Consumer complaint received 2016-06-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACS Education Services (NV)

hi i have disputed wrong information with ACS Student loan services through the XXXX credit reporting agencies for 2 years. i think i 've disputed 5-6 times. ACS never did a real investigation just sent back the same info everytime. the CRA 'S did not seem to do much either. the same reporting year after year. ruining my credit. made phone calls and emails none were returned. i was declared XXXX by SSA on XXXX/XXXX/XXXX. and i had a veteran XXXX discharge of my student loans on XXXX XXXX XXXX i told them this and they never investigated the dates of my discharge to remove late payments. now i did not have this paperwork because its hard to find hours and hours. im mentally XXXX with XXXX AND XXXX XXXX. i am a combat veteran from the XXXX XXXX. this has been very stressful ive about given up. how could my loan servicer not ever know that my student loans were discharged in two years of disputes. i know they are told by government that a loan has been discharged. i will enclose a credit report that shows the XXXX loans and where my non payments fell in the middle of my XXXX discharge date XXXX/XXXX/XXXX some fell before and some after. so it clearly points out that for over 4 years since discharge the have been reporting the same info even with disputes. if they had done a real investigation they would of found out about my discharge. they never sent me any documentation to verify their reporting. it was not until i threatened to contact government agencies that they took me seriously and uploaded XXXX documents for them to look at. before then i did not know who to even talk to. mostly front line CSR 'S that would never transfer me to a supervisor or the right department. sometimes they would just hang up on me. thats how ACS WORKS they give you the runaround. and it does not stop there. when they finally started contacting me through email. they started using secure messaging instead of just email. when i went to use the secure messaging all XXXX of my web browsers warned of security errors do not proceed bad website. i was scared of fraud and ID THEFT. BUT I TOOK A CHANCE AND GOT THROUGH AFTER AN HOUR. this will all be uploaded. then when i was filling out a response after 15 minutes the message would disappear and i would have to start all over again i couldnt deal with it. it seems their messaging system is like 7 years old. i believe they do this on purpose to slow you down and have you give up. it just made me more angry and want to fight. i was a XXXX. i finally talked to somebody on the phone today thinking they would understand. he said if the info i provided was good enough that they take off the payments that happened after my XXXX discharge and leave the ones before. still negative entries on my credit report. i asked for them to be deleted, he said no. i would have to prove my discharge at an earlier date. this is my argument. these guys can report wrong info for 4 years then for 2 years after many disputes and phone calls and emails never returned. now all of a sudden they might report the right info if they like my documents. they report the wrong info causing undue stress and hardship making my credit worse. and now they might put the right info on my reports. i want those accounts deleted. i showed them proof of my XXXX in XX/XX/XXXX yet the discharge did not happen until XX/XX/XXXX i asked for some compassion. my loans were transfered from wells fargo to ACS in XX/XX/XXXXto XX/XX/XXXX. during this time i was already XXXX and spent XXXX different times in inpatient hospital with the VA XXXX for 8 months XX/XX/XXXX to XX/XX/XXXX and i had alot of XXXX. yet they will not work with me even after all their wrong reporting for all those years. they report wrong for years and dont pay a price. they just have to fix it now. wrong.they should be held liable