Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACS Education Services
State: WV

Complaint narrative:
To be absolutely clear- I do not owe this student loan that the 1099 was issued for Debt Cancelation. I have contested this debt since the XXXX. Please look at the history transcript for payment supplied by Conduent Education Services in prior CFPB filing and the companys statement that they can provide no printout of payments prior to XXXX. I have been requesting the transcripts of payments for XXXX to XXXX for almost 27 years. 

I had supplied a list of payments years ago that were not credited as I made monthly payments on two loans for all those years ( XXXX ). It was two loans because I sat out of college for a year in the middle and it was set up as two loans. Since it has been so many years, I no longer have all the documents. I believe I paid over {$250.00} a month on the two loans combined. There were always problems with the amounts being misapplied to one loan or the other. 

Then in XXXX or so, I got a notice that they would combine the loans to stop the confusion. I said, " never mind just give me a pay off as it was a 10-year loan and I have paid 8 years of the loan. At that time, I was told I basically owe the whole amount and no accounting could be made for my payments. I do not owe Conduent Education Services money. There was no loan balance to forgive or Cancel. I also notice that the payments made on the transcript for XXXX forward are not accurate. There is no indication of 2 separate loans and it appears the payments are sporadically applied and that often only one loan payment amount not both are applied. 

I would also like point out that Conduent Education Services states that from XXXX to XXXX I paid only {$1200.00} and the entire amount was principal. Right there that is ridiculous and shows how false the prior companies accounting was. I, of course, paid more than {$1200.00} in 8 years and there is no way any company would have applied the entire balance they say I paid to principal. 

The false records and failure to accurately and timely apply my payments, as well, as supply me with a transcript of payments demonstrates the fact that I do not owe this money. 

It is ridiculous to assume I can locate documents from 30 years ago. Conduent has made no attempt to locate the records. My research of Conduent Education Services also revealed that it was previously known as Affiliated Computer Services ( ACS ) and had a contract with the Department of Education to XXXX XXXX XXXX loans. In XXXX and XXXX, the U.S. Consumer Financial Protection Bureau ( CFPB ) investigated ACS. Some student loans werent properly updated and had incorrect principal balances. This is the exact issue I was raising with the administrator of my student loans since the late XXXX. I paid on time for years and the principal was never reduced, and no explanation could ever be given. 

The XXXX was mailed to an address that was over 38 years old and of course did not reach me. The company had my address over the years ( although I do understand that because each company, over 3 different companies including Conduent Education Services kept getting in trouble for misapplying payments and other issues these companies changed ). Regardless, I have corresponded with them for years. Occasionally this would appear on my credit report and I would have it removed. Conduent Education Services had access to my current address. The letter they enclosed when they sent the 1099 to an address over 27 years old indicated the forgave the address because they were going out of business ( from my research it was being in trouble once again for malfeasance on student loans ). Why is this my problem. My last contact with whomever was administrating this loan was in XXXX when they agreed it was resolved for good. 


To be absolutely clear, I do not owe a student loan to be a Cancelled Debt causing a 1099 which causes taxable income. I work for the IRS and will cause me trouble at my job. When that happens, I will be taking legal actions against the responsible parties. 

If Conduent Education Services does not withdraw this 1099 and supply me with a written acknowledgement that is happening by XX/XX/XXXX, I will take the following actions. 

I will file in Tax Court to challenge your 1099. 
I will contact the Department of Education. 
I will contact Congress and ask to be put on the list to testify to in their hearings. 
I will contact my Congressman to intervene on my behalf in the resolution of this issue. 
I will contact the US President as he is going to weigh in on the forgiveness of student loans and this is a major example of malfeasance. 

Please supply the phone number and address of Mr. XXXX XXXX so that I may subpoena him to tax court if this document is not withdrawn. I will also need to know where to direct my lawsuit for damages to my credit and employment if this 1099 is not withdrawn. 

Please contact me if you have any further questions. I really don't know what else to say except this is irresponsible and legally wrong.

Company response to consumer: Closed with explanation