ACS

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below This has not been taken care of I did speak with Brian at ACS, but he told me that he could not do anything to expedite my LVC form I was told that my request is one in a a long ordered list and I have to wait until my name comes up This has been months and my information is still not being released I am on a deadline with the other company ( [redacted] ***) and if the LVC is not received soon, I will not be able to consolidate my loans, leading to financial crippling This response is unacceptable because I STILL do not have my information released I understand waiting patiently, but I'm on a deadline that is outside my control I need someone at ACS to release my LVC I understand Brian cannot do it, but I need someone who can Regards, [redacted]

To Whom It May Concern, This is in response to the above-referenced complaint filed with your agency by [redacted] We are providing you with a detailed response that addresses the customer’s concerns Xerox Education Services, LLC., doing business as ACS Education Services (“ACS”) previously serviced one Federal Stafford educational loan account on behalf of Ms [redacted] ’s lender, Navient, and one Federal Consolidation educational loan account on behalf of College Loan Corporation Ms [redacted] ’s lenders, Navient and College Loan Corporation, contracted with ACS to maintain servicing, repayment and collection activities on their student loans While ACS was the primary contact point for servicing activities, the loans were owned by Navient and College Loan Corporation and serviced per their requirements, the terms of the loan’s promissory note, and Federal Regulations Ms [redacted] had been granted an In School Deferment for the period of October 16, through December 8, However, notification was received from the National Student Clearinghouse indicating she had ceased qualifying enrollment as of August 18, The accounts were updated as follows: Account Date Action Taken Next Payment Due Date D-0420-0556-August 29, Deferment Shortened September 14, D-0420-0556-September 9, Deferment Shortened October 14, ACS had not received the payments required, and the delinquent status was reported to the National Credit Bureaus, once becoming days past due Ms [redacted] ’s account D-0420-0556-account entered default due to non-payment on September 15, and was transferred to the guarantor, American Student Assistance The account [redacted] defaulted and transferred to the guarantor, Texas Guaranteed Student Loan Corporation as of October 21, ACS reports the status of each account monthly to the National Credit Bureaus We begin reporting delinquent accounts once they reach days past due and will continue negative reporting every days until the account is brought below days of delinquency As we had not received sufficient payments or postponement requests prior to the credit being reported, we are unable to remove this accurate information from her credit history Should you have any further questions or concerns, please contact our offices Monday through Friday from 8:AM to 11:PM EST by calling ###-###-#### Sincerely, Shannon W [redacted]

File #: [redacted] This is in response to your letter regarding the above-referenced complaint filed with the Revdex.com (Revdex.com) Xerox Education Services, LLCdoing business as ACS Education Services (“ACS”) services one Federal Consolidation Loan for Ms [redacted] on behalf of [redacted] [redacted] partnered with ACS to maintain servicing, repayment and collection activities on the student loan While ACS remains the primary contact for the servicing activities, the loan is owned by [redacted] and is serviced per their terms and federal regulations In review of Ms [redacted] ’s account, it was determined that inadvertently the Income Sensitive Repayment (ISR) plan was removed in error As such, ACS was able to have the ISR plan reapplied Ms [redacted] ’s account is currently reflecting on the ISR with her next installment of $due for August 28, Our records do reflect that the ISR plan is expected to be exhausted in September I was able to speak to Ms [redacted] on August 20, and was able to inform her that the ISR plan has been reapplied and conveyed that it was expected to expire in September Additionally, we were able to discuss future repayment plan options Ms [redacted] has been sent an Income Based Repayment (IBR) plan application for her review Ms [redacted] was also advised that her account is in the process of being transferred to [redacted] Once the transfer is complete, Ms [redacted] will be notified We do regret the inconvenience that Ms [redacted] has been caused by the service that she have receivedWe do appreciate her bringing it to our attentionWe are committed to improving our service and implementing changes that will prevent situations such as hers from occurring in the future Should you have any further questions or concerns, please contact our offices Monday through Friday from 8:AM to 11:PM EST by calling ###-###-#### Sincerely, Samantha H [redacted] Resolution Management Group

This is in response to the complaint filed by [redacted] ACS Education Services is unable to locate an account for [redacted] with the information provided If this complaint is in reference to a student loan account with Affiliated Computer Services (ACS), please forward the full social security number so we may thoroughly research and address [redacted] ’s concerns Should you have any further questions or concerns, please contact our offices Monday through Friday from 8:00AM to 11:00PM EST by calling ###-###-#### Sincerely, Resolution Management Group Tell us why here

To Whom It May Concern: This is in response to the above-referenced complaint filed with your agency by [redacted] ***We are providing you with a detailed response that addresses her concerns The ACH update submitted on October 12, was not received in time to be in effect for Ms***’s October 14, ACH debit Due to this, the ACH debit failed Additionally, the September 14, ACH debit had been denied by her bank as well Due to two failed ACH debits, she was removed from ACH and a letter was mailed on October 19, advising of this In addition to the ACH update, the customer also remitted an online payment with an effective date of October 13, This one payment was inadvertently attempted to be debited twice In order to rectify the inadvertent second debit, ACS immediately issued a refund Unfortunately, the second debit failed which resulted in a net payment to ACS of $ One of Ms***’s future payments has been back dated to an effective date of October 13, We apologize for any inconvenice Ms [redacted] submitted another online ACH application on October 29, She was under the impression that she had also remitted an online payment on this date as well Unfortunately, this was not the case Only the ACH application was submitted on that date, not a payment Included in an ACH application is an authorization to apply a discretionary forbearance to cover any delinquency and the next installment When this ACH application was processed on November 2, 2015, a forbearance was applied for September 14, – November 14, The ACH payments resumed on December 14, and have been successful each month since then As the forbearance was authorized by Ms***, it is unable to be removed ACS does not begin reporting delinquencies to the credit bureaus until days past due Our records do not indicate that ACS reported Ms [redacted] as delinquent during the disputed time frame She had indicated to me during a telephone call that she disputed the delinquency directly through the credit bureaus and it has since been removed from her report Ms [redacted] has now paid her account in full Should [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.com Sincerely, Dan F [redacted] Resolution Management Group

This letter is to acknowledge receipt of your correspondence from [redacted] As previoulsy advised, 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

I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear belowI have contacted [redacted] and was told that they can only go off of the information that was provided from ACSACS has provided them with wrong informationI want all of the late charges that ACS reported removed from my credit reportI would also like an accounting of all of the funds that were paid to ACS and how they were applies to my loan while they were servicing it Regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below I was contacted over the phone to discuss my issues with ACS, but my issues have not been resolved yetI do not want to close the case until my issues are resolvedAttached is my waiver, signedThank you Regards, [redacted]

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

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is unsatisfactory to me I have been paying on this bill since before 2006; that is a total of years at approximately $per month That totals approximately $1,per year Twelve years would be $12, I don't care what this company is charging me for interest Whatever they are charging me should be against the law I have more than paid for this bill twice If Loan Science does not at least negotiate with me for a much lower amount than $5,500, I will seek legal action against themIncidentally, I did an Internet investigation on them and there are numerous complaints about their tactics If necessary, I will start contacting other people who have been abused by this company and look into filing a class action lawsuit This is clearly a dishonest company that needs to be dealt with legally Actually, they shouldn't even be in business Regards, [redacted]

Dear ***- 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 complaint filed by [redacted] ACS Education Services is unable to locate an account with the information provided If this complaint is in reference to a student loan account with Affiliated Computer Services (ACS), please forward the full social security number or ACS account number so we may thoroughly research and address the concerns Should you have any further questions or concerns, please contact our offices Monday through Friday from 8:00AM to 11:00PM EST by calling ###-###-#### Sincerely, Resolution Management Group

The business has responded to the complaint however has requested that their response not be published

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

per the instructions from the business, I have attached a letter from [redacted] ***, the guarantor of my loanThis letter states that I have successfully rehabilitated the loanPlease remove from all three credit reporting agencies

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] ***

This letter is to acknowledge receipt of your correspondence from Stephanie Fox 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

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below ACS response to my complaint has not resolved the matter at handI have had to go though another loan agency to try and get the wrongly defaulted loan consolidated ( to get the company Nelnet to buy the loan so that I can hopefully refile and receive my last month of Post graduate study loans made available to me while I am in AustraliaThe negative effects of this will alit for years as the default will now not come off of my USA credit rating for that amount of timeACS has provided you as well as I with run around and exudes and has failed to rectify their mistakeThe consequences of this are that If I come back to the states to live, my credit is ruined for the next years to say the least I do however, appreciate your attempts to help rectify the situation that they have caused Kind Regards, [redacted] *** Regards, Wendy Duke

October 19, File #: [redacted] , This is in response to the above-referenced complaint filed with the Revdex.com (Revdex.com) Xerox Education Services, LLCdoing business as ACS Education Services (“ACS”) services three Federal Family Education Loan Program Stafford Loan accounts for Ms [redacted] on behalf of her lender, [redacted] *** [redacted] partnered with ACS to maintain servicing, repayment and collection activities on her student loans While ACS remains the primary contact for the servicing activities, her loans are owned by [redacted] and are serviced per their terms and federal regulations I was able to reach Ms [redacted] via telephone on October 13, in which we were able discuss her concerns she had outlined within her complaint In addition, I was able to review the call that took place on October 6, 2015; Ms [redacted] did contact ACS and was able to speak to a representative in regards to her concerns During that call she was advised that her In-School Deferment was shortened and forbearance was placed on the account preventing delinquency from occurring Per Ms [redacted] ’s request, the information below will outline her concerns regarding the application of forbearance and capitalized interest: In- School Deferment On February 18, 2015, the National Student Loan Clearinghouse (NSLC), an organization used by the majority of colleges and universities to report enrollment information to lenders, certified that Ms [redacted] was enrolled full-time at [redacted] College until August 21, As such, an In-School deferment was placed on her account covering the period of May 29, through August 21, Deferment is a federal entitlement which allows the customers to suspend payment of principal and interest on their account For subsidized loans, interest accrued during a deferment period is paid by the government While in deferment, the customer is not required to make interest payments, however they may make payments at any timePlease note that all unpaid interest accrued on the unsubsidized portion of her account during the deferment period, is capitalized (added) to the principal balance outstanding the day after the deferment expires It was not until September 18, that [redacted] College updated NSLC to show she graduated effective August 21, Based on this new information, we were required to shorten the In-School deferment to her graduation date Forbearance As a result of the deferment being shortened, forbearance was applied to cover the required installments due for September Her first installment then became due on October 28, During periods of forbearance, interest will continue to accrueThe customer is not required to make interest payments, however, all unpaid interest accrued during the forbearance period is capitalized (added) to the principal balance outstanding the day after the forbearance expires Notification Multiple notifications were sent to Ms [redacted] which advised her that while in deferred status, interest will continue to accrue on the unsubsidized portion of her loans, that she had the option to make payments during that time, and any interest remaining at the end of the deferment period will be capitalized (added to the principal balance) On September 27, notification was sent to Ms [redacted] informing her that the forbearance was placed on her accounts This notification included details in regard to the interest accruing and at the end of the forbearance period the outstanding interest would capitalize Interest Capitalization Per our conversation on October 13, Ms [redacted] had also requested for copies of her payment histories for each of her accounts Attached are the copies for her review, this will include the interest that has capitalized to her accounts throughout the life of her loan On October 19, 2015, I again spoke with Ms [redacted] via telephone and informed her that to date, $10,of interest had capitalized on all three of her student loan accounts It was conveyed that if she was able to make that payment in full, ACS could then reverse the interest capitalization Ms [redacted] indicated she would contact ACS directly if she wished to pursue this option Should Ms [redacted] have any further questions or concerns, she may contact our Customer Care Department Monday through Friday, 8:00a.mto 11:00p.mET, at ###-###-#### For additional account information, she may also visit our website at www.acs-education.com Sincerely, Samantha H [redacted] Resolution Management Group

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