What Does This Program Do Acs Loan

1. What Does This Program Do Acs Loans Mean
2. What Does This Program Do Acs Loan Mean

If you need to know whether ACS Education or not, then you need to read few share about from people in this ACS Education Review article, Both positive and negative reviews. I have about 67K in student loans taken out from Direct College Loans. I have another 20K from Wells Fargo. I'm in grad college still. I've found out that on my credit history, ACS has listed my debt TWICE making my total debt about 154K - which isn't correct. I filed Insolvency and ACS was listed and granted discharge of them, they do not want to take my papers, I have sent it numerous times.

Emailed it to them. Nobody WILL correct this. I never contracted with them; Direct Study Loans manages my debt.So why am I getting charged by BOTH places for a Similar DEBT. I attempted to log into ACS-Education.com, and they do not actually have my SSN number registered HOW IS THAT POSSIBLE!!!! On my account stub it has my previous married name from 2005! And it is saying my bank is the US BK NAT as TRUSTEE / BRAZOS.

( Brazos was also listed in my Insolvency. As of March, the scholar loan I had been paying thru Wells Fargo Education Monetary Services was all of a sudden managed by ACS-education. I do not receive monthly statements if I pay higher than the minimum sum outstanding, the acs-education shopper service reps are not able to answer my questions, and I mysteriously had two payments due this month but did not receive a second statement - merely a notification through the web I Had a payment due ( I haven't switched to paperless billing ). I noticed that the second payment was due when I logged in to the acs-education internet site to make certain the payment had gone thru. I was leaving on a ten day holiday early the subsequent morning, and their call center was closed so I was not able to get some more information about the provenance of the poser payment, which I never received a statement for but which was showing up on the internet.

I made a decision simply to make the payment to avoid a late penaltiy because I did not want it hanging over my head while I was on holiday. I could not find the payment address on my last statement, though, and their automated telephone system was down so I was not in a position to get the address that way. I then attempted to find the address on the internet. They do not have the payment address online, which appears stupendously peculiar, so I sent the check to their surface mail contact address in Utica, NY that is noted on the site. Just about 2 weeks later on the payment still has not registered. I am now past due on my payment thanks to this peculiar 2nd payment due on the same date as my prior payment. A rude and impatient purchaser service rep asserted my check has not been processed as it was mailed the incorrect address ( never mind the right address isn't in writing anywhere ).

She snidely informed me that I should have sent the payment to an address in Pittsburgh. When I explained why I was not capable of finding that address, she continued to be rude and declared there wasn't any way to guesstimate how long it would most likely take to process the payment. She announced that once it was received in NY, it'd be forwarded and that no late penaltiy would be considered for two weeks after the payment date. What she could not / would not let me know was what would occur if it took longer than that for the Utica office to send the check to the Pittsburgh office.I never had a single difficulty with Wells Fargo. They sent me a statement each month, irrespective of whether or not I was ahead in my payments.

Here are other ACS Education Complaint reports from some people: Here is one of by Michelle fromCA on April 3, 2014. Here is what Sultan Maxwell said about ACS Education program: ' I have been dealing with this company for a while now and several times I had explained to ACS, because of economic hardship from last year up until this year I could not pay back on my loan until I was working full-time. Since the Summer and FAll season of 2010 I have been faxing them left and right about my deferment and application I had to fill out.

Everytime I call ACS claims they never recieved a fax from me; I have given them dates, time, and phone numbers that they gave me to fax and got zero feedback. I felt something was and still is wrong. Since then I owe more and is still hounding me.

Time to get legal action against this company because I do not owe all these extra fees ACS is claiming.' And here is what Ian said: 'This ACS company told me that I had federal loans in DEFAULT and that they were going to take my Federal Tax return if I didn’t pay them. I never took out these loans and they don’t even have the right information on file about me. I have already taken on Loan company to court and won, now it looks like I am going to have to do it again, Good luck with your dealings with them.'

J oe said ACS education scam is real:'ACS are scam artists and their barely-literate and foreign phone ‘help’ staff are pathetic. I got a letter dated (on the letter itself) the 22nd of November saying I owed a payment by the end of the month (which I do not). The letter was postmarked on the 29th. Did someone print my letter then sit on it for a week before mailing? Or did they purposely back date it and mail it a day before the date by which I supposedly owed them money?

These guys are a joke.' 'I have just had similar experience as above. Had consolidated my loans with CFS, an awesome company out of Misissippi.

They were taken over by Chase, then I am notified that ACS is managing my accounts. Thinking back on it, I remember having another dealing with them several years back when I simply went onto a website for information and ended up being their client. I am not even sure whether they are supposed to be handling my loans at all.

I have faxed them twice last week with a deferment and am still told they have not received it. I am going to double copy and document everything in detail in dealing with this company as the above experience of others warrants and would recommend this to all clients of this company.'

And Alboski said the same thing, He believe that acs education scam: 'I was informed acs took my account back over and a payment was due. So I mailed payment to address provided. Two weeks later I receive a letter saying payment was not received.

So I spent a week calling and not getting thru. Finally I get a answer after waiting on hold for thirty mins. The clerk then explains to me that the address I sent payment to no longer exist WTF!

So I asked her when was I gonna be notified bout this. No clear answer so I asked will I be held late and in default by this mess up. In so many words it my fault so I asked over and over how is it my fault. On top of all of this mess she tells me she knows nothing of address I sent payment to and its on the letter they sent me.

I hate THAT PLACE!!!!!!!' Another person who called Sky Blue publish a complaint to ACS education program too, here is what he says: ' is the worst thing to deal with. I’ve been repaying my college loan through ACS and from the beginning of my first start with ACS, every moment has been agony. Including not being able to update my address for the entire year. Their system just sucks. Now I have to repay a few hundred $ at once thru ACS, and I’m scared of their mishandling.' Abbi said have no Problem with ACS-education: ' I’ve never had ANY problems with.

They always managed my school loans from the time I took them out. I started repaying them at the requested time set up automatic payments, ahve been paying for over 3 years and have NEVER had any issues. My credit history is correct with them. I am able to log in a print tax documents each year to write off the interest with NO ISSUES. Istumbled across these posts by accident and it’s crazy to see all these people having so many issues.

I have also called into the help desk to inquire about if I make extra payments will it go directly towards principle the woman spoke very clear english and was very helpfulSorry everyone else had such a bad experience.' But Will disagree with Abbi:'Abbi, I simply don’t believe you. I’ve never spoken to a single person there that spoke english well, and I’ve called dozens of times. I’ve never received correct information until it’s too late. I was told I would NOT have to make a payment until April of 2012. I called today: I’m 58 days delinquent. These are bad people, practicing bad business.

They are very adept at accruing late fees and service charges for mistakes that they force on you. So, Abbi, you’re either an ACS drone, or you love punishment. If you’re the first, shame on you. If you’re the second, we should meet cause that sounds like it could be fun.' Kelly choose to be a neutral person about acs-eduaction: '@ Will-you really have no reason to take your frustrations out on Abbi, and accuse her of being a liar. I also have my student loans serviced through ACS, since 2005.

I have called in and the person I spoke with spoke perfect English, and was also helpful. I have my payment drafted out of my account on the payment due date, and ACS reports this info to the credit bureaus THE NEXT DAY! If you’ve ever dealt with your credit report, you know that next day reporting is rare and FABULOUS! FYI, I don’t work for ACS-Education, and I don’t believe Abbi does either.' So, just read all of the good and bad review on ACS Education program above. And you decide is. Please drop your comment below if you have personal experience with this company an you wanna share with us here.

And you could if you want to send your any question directly to them. And if you still have few times here, please visit our other reviews like:. Anonymous I have always got great service and no problems with Wells Fargo. I have had nothing but problems told they haven't posted my payment for up to a week and said I should send them earlier.

I have a late fee show up on my April 2014 bill from March 2013. I needed to apply for a forbearance they told me I needed to may a full payment or I could not receive the last 12 months coming to me. I asked for a copy the guidelines that state this and they said it is an agreement between ACS and Wells. It not part of the promissory note I signed. I was told they could send me a letter but not the actual contract of that. The customer service is the worst I have ever dealt with. Something has to be done about companies like this.

No wonder why so many loans go in to default, it is because of the ignorance of companies like this. I would like to file a formal complaint but not sure. Anonymous I am writing to complain about ACS (my student loan provider). I have written a prior complaint of the same nature about my other provider, Great Lakes. I am currently in school half-time cumulatively: one school is the University of Kansas (5 credit hours), and the other school is Johnson County Community College (1 credit hour). I recently received a bill from ACS stating my first payment is due on. Therefore, I called them to report I am in school half-time, because they need to place my account in deferment status.

I spoke to a supervisor named Tory on at about 2:00pm after requesting to speak to a supervisor. She states that I need to have each school complete paperwork stating I am in school half-time.

I advised her that I encountered a problem with this paperwork when attempting to complete my deferments with Great Lakes. The problem is the paperwork makes each school acknowledge that I am part-time, and I am under part-time status with both colleges. Rather, I am cumulatively taking 6 credit hours which makes me part-time overall at both colleges.

Tory states that unless the colleges sign this paperwork, they will not place my account in deferment status. I advised her that the entrance and exit counseling merely status part-time status, it does not state that it cannot be cumulative, and they are essentially violating the terms and conditions of their contract. Moreover, I advised Tory I had to report Great Lakes to the Attorney General’s office of Kansas, the BBB, and to Ombudsman’s office, and the company finally cleared it up without requiring the schools to complete the paperwork due to the mass confusion they created with paperwork wording. Rather, Great Lakes picked up the phone and called each school to verify my part-time status. Moreover, they stated that I should have been advised by the original representative at Great Lakes that each college could complete a letter stating my total hours, basically making it an addendum to the paperwork that would reflect under part-time status at both colleges, and it would have allowed Great Lakes to place my account into deferment. Now, I am having to go through the same thing with ACS, and despite explaining the process to them, which they should already know, they still refuse to place my account into deferment status unless I provide the signed paperwork (not admitting the addendum) with the schools each checking I am enrolled with them half-time.

And just like Great Lakes originally thought, ACS believes I have to be enrolled in at least one college half-time rather than accepting cumulative coursework. Therefore, I need to report ACS to the same organizations that I reported Great Lakes to about a month ago. I have reported ACS to the following organizations: BBB of Upstate New York; the Attorney General of Kansas; the Attorney General of New York; the Ombudsman over student loans; and I have even gone as far to write the White House. Anyone who has complaints with ACS should follow the same steps. Anonymous I am on a Level repayment plan with ACS - or so I thought. And of course I'd think that, as right there on my account statements it clearly says 'Repayment Plan: Level.' Yet, they are trying to both wrangle more money out of me per month (a $150 increase) as well as telling me I cannot release my cosigner.

Their reason? They say I am on a graduated plan and then blame it on Access Group (my original loan servicer) for the mixup on THEIR (ACS's) site.

Also, I agree with the above comments; no one I have ever spoken with is a native English speaker, which makes it confusing when talking to them about such highly technical subjects as interest rates and whatnot. Also, whenever they respond to a query via email, it directs me back to their site and asks for something called a passphrase - which I am unable to set b/c no matter what I do the site won't accept it.

About Student Loans Student loans are the funds that are offered by government and private lenders in order to make higher education accessible to students from all walks of life. These loan programs are of many types. Some are meant for students who demonstrate need while others are available through credit check. Also, the eligibility criteria to benefit from these financial aid programs vary by its type. The rate of interest and repayment period in these loans is also variable.A Federal loans are considered more beneficial as the rate of interest in these types of loans is lesser compared to the rate of interest of the private student loans. Private students are also called as alternate student loans. ACS Student Loans ACS student loans allow student to find the best loan program.

With the help of these loans, student can manage the cost of their education in an easy way. Most applicants are able to avail ACS loans without much problem. This is basically an online financial assistance service that can hook students with the most suitable lenders for their particular financial need related to their education. Getting ACS Student Loans In order to get ACS school loans, applicants need to fill out the FAFSA form and submit it. This form is free and helps to determine the amount one can avail by means of loans that are sponsored by the government. Through this form, one can also find out if he or she qualifies for other financial aid facilities for students like grants.

Once the FAFSA form is completed, applicants will get the student aid report. ACS then enables applicants to come across the best loan program in the form of government funded, university, or private loans. ACS education loans will prepare an outline of all the details and present the students with the best positions according to their particular requirement. Benefits of ACS Loans ACS student loans make the complicated process of finding a suitable loan program easy.

Students will be able to avail the best loan program and manage the expenses related to their education by making use of this wonderful online financial assistance service. Frequently Asked Question(s) Q:Can you tell me about ACS student loan payment? A:ACS student loan payment is an easy process as it provides the convenience of handling all the loans online. Mostly student prefer this mode of payment, as one finds all the required information on the website. From being able to see your account and balance to making timely payments it offers all benefits of managing funds online. Q:My search related to ACS student loan servicing led me to a course named Interviewing Techniques for Fraud Investigation. Can you tell me its details?

A:It is very common to come across the reference of various programs you can opt for with student aids if you go through search such as ACS Student Loan Servicing. Interviewing Techniques for Fraud Investigation course is included in a number of programs related to accounting and finance. In this course, the students are introduced with various techniques used while interviewing for fraud investigation. Q:How can I retrieve my acs student loan login if I lose my student username or password? A:If you have lost your login information, just click on the Forgot Password tab on the borrower services homepage.

What Does This Program Do Acs Loans Mean

This page will allow you to get user name and password information. To get your username you will have to enter your social security number and password and click User Name.

If you don't remember your password enter your social security number and click on Get Hint. Q:Tell me about ACS student loan consolidation? A:ACS student loans are a great financial resource for anyone looking for financing their higher education. A lot of students opt for this option since these loans are easily available. However, when it comes to paying these loans off, the best thing to do is consolidate them with other federal student loans.

This will undoubtedly make the repayment process much easier and you will also get a few other financial benefits of consolidating all your federal loans together. Q:Is there ACS student loans customer service from where I can inquire for information? A:ACS student loan customer service department handles the queries of those who need assistance in this regard. As all student loans are managed on site the students can easily track the schedule for payments and check on their status. For any clarification or questions, there is customer service department that can guide you with detailed information on student loan products, the rates on the loans and other processes.

The detailed information is also given on the website. Q:Can I consolidate my federal loans through ACS student loans? A:Yes you can consolidate your federal loans through ACS as it will give you several advantages.

You can end up making a smaller monthly payment which is a huge relief especially if you are struggling with your financial health. However a lower monthly payment will mean that you will have to pay more interest. Q:While searching for information on ACS student loan, I came across FAFSA Independent. What is that? A:Not everyone can apply to become a FAFSA Independent, there are a few terms and conditions you need to fulfill in case you want to be eligible for this program.

What Does This Program Do Acs Loan Mean

To begin with you need to be at least 24 or older by the end of the year in which you apply for being a FAFSA Independent. You need to be recognized by the state as an orphan or a veteran of the armed forces of the United States. You can also be declared a FAFSA Independent if you are married or have dependents recognized by the law. Q:What are the benefits of acs education loans? A:Finding the perfect student loan can require a lot of time consuming research, ACS student loans helps students find the best loans available. With the help of these loans, student can easily calk out a budget and manage the over all cost of their education.

ACS loans are not difficult to get and are accessible quite easily online. All students have to do is go online to their site and check out the financial options available. Q:Tell me something about the ACS educational loans? A:ACS student loans are not exactly loans as such, infact they are the means to finding the best loan for your educational needs. With the help of ACS, student can easily research and find the loan that best suite their financial needs, and will not break their bank when it comes to paying back their loan.

It is not very difficult to get loans through ACS, since it is an online financial assistance service that provides students with the most suitable lenders for their financial needs. Q:Tell me about ACS school loans? A:ACS school Loans is an online resource for students in need of financial assistance in order to pursue higher education. ACS Loans helps students find the perfect lender with terms and condition which suit the financial position of the student. This is helpful since students don't have to spend hours online searching for the perfect loan for their financial needs, ACS matches the student with their most suitable loan and lender in no time. ACS loans are very easy to access and applicants can easily apply for them by filling out the FAFSA form online.

Q:Can an ACS education loan cover my book expenses? A:Yes, an ACS student loan can help you cover book costs.

The core aim of student loans like these is to make education an affordable pursuit for many. Students can use the loans to cover a wide variety of education related expenses such as book costs, tuition fee, traveling expenses, accommodation and boardroom costs, and other material expenses. Q:Are ACS student loan services easy to deal with? A:ACS' student loan services are extremely easy to deal with, especially if you wish to apply through our loan search widget which allows you to search and select loans from the convenience of your computer. The necessary documents will be sent to you promptly and your loan application processed accordingly.