ACS Education Services Student Loan Complaint

ACS Education Services Student loan department,

Non-federal student loan Dealing with my lender or servicer Received bad information about my loan Virginia

On -/-/- I contacted ACS in order to get assistance with bringing my account current. I was told that I did not qualify for a forbearance. On -/-/- at - I called back with a rep from the loan guarantor on the line. I spoke with - - who said that I was eligible for a forbearance for 4 months. She further represented that my accounts would be brought current, the forbearance had been re-submitted and was pending and she had expedited it. In - I received a bill from ACS requesting a payment for a date that had already passed. I began calling ACS immediately to correct the errors to my account and deterine why it was past due. I was told that the forbearance was not applied for - as I was told it would be. In addition I was told that the income based repayment that I applied for was not applied until - - $13000.00 ) and therefore, I was past due for the standard amount ( $ - ) for the month of -. I made an immediate payment as instructed in order to prevent my account from being reported more than 30 days late.


ACS, informed me that the - payment would be corrected to reflect the payment due of $130.00 and that the negative credit bureau reporting for the months of -, - - and - - would be removed. I was told on both - - and - -, - that internal investigation requests had been submitted and that - would recieve results within -10 business days. Despite following up on many occassion in writing, I have yet to recieve results. I requested a copy of my promissory notes on - -, -. I have not recieved a copy as requested. I have rquested a copy of all correspondence that was sent to me since - - and was told by - as well as a supervisor, -, that ACS would not and could not provide correspondence because it had already been sent to me and ACS does not keep a copy of correspondence. My loans are being reported as 165 days days past due on - -, - and today I was told they are 168 days past due. Each time I call the loans are past due for a different amount, a different number of days, despite making payments on time for my current payment amounts.. I have contacted this company trying desperately to resolve my account without success or response.