ACS Education Services

Complaint: [redacted] Hello,I have already provided the account information shown on my credit reportThe account ends in ***.As far as type of loan, since I no longer have an account with ACS, there's no way for me to login and pull this information upI also have no way to locate my entire account number, as this entry on the [redacted] credit report crosses out everything but the last four digitsThe loan was received through the University of [redacted] at Ann ArborHaving my name, the last four digits of my account, and the University should allow you to find my recordsAgain, since you've already had the item removed from my [redacted] report, I hope you'll promptly remove it from [redacted] I appreciate your prompt attention to this matter Sincerely, [redacted]

After years of making every single monthly payment towards my student loan, I missed one month Once I noticed my error I made a double payment to bring my account current Upon reviewing my credit score I noticed that a "late payment" had be noted on my account As stated above since I have consistently made my payments I contacted the company to see if they reverse the reporting and I was told they would not It's unfortunate that once my payment was missed I received no calls, e-mails,or anything in writing from the company giving me a reminder or informing me that my account was delinquentIn an era where students are constantly deferring or not making payments at all, I'm in awe that this company would not reverse a reporting to my credit score after years of making consistent payments I would never recommend this company for any type of student loan financing When you have customers who are doing right by you, then a company should have some mercy and work with those who are trying

Good Morning-This letter is to acknowledge receipt of your correspondence from *** (***) ***.Due to Federal Regulations, ACS Education Services (ACS) requires a signed privacy authorization from the consumer to release any account specific information to a
third party. Since a signed privacy release was not provided, a detailed response will be provided directly to the consumer within days via US mail. ACS takes consumer feedback very seriously and we will immediately begin to review this specific situation. We appreciate the opportunity to respond and the case will be fully researched. Sincerely, Resolution Management Group

Due to Federal Regulations, ACS Education Services (ACS) requires a signed privacy authorization from the consumer to release any account specific information to a third partySince a signed privacy release was not provided, a detailed response will be provided directly to the consumer within
days via US mailACS takes consumer feedback very seriously and we will immediately begin to review this specific situationWe appreciate the opportunity to respond and the case will be fully researchedSincerely, Resolution Management Group

Good Morning- This letter is to acknowledge receipt of your correspondence from Matthew Galisa. Due to Federal Regulations, ACS Education Services (ACS) requires a signed privacy authorization from the consumer to release any account specific information to a
third party. Since a signed privacy release was not provided, a detailed response will be provided directly to the consumer within days via US mail. ACS takes consumer feedback very seriously and we will immediately begin to review this specific situation. We appreciate the opportunity to respond and the case will be fully researched. Sincerely, Resolution Management Group

Good Afternoon-
0in 0pt">This letter is to acknowledge receipt of your correspondence from *** ***.Due to Federal Regulations, ACS Education Services (ACS) requires a signed privacy authorization from the consumer to release any account specific information to a third party. Since a signed privacy release was not provided, a detailed response will be provided directly to the consumer within days via US mail
ACS takes consumer feedback very seriously and we will immediately begin to review this specific situation. We appreciate the opportunity to respond and the case will be fully researched
Sincerely,
Resolution Management Group

Good Morning-
0pt">
This letter is to acknowledge receipt of your correspondence from *** ***
Due to Federal Regulations, ACS Education Services (ACS) requires a signed privacy authorization from the consumer to release any account specific information to a third party. Since a signed privacy release was not provided, a detailed response will be provided directly to the consumer within days via US mail
ACS takes consumer feedback very seriously and we will immediately begin to review this specific situation. We appreciate the opportunity to respond and the case will be fully researched
Sincerely,
Resolution Management Group

Morning,
This letter is to acknowledge receipt of your correspondence from *** *** (***)
Due to Federal Regulations, ACS Education Services (ACS) requires a signed privacy authorization from the consumer to release any account specific information to a third party. Since a signed privacy release was not provided, a detailed response will be provided directly to the consumer within days via US mail
ACS takes consumer feedback very seriously and we will immediately begin to review this specific situation. We appreciate the opportunity to respond and the case will be fully researched
Sincerely,
Resolution Management Group

To Whom It May Concern,
10pt">This is in response to the above-referenced complaint filed with your agency by Alisha N ***We are providing you with a detailed response that addresses the customer’s concerns
Xerox Education Services, LLC, doing business as ACS Education Services (“ACS”) services two Federal Family Education Loan Program (“FFELP”) Stafford loan accounts on behalf of Ms***’ lender, JP Morgan Investment Bank, who contracts with ACS to maintain servicing, repayment and collection activities on their student loans. While ACS is the primary contact point for servicing activities, the loans are owned by JP Morgan Investment Bank and are serviced per their terms
On November 7, 2016, Ms*** remitted a payment which brought both of her accounts current. The current status was reported to the nationwide credit bureaus when they were updated with our automatic monthly reporting on November 30, 2016.
On December 2, 2016, ACS submitted a manual update to the bureaus to expedite the update of Ms***’ loan status to ‘current’. This update was completed on account ***
On December 15, 2016, ACS submitted another manual update to the bureaus to expedite the update of Ms***’ loan status to ‘current’ for account ***
Ms*** may contact our offices Monday through Friday from 8:AM to 11:PM ET by calling ###-###-####, or via email at ***. Additional information is available by visiting ***
Sincerely,
Dan F**
Resolution Management Group

This is in response to your letter regarding the above-referenced complaint filed with the RevDex.com (Revdex.com)We are providing you with a detailed response that addresses your
concernsFor
your privacy, a copy of this letter has not been provided to the Revdex.com
Xerox Education Services, LLCdoing business as ACS Education Services (“ACS”) services one
Federal Family Education Loan Program Consolidation loan for you on behalf of your lender, JP
Morgan ChaseJP Morgan Chase partnered with ACS in May to maintain servicing and
repayment of the student loanWhile ACS remains the primary contact for the servicing activities, the
loan is owned by JP Morgan Chase and serviced per their terms and federal regulations
Your consolidated loan was completed and disbursed on January 23, These types of loans are
set to begin repayment immediately after disbursement and there is no grace period grantedYour
first monthly installment came due on February 28,
In June ACS received notification of your half-time enrollment at University of Washington
Based on this information, an in-school deferment was applied to your account beginning June 18,
In August ACS received the last update from the University that you were no longer
enrolled at their school at least half-timeAs such, the current in-school deferment was shortened to
only cover the period of June 18, through June 14, An administrative forbearance was
also applied to cover the monthly installments due from June 28, through August 28, 2013; as
allowed by federal regulationsThis forbearance was utilized to prevent your account from reflecting
past due from June
With this update, your loan was returned to immediate repayment and disclosure was sent to confirm
your first payment of $would begin September 28, Due to non-payment of the required
monthly installments, your loan became past dueACS is required to abide by Federal Regulations
which require we report delinquencies to the four major Credit Bureaus when an account becomes
or more days past dueDespite diligent attempts to contact you regarding your account status, ACS
did not receive any payments or alternative arrangements from September through December
Your loan was accurately reported days past due in November and days past due in
December These credit remarks are valid and will remain a part of your credit history
Should you have any further questions or concerns, please contact our offices Monday through Friday
from 8:AM to 11:PM EST by calling ###-###-####

Good Morning-
0pt">
This letter is to acknowledge receipt of your correspondence from *** ***
Due to Federal Regulations, ACS Education Services (ACS) requires a signed privacy authorization from the consumer to release any account specific information to a third party. Since a signed privacy release was not provided, a detailed response will be provided directly to the consumer within days via US mail
ACS takes consumer feedback very seriously and we will immediately begin to review this specific situation. We appreciate the opportunity to respond and the case will be fully researched
Sincerely,
Resolution Management Group

Due to Federal Regulations, ACS Education Services (ACS) requires a signed privacy authorization from the consumer to release any account specific information to a third party. Since a signed privacy release was not provided, a detailed response will be provided directly to the consumer
within days via US mail.ACS takes consumer feedback very seriously and we will immediately begin to review this specific situation. We appreciate the opportunity to respond and the case will be fully researched.Sincerely,Resolution Management Group

Dear *** ***
This is in response to complaint number *** for *** ***
Xerox Education Services, LLC, doing business as ACS Education Services (“ACS”) currently services two Federal Family Education Loan Program (“FFELP”) consolidation loan accounts on behalf of Ms***’s lender Nelnet. Nelnet has contracted with ACS to maintain servicing, repayment and collection activities on their student loans. While ACS is the primary contact point for servicing activities, the loans are owned by Nelnet and are serviced per their terms and federal regulations
ACS reviewed Ms***’s accounts and determined that adjustments were required resulting from her Income Based Repayment (IBR) plan in December 2010, which caused a change to her principal balance as detailed below:
Account *** required a decrease to the principal balance of $2,Therefore, we have decreased her principal balance by $2,
Account *** required an increase to the principal balance of $As this adjustment was not due to anything she did or could have done, ACS has credited her account for the amount of the increase and there is no impact to her principal balance
These adjustments were required to be completed prior to the release of account information to her consolidating lender. The Loan Verification Certificate (LVC) was completed and returned to the consolidating lender on August 15, 2016.
We apologize for any inconvenience that Ms*** may have been caused while we ensured the accuracy of her accounts
Should Ms*** have any further questions or concerns, please contact our offices Monday through Friday from 8:AM to 11:PM EST by calling ###-###-####
Sincerely,
Sarah S***

While incarcerated, I made several attempts to contact ACS by mail to request a paper IBR application I received two separate computer-generated responses from themThe first was that I would need to access their website in order to apply for Income Based Repayment (even though I explained to them that I was incarcerated and did not have internet-access)Later, I wrote to them again requesting a paper application to apply for an Income Based Repayment plan - at that time I received a very confusing computer-generated letter, stating that my IBR application had been "received", but that they were unable to process it because, "they had not yet received the IBR application"It is feasible that one of my letters may not have made it to their mail processing center, which is why after not receiving a response from them - I chose to write to them againHad a human being at ACS actually responded to my requests through the mail, and not been forced to check a box on a computer, thereby creating a computer-generated letter, not correctly relating to my requests - this whole situation would have been easily remediedIn the past, the human beings I spoke to at ACS were very courteous and helpful to meHowever- when I was incarcerated and not able to contact them by phone or Internet, these problems aroseI tried to be as proactive as possible to keep ACS informed of my legal situation, and in requesting, completing and sending in the Income Based Repayment plan applicationsACS wants to automate all of their processes, in an effort to eliminate human jobs and increase their profit margin - however when an issue does not fit neatly into one of their customer management software programs, problems like mine are bound to continually occurI once again am requesting that ACS report to the three credit bureaus that my student loan payments have never been lateThank You,
*** ***

Good Morning,
"margin: 0in 0in 0pt;">This letter is to acknowledge receipt of your correspondence from *** ***
Due to Federal Regulations, ACS Education Services (ACS) requires a signed privacy authorization from the consumer to release any account specific information to a third party. Since a signed privacy release was not provided, a detailed response will be provided directly to the consumer within days via US mail
ACS takes consumer feedback very seriously and we will immediately begin to review this specific situation. We appreciate the opportunity to respond and the case will be fully researched
Sincerely,
Resolution Management Group

This is in response to the complaint received regarding the above-referenced complaint filed by *** ***
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Xerox Education Services, LLCdoing business as ACS Education Services (“ACS”) services one Federal Consolidation Loan account for Mr*** on behalf of the lender, JP Morgan Chase. JP Morgan Chase partnered with ACS to maintain servicing, repayment and collection activities on the student loan. While ACS remains the primary contact for the servicing activities, the loan is owned by JP Morgan Chase and serviced per their terms and federal regulations.
Our records indicate that Mr*** had submitted a discretionary forbearance request on October 31, 2016. The discretionary forbearance was rejected on November 2, as Mr*** has exhausted his discretionary forbearance time available.
I was able to reach Mr*** via telephone on November 4, and explained the reason why his forbearance request was not processed. We were able to discuss available options available. Mr*** was sent Student Loan Debt Burden (SLDB) forbearance along with a new Income Based Repayment (IBR) application. To date, no further documentation has been received from Mr***
Mr***’s account is reflecting as delinquent with a total amount due $4,at this time
Should Mr*** have any further questions or concerns, he may contact our Customer Care Department Monday through Friday, 8:00a.mto 11:00p.mET, at ***. For additional account information, he may also visit our website at www.acs-education.com.
Sincerely,
Samantha H***
Resolution Management Group

Tell us why here...Good Afternohave reviewed the complaint submitted by Ms***. We have revised the credit bureau reporting processed as of 4/30/15, 5/31/and 6/30/to reflect a current status. We have also removed the $late fee that was assessed. Previously, this customer was son coupon book billing. We have removed her account from coupon billing and she will receiving a monthly statement via the USPS.Thank you.Casey H***Manager, Campus-Based Student LoansXerox Education Services

Good Morning-
0pt">This letter is to acknowledge receipt of your correspondence from *** ***
Due to Federal Regulations, ACS Education Services (ACS) requires a signed privacy authorization from the consumer to release any account specific information to a third party. Since a signed privacy release was not provided, a detailed response will be provided directly to the consumer within days via US mail
ACS takes consumer feedback very seriously and we will immediately begin to review this specific situation. We appreciate the opportunity to respond and the case will be fully researched
Sincerely,
Resolution Management Group

Dear David Baker-
This letter is to acknowledge receipt of your correspondence from Johnny Robison
Due to Federal Regulations, ACS Education Services (ACS) requires a signed privacy authorization from the consumer to release any account specific
information to a third party. Since a signed privacy release was not provided, a detailed response will be provided directly to the consumer within days via US mail.ACS takes consumer feedback very seriously and we will immediately begin to review this specific situation. We appreciate the opportunity to respond and the case will be fully researched.Sincerely,Resolution Management Group

To Whom It May Concern,
"MARGIN: 0in 0in 0pt">This is in response to the above-referenced complaint filed with your agency by *** A ***-*** We are providing you with a detailed response that addresses the customer’s concerns
Xerox Education Services, LLC, doing business as ACS Education Services (“ACS”) services a Federal Perkins loan account on behalf of *** A ***-***’s lender, University of California-Santa Cruz, who contracted with ACS to maintain servicing, repayment and collection activities on their student loansWhile ACS was the primary contact point for servicing activities, the loans were owned by University of California-Santa Cruz and are serviced per their terms
Our records indicate that the Department of Defense document referenced was received by ACS. However, ACS does not complete these forms. *** A ***-***’s lender requires these forms to be forwarded to them for completion. ACS forwarded the form to them on August 18, 2016. We apologize for any inconvenience this may have caused
*** A ***-*** may contact our offices with any further questions or concerns at ###-###-####Agents are available Monday through Friday from 8:AM to 6:PM ET
Sincerely,
Dan F**
Resolution Management Group