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Conduent Education Services / ACS Education

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Customer Service

+1 800 835 4611 (FFEL Borrower Services & Loan Origination)
+1 800 784 5309 (Collections Department)
+1 800 826 4470 (Campus Products and Services)
+1 800 397 8386 (MEFA Department)
+1 800 508 0806 (Specialized Servicing Department)
900 Commerce Dr., Ste 100
Oak Brook, Illinois
United States - 60523

Complaints & Reviews

Lying Account Workers

ACS has not been unfriendly to me. The contrary has been my issue. I recently experienced a con job. A friendly worker promised that she had just negotiated a truly income-sensitive payment plan for me and told me to go ahead and send in payments. I got intimidating letters from the lender! When I called back to clear things up, there was NO record of the supposed agreement, NO record of ALL the faxes I'd exchanged back and forth with this girl.

I had been lied to, and nobody is accountable.
I thought I was insane.
Later I heard NPR and New York Times reports of just such tactics. I had not imagined it. ACS pulled this on me.

At this time I am still trying to get a truly income-sensitive payment plan. My experience with student loan administrators is that they would rather you continue racking up rather than to allow you even ten dollars less so as to meet a truly income-sensitive level so a student can repay their loans.

Obama's supposed legislation to bring relief is not going to do so. He has left these sharks firmly in control of the administration of the loans, so these experiences will continue to happen to borrowers.

Loses Affidavit Forms/Identity Theft

ACS is a scam syndicate and a disorganized institution of harassers. I'm a victim of identity theft which took place through a US BANK via the internet four years ago. Someone in September of 2006 somehow got my SSN, a past address and phone number of mine, my full name, my parents name, and was able to take out a 5500 dollar loan in my name with that info alone. They didn't even have to forge my signature! And this fraudulently accepted loan went undiscovered until early 2009! ACS bought that loan from the US Bank a year and a half ago, and have been sending me bills ever since. As of today, I've had to request my THIRD fraudulent loan affidavit form to prove I do NOT owe them or anyone else that money, and ACS claims the first form I filled out never made it back to them. The second form I requested (after finding out MONTHS after sending the first affidavit back to them) was never sent it to me! So, I figured for the last eight or so months that they must have found my original affidavit form, and were investigating the fraud. But I was wrong to assume that.

I feel as though ACS doesn't want to (or won't) admit they bought a loan from a bank stupid enough to give away money to any 'ol crook with a stolen SSN and the dexterity in their hands to click on an "I agree that I am who I claim to be" e-signiture. It's sad, but true. Just the click of a button on US Bank's online master promissory note web page, and you can claim to be ANYONE. So I get the feeling I'll never see this third affidavit form I requested because ACS doesn't want to deal with my problem, and this identity theft will NEVER be solved. Hell, the original culprit will probably get away with the whole thing even if I do prove my case (assuming ACS actually throws me a bone here.) Meanwhile, the ACS loan sharks will continue to harass me for the money that I don't owe, all because they're too ###ed or purposefully trying to lose paperwork... especially their affidavit forms that could make them forfeit their precious Interest amount! I refuse to pay for a loan I never took out. I refuse even more to pay Interest on it. But at the same time, I'm tired of this run-around, and might just stop communication with them, never pay a cent, and hope it just disappears.

scam

Called me 10 times in the last 2 days. They say they are from

ACS Consolidation Service, they are not. ACS is for student

loans. They probably told me this because they ran my SS# and

information and thought I would believe that they were

legitimate. When you ask them a question they just keep reading

a script. They do not speak english very well. I asked for a

phone number, their address, and their names. They gave me some

very generic english names like Danny Johnson and Phillip Brown

even though they speak with very heavy eastern accents. They

would not give me a specific address, they just said they were

from NY. A supervisor got on the phone and said when I lived at

my old address I had taken out a loan on the internet. He began

repeating my full SS# and references that I had put down. I

never had taken out a loan on the internet but I had applied for

one. Apparently my information is not secure and now some scam

artist has my personal info. Learn from my mistake- don't ever

put yourself in this position, never give out your personal

information on the internet even if you are in dire straights as

I was. These people won't stop and now I have to worry about

identity theft as well.

  • Je
    jessica1447 Aug 19, 2010

    I just had the same company call me. THEY ARE A SCAM. Do not send them money.

    0 Votes
  • Eb
    ebbrown Jan 19, 2011

    Absolutely a scam. I was given the following information: Kevin Foster, Esq., ACS phone: 213-799-2296, Affidavit Consulation Service (ACS)
    1432 Hoffman Lane, Campbell, CA 95008, 206-203-4079 - fax, Law School information, Bar #325-321, Judson Law School, Campus at Tampa City, FL (?), Client: Cash Advance - www.quickcash.net.com.
    The above-mentioned website offers no information and every hyperlink sends you in a circle with no access to contact persons or even the ability to apply for an loan. I hung up. don't expect that to be the end of this harassment but will continue to collect more data than they give with each call.

    0 Votes
  • Ka
    KatieS Jan 10, 2012

    ACS goes by various names including NCS, CCS, Loan Point, Bernstein and Associates, Brown and Associates, etc. They are 100% scam artists. Do not give them any information or any money at all, no matter what they tell you. They may go by another name other than those listed. Basically if they mention: bad check, defrauding a financial institution, payday loan, threaten to come to your home/employer, advise you that you will be served a summons or tell you that you will be arrested - these are all of their tactics.
    File a complaint with the FBI, FTC and Attorney General (for what state you live in). These ### will call from different numbers that are not traceable (877 numbers usually). Somehow they are able to tap into valid numbers in your local area and use those lines to place the call. They will use generic names such as Johnson, Thompson, Smith, Parker, etc. Ask them for their information (address, website, fax number etc.). They will refuse to send you any information proving your debt (other than a fake email). Please don't give them any info and file the reports mentioned above. They need to be stopped!

    0 Votes
  • De
    DeziS Jan 10, 2013

    What the heck is up with acs! I am paying my bank, the federal government and acs because they have consistently harassed me and I haven't completed my degree yet. They put a black mark on my credit report which I have worked hard to finally get straight even though I continue to make monthly payments to them because my banker doesn't know what the problem is. Please, can someone tell me what to do?!!
    Can'tgetahead

    0 Votes

Forclosure? Inform yourself before you make a decision...

It is not so simple to fight a bank. The forensic audit co. and real state lawyers are in business to make...

No IRS form

Have called r/t getting my form to get my taxes done however am told I need to go to a site to get the info however all the information I have for the site keeps telling me that I have incorrect information and will not let me get needed information----ALL I WANT IS A FORM FROM YOU TO GET MY TAXES DONE---just send me one--never had a problem before but now that my loan is all paid off you are giving me problems---WHY?????

  • Al
    aliciarubio Feb 08, 2011

    then you need to call the the public information and they can see what's the problem. 1-800-433-3243. and besides the 1098e, which are used for tax purposes cannot be system generated by a representative until late Feb. it's not that they want to give you a hard time. it's just something that's out of their hands

    0 Votes

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DO NOT GIVE YOUR SSN

Recieved an email from www.acs-education.com stating they were my student loan lender and in order to recieve...

Preditory Lending Practices

I am new to having ACS as a servicing agent for my student loans. Over the past 8 years I have been making regular automatically deducted student loan payments to Panhandle Plains Student Loan Center in Canyon, Texas. As of 18 Sept. 2009, ACS is taking over the servicing of my loan. I did not receive notification of this transfer from either PPSLC or ACS. Furthermore, ACS instituted a policy on all loans from ACS to not start automatic deductions for accounts identified as being "pre-paid", i.e. I've been paying more than my minimum payment for years and my next due date is not until sometime in 2011. I believe this is a covert action on the part of ACS to put people into non-payment status in an attempt to garner more profit for themselves in interest charges and late fees at the expense of college graduates just starting their careers. My experience with ACS is only 36 hours long at this point and I'm already asking around to find out which Federal agency has oversight responsibility for the companies that service guaranteed student loans. My advice to anyone with ACS is to check your account statements regularly and communicate only through certified mail with a return receipt. Obviously this part of the financial sector didn't learn any lessons over the past 12 months and is staffed with crooks and theives.

  • Pl
    p_layton0978 Nov 30, 2009

    I, too just had my loans transferred from Panhandle Plains Student Loan Center to ACS. I wasn't aware that my Account number had changed so when I sent my check via Bill Pay through Bank of America, I used the old account number that PPSLC used. They now want me to put my SSN on my check as my Account Number?? My check for my October 14th payment cleared my bank on October 14th. I received a notice from ACS around the 1st of November stating that my account was past due. I contact my Bill Pay service and they said the check had already cleared. We contacted ACS and they asked for a copy of the cleared check. ONE MONTH LATER AND SIX FAXES later...they still show me past due. We fax and refax and ACS just keeps saying they haven't received the fax and will not open a research effort on the account until they receive the fax. We have spoken to three supervisors, all that give us the same fax number and NOTHING!! I'm so frustrated. I have my Transmission Logs from the fax machine showing the time, date & a copy of the first page faxed and I can't get any resolution to this.

    0 Votes
  • Ki
    kimo55 Jan 27, 2010

    My experience with ACS has, so far been, been negative. Repayment of my student loan began on 12/28/09, however, I was expecting to receive a bill but didn't get one. As a result my payment became past due and I had to pay a high late fee. I registered to login on their website but I'm currently having problems logging in. When I contacted customer service, I was met with rudeness and apathy. I was put on hold for about ten minutes and then cut off. I tried calling back but couldn't get through. I contacted ACS by email and recieved an autolmated response and no subsequent response after that. I wanted to make payments online, but due to the problems I've been having with the website, my payments will again be past due again. This really worries me If this is the kind of service I can expect from ACS.

    0 Votes
  • Bl
    bljj Mar 03, 2010

    ACS owes me six thousand dollars and I have gone thru the Department of Education Ombudson (which I found our are employed by contract by ACS). I have sent two hundred pages of documentation to ACS and our loan was bought out by them and consolidated and they did not adhere Check returns from the university. I was unable to get a department but finally got a SR Representative that said she would help me then REFUSED to speak to me and I audited my files as I used to be a professional auditor.

    They did not credit all my payments, when I paid my loans off, they held one thousand dollars of credit for one year, then they also did not sent an explanation of the money when they did send it and I am still waiting two years letter with all this documentation.

    I have contacted Student Justice Leaugue and was just recently contacted by Huffington News by a reporter that stated that ACS is known for this and some students are suing through the Attorney General Office. I encourage you to contact the Department of Education at once and go from there. You must ask for resolutions department and I was told this after two years and you cannot get them on your own, you have to go thru the Department of Education.

    I want my six thousand back and they still are charging me for a loan I don't owe and they were supposed to freeze my accounts while under audit.

    Ask them for an internal audit and to present you with documentation. What they did for me is type in on an excel worksheet with no documentation. Good Luck, I am tired of ACS and the point of contacts given by the poster are not working numbers BJ in Texas

    Go to your University Financial Aid Office also as they need to know.

    0 Votes
  • Bl
    bljj Mar 03, 2010

    Oh by the way, No federal agency regulates ACS, bad joke isn't it. BJ

    0 Votes
  • Bl
    bljj Mar 03, 2010

    You cannot send return receipt unless you have a person to send and there is no one to sign for it, tried that. BJ

    0 Votes
  • Na
    Nancy N. Alberson Mar 05, 2010

    After reading the complaints I am almost afraid to even consider retiring. I was trying to find any information on whether or not there is any kind of program at ACS-education that will have a forgiveness clause. After I retire I will be living on a fixed income and the $175.oo a month will just about clean out a large portion of my income. I have been making payments faithfully since I graduation in 1994. Before going with ACS I was with Sallie Mae. Must say they were easlier to deal with. I really need to know where to turn to for help with this problem. Please response.

    0 Votes
  • Ac
    ACS_H8R Apr 08, 2010

    ACS is a scam syndicate and a disorganized institution of harassers. I'm a victim of IDENTITY THEFT that actually took place through a different bank via the internet four years ago. ACS bought that loan from the bank a year and a half ago, and have been sending me bills every since. As of today, I've had to request my THIRD fraudulent loan affidavit form to prove I do NOT owe them any money, and ACS claims the first form I filled out never made it back to them. The second form I requested (after finding out MONTHS after sending the first affidavit back to them) was never sent it to me! It's like they don't want to admit they bought a loan from a bank that was stupid enough to give away money to any 'ol crook with a stolen SSN and the dexterity in their hands to click on an "I agree that I am who I claim to be" e-signiture button on their online master promissory note web page. So I get the feeling I'll never see this third affidavit form I requested because ACS doesn't want to deal with it, and this identity theft will NEVER be solved. Hell, the original culprit will probably get away with the whole thing even if I do prove my case. Meanwhile, these ACS loan sharks will continue to harass me for the money that I don't owe, all because they're is too ###ed or purposefully trying to lose paperwork... especially their affidavit forms that could make them forfeit their precious interest! I refuse to pay for a loan I never took out. But at the same time, I'm tired of this run-around.

    1 Votes
  • Kg
    kgchan Sep 10, 2010

    You should always check any statements you get from student loan companies. If they send you something in the mail about a change and you didn't read it, that's not their fault. It's yours.

    0 Votes
  • I've been dealing off and on with ACS for 4 years. Here are some survivor tips. 1) When they ask you to fax something. Fax it everyday for like 10 days straight. It works and I do have an at home fax machine. 2) When you want to pay more than the balance due. Have it ach through your bank. Don't have your bank send a check. I learned the hard way. A check ACS can claim they hadn't received it, when they have it, they can gain more interest before cashing it. I played around with my banking system and once I kept the payment under $850, they sent it electronically (anything more than that prompted a paper check). Now I wanted to send in $8000, so I had to setup 10 payments of different amounts (different by a penny - i.e 800.00, 800.01, 800.02 etc, . to total $8000) to get my bank to not send a check. I guess if you set up a large amount to pay through online bill pay - ACS can request that it get sent in the check form. Also, they changed my account number, when I used the new number a paper check gets sent by my bank I canceled the request and put in my old account number - it was sent ach. Since I wasn't formally notified that the account number has changed, I'm ignoring it for now. I just assume when they send a new payment booklet for next year it will be updated with the new account number. I hope to have the entire loan paid off by 12/31/11. I hope this helps someone out there, because ACS is sneaky and pesty. But we should just up our game too. Also, ach they can't deny they received, with a check- they can deny they received. I would never use their system to pay a bill. They will only pull on your due date - more interest for them.

    0 Votes

Poor Customer Service/support

My husband & I submitted a IBR (Income-based repayment) application to ACS on July 20, 2009. ACS received the...

Payments

I have had the same experiences with acs as many of you. My loan has just changed hands from a local company to this acs - education. Not only am i having the same problem wherein i made payments to my prior loan company that acs does not show, but now current payments i make to acs don't even show on my account! I guess you need to make your payment a full week or two early to avoid late charges.

Their customer service is horrible. I called to express concern over my payments not showing, and they would not answer a single question. They wouldn't even give me a guarantee that i would not be charged late fees due this situation being out of my control (Like i wanted to have my loan switched to acs and without my knowledge) .

If this continues i will be filing complaints thru any avenue possible. . . Bba, district attorney, ftc, anyone who will listen to me. I'm sure they will be better listeners than this sh** a** company. . .

  • Ac
    ACS_H8R Apr 08, 2010

    ACS is a scam syndicate and a disorganized institution of harassers. I'm a victim of IDENTITY THEFT that actually took place through a different bank via the internet four years ago. ACS bought that loan from the bank a year and a half ago, and have been sending me bills every since. As of today, I've had to request my THIRD fraudulent loan affidavit form to prove I do NOT owe them any money, and ACS claims the first form I filled out never made it back to them. The second form I requested (after finding out MONTHS after sending the first affidavit back to them) was never sent it to me! It's like they don't want to admit they bought a loan from a bank that was stupid enough to give away money to any 'ol crook with a stolen SSN and the dexterity in their hands to click on an "I agree that I am who I claim to be" e-signiture button on their online master promissory note web page. So I get the feeling I'll never see this third affidavit form I requested because ACS doesn't want to deal with it, and this identity theft will NEVER be solved. Hell, the original culprit will probably get away with the whole thing even if I do prove my case. Meanwhile, these ACS loan sharks will continue to harass me for the money that I don't owe, all because they're is too ###ed or purposefully trying to lose paperwork... especially their affidavit forms that could make them forfeit their precious interest! I'm refuse to pay for a loan I never took out. But at the same time, I'm tired of this run-around.

    1 Votes
  • Ti
    tim pohlgeers Aug 15, 2011

    This is by far the most god awful company in the world. I was to receive my 1098 for taxes in january but never received it. Called the company in june and was told that it would be sent out in 7 to 10 days, it is now the middle of august and still have not received it. I made a total of 3 call to have my tax form sent to no avail. I then got in contact with a supervisor named navia who assured me that it was being sent out. She gave me her phone number so that i could call her back to verify that my statementy was sent. I called her a total of 10 times over the next two weeks leaving my name and number each time and she never once bothered to call me back. This company is a disgrace. My original lender was wonderful but acs took over my loan in 2017. You people should be ashamed.

    0 Votes

Student Loan Consolidation

I paid my consolidation loan off in July 2008. Over 3 months later I started receiving bills from ACS stating...

Harrassing a Business

According to the Fair Credit Act a creditor is not to call your work if you tell them they cannot call your work. ACS seems to think they have the right to. Not sure why they continuously violate the law thinking they are in the right to call. I think someone from this company should seriously look at the Fair Credit Billing Act and quit breaking the law. If you are from this company reading the complaints about yourself you should know that when you call a business after the person you are trying to reach there tells you to quit calling you are breaking a federal law, which means you can get massive fines for doing so. Each time you are recorded doing this you can have a violation for each call that you make to that business. Since I work for a corporate company who has zero toleration for this I'd say they are in some serious trouble. Just to let you know ACS, I reported you to the BBB and OCC. I was told to keep track of your every call, and since my company records each call, you have no standing ground in court should my company decide to take you to court for harassment.

  • Ar
    Area Sick Aug 21, 2009

    Collection agencies have to abise by the F.D.C.P.A. Fair Debt Collection Practices Act. Filing a complaint with BBB will do you no good. To get an agency to cease collections efforts, you must send in writting, certified return receipt to stop calling you. At that point, they can make one call to you after that to advise they are ceasing all collection efforts or to informe you of their intent. With a place of emplyment, per F.D.C.P.A., you can tell an agency to cease phone communication at your place of employement, however, there will be no proof you told them. Send it in writting. If it continues at that point, you file a complaint with your state collection agency board and your state attorney general's office.

    0 Votes
  • Sh
    Shannon36535 Aug 24, 2009

    often if you read the fine print you agree to allow the company access to contact you when and where they need too. Not saying it is good practice but this is just another sneaky way around the fdcpa

    0 Votes
  • Re
    RealityCheck4U Oct 27, 2009

    Pay your loan payment and there will not be a need for them to contact you!!!

    You gave them your work number or else they wouldn't have it. You signed a statement saying that they have a right to contact you at numbers that you provide to them.

    So before getting lawsuit happy, pay your bill, know what you sign and stop sticking your foot in your mouth when you complain.

    0 Votes
  • Fr
    francenedresser Nov 16, 2009

    ACS Phone number in Utica, NY is 315-738-2200.Call anyone of these people here and compain
    Val Koch- Facilities Manager
    Jean Lewis vice president tel.315-738-6671
    karen smith
    dave young director
    gary eychner director
    mike palmetto director
    sara mccan business operations

    0 Votes
  • Kg
    kgchan Sep 10, 2010

    Yeah, you probably should've just not given them your phone number at work. And you may just want to keep up with your payments. So I don't really see how this is their fault.

    0 Votes

Poor customer service and support

I would like to say that I have had, and am currently having, poor experiences with ACS-education. Their...

Payment - Student Loan

Like others who have complained, I sent in my March, 2009 payment per usual, through my Wells Fargo Bill Pay...

Payment error

In the middle of March I received a call from ACS stating that my payments for Jan and Feb hadn't been...

Awful lender

ACS takes their time when opening your check that you sent them. They do this so that they can charge you a...

Added unsubsidized interest on subsidized loan with no justification and ignored complaint

My school loan changed hands multiple times--so many times it became confusing. Eventually, it ended up with AFSA, that then changed its name to ACS.

I never missed a payment, I never made a late payment, and I never took out an unsubsidized loan.

One day I looked up my account online and discovered close to $200.00 in unsubsidized interest listed as owed. I called the company and I wrote to them. After multiple phone calls and multiple different reasons provided as to why that debt was on my account, the last explanation provided was that they did not know why it was there because it was there when they took over the loan, thus I had to pay it. I wrote to them again, sending a registered letter they had to sign for, outlining the problem and my interactions with their company, disputing the debt, instructed them to provide an explanation in writing and that the interest be removed from my account.

I received one letter telling me they would investigate the problem and get back to me. Illegally, I never heard from them again. They continued adding interest to the unsubsidized interest. Eventually, I paid them $500.00 that I never owed them but I paid it when I paid off the loan in a large lump sum because we were buying a home and I wanted a perfect credit score. When I paid it, however, I included a letter telling them why I was paying it and that I still disputed the debt.

ACS never bothered to contact me, and they took their sweet time posting my final large payment so that they could charge the federal government more interest on the subsidized loan before they closed the account.

  • Ba
    Babs Oct 13, 2008

    Wrong acronym. Should have said ACS.

    0 Votes
  • Sc
    S. Chowdhury Feb 22, 2009

    I had student loans with Sally Mae and Mohela. Sometime in June 2006, I was pressured into signing up a consolidation deal with a company called Academic Funding Foundation. Little did I know that my loans would end up with ASC with significantly higher interest than I have been promised by the consolidating company. Like many others, I have fallen victim to a well-engineered scam run by people who are out to defraud the struggling college graduates. Is there any recourse or remedy?

    1 Votes
  • Je
    jen Mar 11, 2009

    ACS took over my loans without my permission or knowledge and I have had headaches with them ever since. The biggest one being that they added my undergraduate loans on to my consoldiation twice. It took me 1/2 a year to get this fixed (with negative credit reports for this period, because I consistently paid them the correct amount of money - but not for the extra amount of loan). They outsource much work. I have never talked to an American in my couple of dozen unpleasant phone calls. If this is government loan work, let’s give americans the jobs.

    1 Votes
  • Na
    Nancy Boyd Sep 26, 2011

    I just called ACS today. They hold my student loans and have been a complete nightmare to work with (as I see from other people too). On July 27th I received 4 separate pieces of correspondence from them in response to my application for reduced income payments. They were each conflicting and contradictory. I emailed ACS outlining what each letter said; however, no one ever got back to me. I emailed them again in August and no one got back to me. I then called and they said I was 40 days past due on my payment. They were rude and ill-informed. They had no knowledge of my written complaints and request for assistance. I said I can start paying them in October and asked for some payment arrangement so I wouldn't be behind in my payments. They said "well then you'll have to apply for a forbearance" for one month and interest will accrue. They said I would then have to reapply for reduced income payments. I asked if they had a formal grievance procedure in place and they said "no". What a Kafka-esque nightmare to be in. I did, however, notice that they are owned by Xerox and retrieved the email for ethics complaints. Is there a class action suit or anything I might join with others in? Thanks. Nancy

    0 Votes

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