ACS Education Services

Good Morning, This letter is to acknowledge receipt of your correspondence from [redacted] 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

Hello-This customer's account is being serviced by the FFEL division of Conduent Education Services in Utica NY For tracking purposes, please route this complaint to the Revdex.com of Upstate New York so it may be properly delivered and responded to.Thank you[redacted] [redacted] *** ***

This is in response to [redacted] ***’ rebuttal regarding the above-referenced complaint filed with the Revdex.com (Revdex.com) We are providing you with a detailed response that addresses her concerns, as my attempts to reach her directly were unsuccessful Ms***’ payment of $has been applied to her account effective June 29, Our review has determined that Ms***’ payments are being received through a bill-pay service, which is listing the last four digits of her Social Security number as the account number on the checks being sent This has caused the payments in question to be applied to other accounts with similar demographics as hersWe recommend that she change the memo field through her service to show the account number of [redacted] , as this account number definitively identifies her account Payments received with this account number will be split between her two accountsIf Ms [redacted] would like to specify that a particular payment be applied to a specific account, we ask that she indicate on the check which account she would like it applied to [redacted] )No late fees or derogatory credit reports have been assessed as a result of this payment misapplication, which may be verified online at www.acs-education.comShould Ms [redacted] have any further questions or concerns, she may contact our offices Monday through Friday from 8:AM to 11:PM EST by calling ###-###-#### She may also email us at [redacted] , or access her account online at www.acs-education.comSincerely, [redacted] ***Resolution Management Group

Good Afternoon- This letter is to acknowledge receipt of your correspondence from [redacted] 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- This letter is to acknowledge receipt of your correspondence from Narine Mikaelian 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

Dear David- This letter is to acknowledge receipt of your correspondence from Krystina Messick.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 mailACS 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 researchedSincerely, Resolution Management Group

Morning, 0pt;">This letter is to acknowledge receipt of your correspondence from [redacted] *** 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 the worst student loan company I ever hadThe CSR's tell incorrect information and refuse to fix the issues when addressed

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] The business responded by requesting that I submit an authorization for release of my records to the Revdex.com so that they could respond If I don't allow the release, then ACS (the business) will correspond with me through US mail I elect not to authorize the release of my personal information and will not be signing the authorization I am ok with ACS corresponding with US mail with me, as long as the correspondence provides easy and quick contact information for follow up As I assume that ACS' correspondence will include that information, I'd prefer that it correspond with me via US mail Also, since ACS will be corresponding with me via US mail, I'd greatly appreciate that the Revdex.com keep my complaint active for at least days while we discuss the issue through the alternative forum and attempt resolution Thank you for your assistanceP.S Please note that the Revdex.com system gave me a choice either to accept or reject the business' response to my complaint I chose "reject" only because the I will await the ACS' mail correspondence Regards, [redacted]

Please have customer provide her full ACS account number so we may properly identify her loan account This number can be located on any recent billing statement.Thank you[redacted]

Xerox Education Services, LLC, doing business as ACS Education Services (“ACS”) previously serviced one Federal educational loan account on behalf of Mr [redacted] ’s lender, NavientNavient 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 accounts are owned by Navient and are serviced per their requirements, and the terms of the loans’ promissory note Our records indicate, ACS received a new telephone number from Mr [redacted] on March 6, Mr [redacted] later verified this telephone number via telephone with ACS on later datesDuring the delinquency leading to the default of Mr [redacted] ’s loan in June 2015, ACS made numerous telephone calls to this telephone number in an attempt to resolve the delinquency on the account ACS received returned mail from Mr [redacted] ’s mailing address on November 20, ACS made skip trace attempts to obtain a current mailing address for Mr [redacted] since this date and received a new mailing address from the credit bureaus on January 8, This address remained on file for Mr [redacted] until a new mailing address was received from him on August 11, Our records indicate that due diligence attempts were made; including past due notices and telephone calls in efforts to contact Mr [redacted] regarding the status of his account during the delinquency period leading to defaultAs ACS did not receive adequate monthly payments or suspension options to satisfy the amount due, the loan subsequently was claim paid due to default by his guarantor, [redacted] Education Department ***) as of June 6, Should Mr [redacted] have any further questions or concerns; he may contact his guarantor, USAF, via telephone at ###-###-#### Sincerely, Jessica Evans Resolution Management Group

Good Morning- This letter is to acknowledge receipt of your correspondence from [redacted] ( [redacted] ) [redacted] .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 mailACS 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 researchedSincerely, Resolution Management Group

Good Afternoon, This letter is to acknowledge receipt of your correspondence from [redacted] 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 Harold Moore.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

Morning, This letter is to acknowledge receipt of your correspondence from [redacted] 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 above-referenced complaint filed with the Revdex.com (Revdex.com)We are providing you with a detailed response that addresses our customer’s concerns Xerox Education Services, LLC, doing business as ACS Education Services (“ACS”) services one Federal Family Education Loan Program loan on behalf of Ms [redacted] ’s lender Wells Fargo, who contracted with ACS to maintain servicing, repayment and collection activities on their student loansWhile ACS is the primary contact point for servicing activities, the loans are owned by Wells Fargo and serviced per their terms and federal regulations ACS has reviewed Ms [redacted] ’s concerns, and have determined that the approximate amounts that she was given were incorrect, as they did not take into account the term she had already utilized Federal Stafford Loans are given a repayment term of monthsAnytime deferment or forbearance is utilized, that time extends the original repayment term end dateAs of the date of this letter, Ms [redacted] ’s current remaining repayment period is monthsAs she has chosen a graduated payment plan, her current fixed monthly installments of $are required in order to satisfy the account within the allotted termUnless she has other federal educational loans that would cause her overall balance to exceed $30,000.00, this is the lowest amount we will be able to offer We appreciate her bringing this to our attention, and regret any inconvenience this may have causedOur Management team will continue to strive to provide the level of customer service Ms [redacted] expects Ms [redacted] ’s account is presently severely delinquentWe encourage her to remit payment to resolve this delinquency and avoid the negative consequences of defaultShe may also contact our Customer Care team Monday through Friday from 8:AM to 11:PM EST by calling ###-###-#### or emailing [redacted] Her account is also available online at www.acs-education.com Resolution Management Group

Good Morniorder to assist us in locating this customer's account, please have the customer provide the ACS account number that is reflected on the credit report Also, please provide the type of loan which ACS serviced, the name of the college/university from which the loan was received, and if possible, the full ACS account number from any previous billing documents you may have received from ACS.Thank you[redacted]

Helthis student loan holder indicated, the previous documents she submitted regarding the name change, when it was scanned into our imaging system became illegible Please request that she email me directly a legible copy of her license or a copy of her marriage license Hopefully as an email attachment, it will be legibleMy email address is [redacted] .I apologize for the difficulty that she has experienced.Please let me know if any other information is needed.Thank you[redacted] ACS Education Services [redacted]

Good Afternoon- 0in 0in 0pt">This letter is to acknowledge receipt of your correspondence from [redacted] ( [redacted] ) [redacted] 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 Ms***, 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, LLC, doing business as ACS Education Services (“ACS”) services two Federal Family Education Loan Program (“FFELP”) Stafford loan accounts on behalf of your lender [redacted] , who contracted with ACS to maintain servicing, repayment and collection activities on their student loansWhile ACS is the primary contact point for servicing activities, the loans are owned by [redacted] and are serviced per their terms and federal regulations Payments made on June 30, and July 29, were not properly allocated between your two accounts, causing them to appear more delinquent than they actually wereThese payments have been corrected, and late fees assessed since that time have been reallocated towards your principal balance in the amount of $Please find attached payment histories showing the application of your payments, and their allocation between principal, interest and late fees The amount of payments you have made has not satisfied the total amount due, and your accounts are currently past due for the January 14, installmentIf, upon review of your payment histories, payments that you made are not posted to your account, please provide ACS with a front/back copy of the cashed check or other proof from your financial institution that ACS received your payment We regret that the service you received did not meet your expectationsOur Management team is committed to implementing changes in order to ensure customer satisfaction Should you have any further questions or concerns, please contact our offices Monday through Friday from 8:AM to 11:PM EST by calling ###-###-####You may also email us at [redacted] , or access your account online at www.a