ACS Education Services Student Loan Complaint

ACS Education Services Student loan department,

Non-federal student loan Can't repay my loan Illinois

I attended - - - from -. I took out private loans. I have since been repaying them on time. I only had - six month forbearance for the life of the loan and used that in -. I was laid off last - and was collecting unemployment insurance. That ran out at the end of -. I called ACS Education who I make my payments to and requested some sort of hardship forbearance. This was on - -, - and I spoke to - -. This call took place around - central time. I made my request, she put me on hold, then came back and told me that I was granted a two month hardship forbearance. She told me that I did not need to pay my loan for the months of - and - -. I explicitly asked her to confirm and she told me not to pay my loans for those months. They have the call and record and you will be able to retrieve it. She sent me the forbearance request form to sign and I signed it and emailed it back to her. In the beginning of - I received a call from the


- past due balances. I called to inquire why this was only to find that the forbearance request was denied. I explained the situation the representative, -, said she would research it. She did over a few weeks. In that time, I received a call from - and -, a collection agency who is extremely nasty. In the time they were researching this situation, ACS reported me to a very nasty collection agency who demanded I make payment. I researched this and contacted -, and called - and -. back only to find out they had sent the case back to ACS. - then contacted me a few days later I was told that they went back to the lender who denied the forbearance. I then requested to speak to her manager. I told him that this was on ACS for giving me misinformation and that I want them to credit me for the total past due which is $620.00, as I can not pay it. He said he 'd look into it. He called me back yesterday denying my request. In - separate calls, admitted this was the fault of the ACS represntative. - of those calls was on -/-/- at - central time. Again, I urge you to pull that call for this investigation. I was basically told this was their fault, but that I have to pay the past due. I was not offered a payment plan or anything. I was simply told that I need to make a payment by the end of the month or it will be reported to a the credit bureaus. This is beyond unacceptable. I was TOLD to not pay my loans for - months by a representative of ACS. They are ADMITTING fault, and yet refuse to work with me. They must make reparations and pay for the - past due balances, a total of $620.00.