meantime I would be contacting the FBI fraud division as I live in a different state. He kept claiming that i could not call any law athourity and that they have no jurisdiction. I then asked for a docket number and file numbeer which he could not supply so I explained my choice to go to the local law and also the fbi with the infromation I had and he hung up.
Today i recvd a call 2/8/2011 From a man named David Smith ( NOTE: Heavt Indian Accent ) He was calling because he said that i was being sued for a pay day loan that i got a year ago. NOTE: i been BK for 2 years, not heading in the direction again. Anyhow, I remember the name of the company he said was Cash ADvance USA. This lite up a light bulb. Just last month i got a call from the same talking tone, different number, different company. Same Spiel, i googled the phone number and a list of complaints came up from people that had gotten the same call as i did. I reported them to the FBI, ETC. After I lite up, i thought, Im going to take sail on this boat. So he proceeded with his speech, and i talked over him and asked " Are you proud of what you do? " He said " Mam, what you mean?" I said " Are you proud that you feed your family having a job that consist with scamming people for money. How do you sleep at night?" He said " Whatever Mother [censored]er!" And hung up on me. My advice, report it every chance you get. Check often on your bank or savings account. Credit check ETC. Say what they will, take me to jail, otherwise stop calling me dude, your wasting my minutes SMH!
I am with you about ACS they are awful I Tried thier really poor crappy website it always tells me something about my sign in info. is incorrect an when I hit (hint) button It says youngest child I know my youngest an that's what I had put in in the first place. But It won't let me on so ... Then I call an get a rude B**** an she won't tell me I have to wait for the e-mail to reset with a temp pass so i can get on an the thing still doesn't work. then when I want my tax info. for my taxes at the end of the year they won't send it to you even if you call an ask. They basisically say KISS OUR BUTTS use the website, I tell them the web site stinks hardcore an they go oh well we can reset a temp password AGAIN ???? REALLY ??? They are ripping people off . I pay on time an over amount due every month I agree with you can't wait to get rid of this rip off company. I told her I was going to call the BBB an she was like go ahead we are not sending tax info. in the mail, You have to get it off our web site, that's a piece of ### an we know you can't use so we gain even more of you money since we don't have to claim it on our company records HA HA HA HATE THIS COMPANY
For the past several days my friends and myself have been harrassed by this company who call themselves ACS. A man who identified himself as Scott White and Jeff Williams [protected] have made threats of sueing me and or my friends if I don't authorized them to debit my checking account for $350 today. They claimed there is no paperwork with heavy accents. They said I own money to a company called Advance Cash USA. I don't have any knowledge of this company and how they got my information is scary. I have obtained loans before, but not from this company because I have no record.
I'm glad to hear I"m not alone with this awful company but am sorry other people have had to deal with them. My biggest complaint is pure stupidity with the customer service representatives. First of all, everything is a huge timeconsuming ordeal. To enroll in automatic payments (Checkmate program) you have to fill out a form with a voided check and wait several months for it to take effect. Most companies offer online services and changes are effective within a month. When I switched bank accounts I called to cancel my automatic payments a week before my payment was due and made a payment through my new bank. Of course ACS didn't cancel the automatic payment and took a payment from my old account, causing overdraft fees and a huge mess. Why would it take over 5-7 business days to cancel a payment? The customer service representatives have always been very rude, hard to understand, or just plain ###ed.
At one point I was unemployed and requested a forbearance on my loan. My federal loan company said no problem, fill out this form, and within a week it was taken care of. With ACS I filled out the form, waited three weeks, finally called and was told they were waiting for the guarantor to respond and I was still responsible for payments. A few weeks later I received a letter saying my request was denied. This company doesn't give a ### about any of its customers. If I could find another company that would offer loans to people out of college I would switch in a heartbeat.
The next issue is the way they apply payments. My monthly due date is the 14th and if I make a payment a week early it will apply the payment but doesn't count towards the minimum due, making your account delinquent. I'm starting to also wonder if my accrued interest isn't being calculated properly. After 2 1/2 years a majority of my payment is still going towards interest and my minimum payment is constantly changing. On a $124 payment, only approximately $30 is going towards principle. Does anyone know how the interest is calculated?
I just received a call today at work from someone claiming he was Steve Jackson. I also talked with someone...
I am receiving calls and paper bills from this company for a student education loan they claim they made with me. I have not made a loan with this company and have asked the company to demonstrate legal paperwork. They have not but continue to send bills of deliquency for this student loan. On their bill, the account number is XXX-XX-5739 -1 for the amount of $15, 158.68 listed as a Federal Student Loan.
I received a phone call from a friend of mine saying that somebody named "Mac" left a nasty voicemail for me...
I received a late payment notice in the mail on 10/28/10. I called ACS and they said they never received the payment. On 10/16/10 I received a letter from ACS informing me that the address for mailed payments has changed, the letter was dated 10/6/10, I updated the payee information with my bank on 10/18/10. However, the payment for October was mailed on 9/28/10 from my bank as the bill is due on the 14th of the month. Since the loans were transferred to ACS in 2007 I have had my bank sending the check to ACS on the 1st of the month. (The bank mails the payment two days ahead of time) The bill is due on the 14th of the month. Checking on my payment history I noticed that up until 2010 the payment was credited to my account on the last day of the month before the month it is due. Starting in 2010 the payment was being credited on the 2 and as of June 2010 it is all over the place from a week after it is mail to the actual due date, except of course for Octobers which is still missing. The customer service representatives say they can not see my payment history and so can not tell me why that is happening. After a long conversation trying to explain that there was no way for me to know the address was changing before my payment was due, they ACS agreed to wave the late fee on my account. They could not tell me what the plan was to handle the payments that would show up at the old address.
So many people have contacted me about an ACS lawsuit getting off the ground. Does anyone know how to start a chat group? I have not been able to focus on getting this thing together but I think if we're able to chat directly in a forum centered exclusively on this issue, something good may come of it. If you guys want to know about the previous lawsuit won against ACS, this is the info: Joshua G. Fensterstock vs. Education Finance Partners and ACS. He was represented by Alan & Sash of McLaughlin &Stern. The CEo of ACS is lynn.[protected]@acs.com. I believe ACS has a F rating with the BBB.
WE ARE ALL VICTIMS OF PREDATORY LENDING BY ACS! EVEN IF WE ARE SCATTERED AROUND THE U.S., WE CAN STILL MAKE SOMETHING HAPPEN. I have a folder in my e-mail account with many of your e-mail addresses. Please expect contact soon.
ACS - CHECK YOUR AMORTIZATION SCHEDULE!!! I've been dealing with ACS since our loans were transfered...
ACS will report you to the credit bureau when they are not supposed to!!!
I have never worked with anyone as horrible as ACS - if you ever get a loan with them pay it off or go with someone else. If you're a student, you may unknowingly accept an ACS loan. Every Rep I spoke with never had any idea of how to help or answer the most simple of questions.
They told me that you DON'T need to make payments while you are in school, but constantly send letters in the mail for ways to pay (invoices dated while you're in school). Over the summers they say you are required to make payments, but if you dont want to, all you have to do is send a form in once the next school year starts. Every year they'd send my "missed' payments between the school years to the CREDIT BUREAU without waiting for that paper. I called each year and they fixed it except for the summer before my last year. Now I have a 60 day late mark on my credit, and they wont fix this last summer!?! I HATE ACS. I hope someone gets rid of this company as they have horrible business practices.
ACS phone representatives misadvised in ways that significantly inconvenienced and stressed me, and it's possible that their incompetence will result in an unfavorable mark on my credit history.
A representative advised me to fill out a Hardship Deferment application and to attach proof that I had been granted an Unemployment Deferment by Direct Loans (a government lender). I did so, and my application was rejected.
I was told that no supporting documentation had accompanied my application. So I resubmitted (thinking the attached doc had gotten misplace the first time), and again I was told the same thing.
When I called and spoke with a different representative, she informed me that no supporting documentation had been included with my application. When I protested that that was not so, and explained that I had enclosed a copy of the Direct Loans deferment, she said that that was not valid. Ugh! (So to ACS, insufficient=none.)
This second representative then misadvised me. She told me to submit a different application--the ACS Unemployment form and attach a copy of the Direct Loans deferment and the deferment will be granted. However, the form she directed me to does not indicate that a Direct Loans deferment is acceptable documentation.
In fairness to these two representatives, it is not entirely a poor customer support issue. ACS's forms appear poorly designed. The Hardship Deferment does indicate that proof from Direct Loans is adequate support (but apparently it cannot be based on "unemployment") and the Unemployment Deferment does *not* allow for such documentation.
I'm FAXing the ACS Unemployment deferment today, and including the documentation that Direct Loans granted an unemployment deferment just for good measure. I sure hope ACS doesn't reject my application this time, as that would mean my account could be reported as delinquent (or whatever the language they use is).
Very frustrated (unnecessarily)
For the second time this institution has repeatedly made attempts to withdraw money from my bank account with authorization. I made a payment on my student loan online. ACS then repeatedly attempted to withdraw money from the account three weeks in a row, causing overdraft fees. This is the second time this institution accessed my bank account without my permission on multiple weeks in a row.
At this point I am afraid to even attempt to pay the loan by check. What a supervisor told me this morning is that they will only collect on a check once, however, they will utilize an ATM card for multiple collections. No where, and I have printed out all of the documentation from their website this morning, no where do they say they will make repeated withdraws from your bank account when you are submitting a one time monthly payment.
I am turning them into anyone I can. I do not see any difference between someone stealing my ATM card and accessing my account and ACS accessing my account on multiple occasions without authorization.
I have merely transferred schools, I did not leave nor graduate. I believe Kaplan University turned this loan over to this unscrupulous lender thinking that I would just give up after being forced out due to their financial wrongdoing. Kaplan maxed out my loans and kept them, as well as my Pell Grants, for over 9 months collecting interest on every penny. I have transferred my Direct loans as well as my FAFSA. I cannot begin until October due to the way they locked me into their fiscal year system. I have been accepted as a student and now am in the process of filing suit against Kaplan University for libel and wrongful use of my government loans and grants.
I will repay my student loans, in full, when I finish my education. I will consolidate with Direct Loans.
I have been on disability for over a year due to an accident at work and ACS has honored my defferments due to that fact, now they are trying to say they no longer accept the fact that being disabled qualifies for a defferment. I can't work because i'm on disability so in essence I can't pay them, but do you think they care? then when I tried to go on their website to contact them all you get is a big runaround, this is one of those companys that dictate the rules as they go along to benefit themselves.
Hi all! I just found out the CEO and owner.. and found their email addresses! :)
I sent off a "nice" little email to our friends out there in their cushy little homes explaining how terrible their company is... I doubt it'll do anything but hopefully it'll rock their boat a bit that one of the "pee-ons" was able to get their private emails! haha! :)
below is my email:
Dear Mr. Leafstedt and Mr. Atkinson,
I am writing to you in regards to some problems I have encountered with your company, ACS. I have a college education loan with the company that in May was bought from Chase and ever since there have been nothing but problems. I am not one to complain but this has to be brought to your attention.
As soon as my loan went to your company, I paid my bill ON TIME through Electronic Transfer with my bank, it was paid and accepted by ACS on time, BEFORE the due date. However, I got a phone call that I never paid my bill and that I was being sent to collections. After hours of dealing with terrible customer service and trying to speak with managers but clearly just being handed off from person to person and never really getting the manager I asked to speak with, we were finally able to prove this was ACS's mistake. We faxed over proof THREE TIMES that our payment was made on time.. this was done by both my husband and I, as well as our bank itself. Finally, it was dealt with and we thought maybe the worst of it was over. In the meantime, my husband and I did, however, do our research on your company and found out we are not the only ones who have encountered these issues. And not just similar issues but the EXACT same ones. My husband and I hoped we would make it a month or so before we would have to deal with another situation like this again, but we were wrong. Just this morning (6/22/10), I got a phone call that I was "late" on my payment. However, the payment was made and accepted through our bank's Electronic Transfer on June 3rd and accepted on June 4th, but once again, never applied to my account. This is outrageous!! I called again and was told there was a problem on our bank's end but this is not the case. This was a flat out lie that was made up by your customer service team to cover up the fact that they are making mistakes left and right. It seems your company has a tendency to "lose" payments and just not apply them to accounts. This is absolutely absurd!!! You can not have a company who does this! I understand the economic times are tough and you need to save money in order to make money.. but you've got to hire capable, competent accountants who do their job appropriately! Something here must change! I'm begging you.. I understand you guys are making tons of money and that's probably all you really care about but in order to truly have a successful company you've got to care a little bit and do business the right way. This is NOT the right way. Your employees are lying and cheating and pretty much incompetent.
if you all would like to email our friends at ACS -- here are their emails:
[protected]@afsa.com -- CEO, Douglas Leafstedt, phone # 1.310.513.2700
[protected]@afsa.com -- Owner, Drew Atkinson, phone # 1.310.513.2709
-- not sure how much it will help.. got the info from jigsaw.com -- free to join but you can only get 2 contacts before they ask you do get "points" or something to get more contact info.. so use your points wisely! :)
Good Luck fellow ACS haters!! :)
In 2007, I took out a loan for $3, 500.
Last year, I paid $2, 595 (in May of 2009) and another $50 (in December of 2009). I have receipts for both. Wachovia had my total amount due listed at about $855.
Now, when ACS took my loan, some funny things happened. ACS listed this on their website:
ORIGINAL LOAN AMOUNT $3, 500.00
LAST AMOUNT PAID $2, 595.00
OUTSTANDING BALANCE $3, 461.30
When I click on the $2, 595, all they show is the more recent $50 payment.
Any suggestions for how to deal with this incompetent loan service? I sent them an e-mail; it's Memorial Day today. I'll call them tomorrow.
I received a letter in the mail, May 20, 2010. I called to inquire what letter was about. Chase has been sold to ACS Education Loan Services. I had established months a go to reduce payments, which would be $91.23 a month. I spoke with the rudest, most arrogant person ever. I felt like I killed someone. She said I was behind, would not reduce my payment and when I insisted on speaking with supervisor, put me on hold for many minutes. Supervisor was worse than the other person. Would not help/assist me, answers appeared to be programmed. I am paying for my education and realize it is my responsibility to pay back, but not at the amount they insist on. I never had a problem with Chase and they went above and beyond the call of duty to help me. I understand about repayind debt, however, no one is going to speak like that to me and get away with it. I am a legal citizen, served my country 21 years in military, put myself through school, and this is the way I am treated. I DO NOT THINK SO.
My husband and I are trying to get his school loan paid off. This has been a thorn in our side for the last 10 years. We're finally able to pay extra each month. According to ACS, we can only pay on principle 3 days out of the month. So if we want to pay anything extra it HAS to be on these 3 certain days. It makes no sense to me. They are automatically taking $ out each month to go towards the loan. Why can't we pay extra ANYTIME through the month to go towards the principle? Chase just sold our loan to ACS. So for the past 2 months nothing was taken out. I made a $350 payment in April, thinking it would go to the principle--only $80 some went to principle, the rest to interest. It makes me SICK!!! These loan companies don't want to do anything to help the average American. My husband is a math teacher so we have a very average salary. I'm ready to take this to a much higher level!!