ACS Education Services Student Loan Complaint

ACS Education Services Student loan department,

Non-federal student loan Dealing with my lender or servicer Having problems with customer service Massachusetts

Even though I have been a - since -, my student loans started coming due a few months ago because of a promptly fixed error at - ( where I am currently enrolled as a - ) that briefly reported me as - for Fall. I fixed the problem and ACS sent me letters reporting that they received my status and that my loans were on deferment. However, apparently this only applied to my federal loans ( ACS I think only just represents both my federal and private loans ) and this was NOT mentioned in the letter, which suggested all of my loans were deferred. I only found out recently that my private loans are still considered delinquent and I have received an array of misdirection and delays from ACS regarding this issue, even though I call them and - - ( whom I believe holds my loan ) on a weekly basis now. A statement I received today says that unless I pay all of my " delinquent '' payments by Thursday they might refer me to collections and potentially demand the full amount of my loan - approximately - ( it 's a " Right to Cure


In general, I feel like somewhere I received some bad student loan advice and possibly made some errors along the way. - University in -, where almost all of my loan debt came from, at one point issued me a flat, massive check for double my student loan amount then asked me to return half of that amount a month later ( thank god I 'm responsible - I had no idea this amount was an error because I did not need loans during my - career and - costs of living are so ridiculously expensive ). - also persistently printed my name as - - when contacting me about student loan issues and printed all of my checks with my name reversed ( or as -, - ) even though I faxed my loan companies corrections several times. I am even a tad bit skeptical that I required private loans in the first place, though I was told that I had hit my cap on federal loans for my - program - which might have been true. I have - federal loans ( currently at - and - ) and a private loan at -. I know that - had some terrifying student loan scandals in their financial aid office shortly after my time there, but I do n't believe the companies I used were implicated directly. The culture in general did seem to push me towards private loan companies, however. The - University Financial Aid Office was horrifically inept and even though I regularly tried to contact them, I never received any helpful advice or support. In general and partially as a result of - 's bad service, I chose - - because of their quick and easy customer service ( loans are confusing ). Once - - shifted to ACS, I became horribly confused with everything and their customer service quality dropped. I am not completely sure I have documentation of everything - ACS spams me with confusing mail regularly, at one time including in the same envelope a buried note saying I was in deferment and another buried note saying I was overdue, and the - University conversations were usually in person, over the phone, or via my now deleted - University email address. Information from ACS is hard to sort anyway since it is always buried in fine print and their letters are never formatted as letters, just financial statements with letters hidden inside. That said, I might have a lot of this information lying around still. I try to save whatever I can now. Anyway, sorry for all of the backgroun