ACS Education Services Student Loan Complaint

ACS Education Services Student loan department,

Non-federal student loan Dealing with my lender or servicer Trouble with how payments are handled Florida

I have a private student loan from ACS and have experience several issues and inconsistencies when paying for my student loan. First, I do not deal with ACS directly but with an establishment called - -. - - automatically debits from my debit card for payments to the ACS owned loan. As much of an convenience this sould be, - - has failed to debit my account for payment on several occasions. When this occurred I was never notified the account was past due until 30 to 60 days with a phone call from a representative from - -. However, if it was 30 days late instead of asking for the past due amount of - dollars. I was yelled at and requested to provide a payment of - dollars at a time. When I asked how this number came to be, I was told about the past month, the next month. If my math serves me correct that would be a payment of - dollars. So I would not pay they allowed me to pay the miss payment and set up my account for debit for the follow ( next ) payment that was due in several days or


2016. However they had bank account and routing number info as well in order to make payments. This did not occur and I received a phone call for - dollars. Everytime they call it 's a new large crazy number they know I would not be able to pay. Then they stated they have a new deal for restructuring my loan since I went 2 years with no payment issues. I was told to - - as a new monthly payment. I asked about the late charges and late payments, with a request to have them removed off the credit report. I was advised with my new restructuring of the loan those late payments would be removed and just paying a flat fee would ensure that. I was advised to electronically sign the new deal and provide a new payment. I went to read the new deal and actually due to their website could not read the contract but it only provided a table of sorts about how it works. I signed this deal and provided payment. A month later checking my credit report late payments of 150 days was report and the credit score dropped at the worse time. I 'm in the mist of buying a house for our new family. But even though only - and - were missed ( even with me paying a large payment to catch the account up and reflects on the pdf ) my credit report states I am currently ( as of - ) still 150 days late on payments. However, the credit report and reporting from ACS states I made full payments in -/-/2016. Again going back to my basic math, I did not know 150 days were in - and - combined, I guess 2016 was a very large leap year. On this pdf attach you will see - payment - and - - payments. - of those - payments for - dollars for - and - plus an amount down for restructuring the loan for a lower payment. I have complied with every wish and demand of ACS and - - only to be let down once again and given the run around.ACS and - - both record their lines when on the phone with customers. If you request - -, 2016 between the times of - and -, you will hear a conversation with me and their representatives about removing the late payments per the new contract and a letter stating they would on - -, 2016 the next opportunity to report to the credit agencies. This did not occurred and another phone conversation for -/-/2016 at approximately - stating ACS and - - will not do this as agreed. And I could write a letter but that 's not a guarantee they will fix the error as previously agreed to do so. No contact about these late payments were given