Consumer complaint received 2016-10-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services
State: ME

Complaint narrative:
ACS I believe they are a total fraudulent scam of loan service providers if they truly are. They are supposedly servicing my loan from XXXX in XXXX, MA. I have had a few dealings with them since XXXX. They always tell me my address and/or phone number is incorrect. That they have corresponding with me consistently over the course of time by postal mail and e-mail. They also have my mother 's contact information This is not true. I have n't received anything from them except right after I left school and once about a year ago. Since then neither of us has received anything. I instantly received something about a year ago that I was going to have a payment due. I supposedly got a deferment from them from XXXX XXXX to XXXX XXXX. I have called them numerous times over this years time for documentation of some kind and information over the phone but I 'm always given the run around because I always speak to a different person who has no idea what they are doing or anything about my loan except an overdue balance with interest and late fees attached. They informed me over and over again that it is my responsibility that I owe it whether I received any correspondence or documentation from them at all. All of a sudden I get correspondence from them twice after contacting them these last few months and weeks. I have ask numerous times for paperwork to allow my mom to speak on my behalf and they said they have sent it but I 've never received anything. My interest rate is an astonishing 10 % interest rate and I have been told they can do nothing to accommodate me with my loan. I just need to pay the amount due. My recent correspondence states that I am over due by almost 2 months. The next one I received says I 'm only over due a few days. I have been told that I can not consolidate or transfer to a different company. The last two weeks they have called my personal phone numerous times a day 7 days a week while I 'm working. Numerous times I asked for paperwork to defer my loan again to no avail. I believe this company needs to be fully investigated for fraud and scamming individuals financially. The people are very rude and unhelpful. I believe they have purposely misled me and have hung up on me numerous times when I have called asking questions concerning my account and they ca n't answer the questions I ask except with a scripted answer for everything with no concrete answer. Supposedly from what I have read online sometime in XXXX school loans were transferred from this supposed XXXX loan servicer if they are one to other companies so why do I still have them as a true servicer of my loan. Numerous people have submitted complaints about these people and I believe that they should be held accountable to all the financial practice laws. I have recently filed a identity theft report with the Federal Trade Commission about this company. This company has many many different phone numbers and addresses with which to contact them.

Company response to consumer: Closed with explanation