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Good Afternoon- This letter is to acknowledge receipt of your correspondence from *** ***. 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 letter is to acknowledge receipt of your correspondence from *** ***
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.comFile #: *** To Whom It May Concern, This is in response to the above-referenced complaint filed with your agency by *** ***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”) services one Federal Consolidation educational loan account on behalf of Mr***’ lender, Nelnet, who contracts with ACS to maintain servicing, repayment and collection activities on their student loans. While ACS is the primary contact point for servicing activities, the loan is owned by Nelnet and is serviced per their terms. Online security is a top priority for ACS Education ServicesTo help further protect your account on www.acs-education.com, we’ve introduced a new multi-factor authentication process. This additional login verification increases the security of your online account. This will occur when logging in for the first time after this process was implemented, as well as when you are logging on from a new device/IP address, or if you have deleted the cookies from the device which you normally use to access your account. Please note that if you are using a 3rd party financial site such as intuit, or mint.com, this may cause additional verification emails to be sent to youThis may occur each time they attempt to pull your information from our website. Mr*** confirmed via telephone on January 13, that he was registered with a 3rd party financial site. 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,Torey G***

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

This letter is to acknowledge receipt of your correspondence from *** ***
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
File #: ***
To Whom It May Concern,
This is in response to the above-referenced complaint filed with your agency by *** ***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”) services one private educational loan account on behalf of Ms***’s lender, *** ***, who contracts with ACS to maintain servicing, repayment and collection activities on their student loans. While ACS is the primary contact point for servicing activities, the loan is owned by *** *** and serviced per their terms
Unfortunately, Ms***’s lender does not offer disability discharge. I spoke with Ms*** on January 23, and indicated this information
If Ms*** is having difficulty affording her monthly installment, her lender offers up to months of forbearance over the life of the loan of which Ms*** has not utilized any months. I discussed this option with Ms*** verbally and she declined. If she wishes to apply for forbearance in the future, she may contact our Customer Care department to obtain an application
Ms*** may contact our offices Monday through Friday from 8:AM to 11:PM ET by calling *** ***, or via email at ***. Additional information is available by visiting www.acs-education.com
Sincerely,
Dan F**Resolution Management Group

Revdex.com File #: *** To Whom It May Concern, This is in response to the above-referenced complaint filed with your agency by *** ***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”) services one Federal Stafford educational loan account on behalf of Ms***’s lender, JP Morgan Chase Bank, who contracts with ACS to maintain servicing, repayment and collection activities on their student loans. While ACS is the primary contact point for servicing activities, the loan is owned by JP Morgan Chase Bank and is serviced per their terms and federal regulations I was able to speak with the customer via telephone on April 3, 2017. Below is a summary of our conversation Forbearance Request/Application The amount of time allotted for financial hardship forbearance is at the discretion of the lender. In addition, it is also at their discretion the length of time the forbearance will postpone payments. Ms***’s lender allows a total of months of financial hardship forbearance to be utilized over the life of the loan. The months can be applied to cover up to months of future installments from the date in which the request is received Deferment/Forbearance Type Date Received Payments Postponed Financial Hardship Forbearance 7/9/7/14/2013-12/14/In-School Deferment 3/17/1/13/2014- 2/8/Administrative Forbearance 3/25/3/14/Administrative Forbearance 10/31/4/14/2014-11/14/Financial Hardship Forbearance 6/3/12/14/2014-10/14/Financial Hardship Forbearance 1/20/11/14/2015-2/14/Financial Hardship Forbearance 6/7/3/14/2016-11/14/Financial Hardship Forbearance 3/16/12/14/2016-5/14/ Notifications Ms*** has opted to receive billing statements electronicallyWhen a deferment/forbearance is applied to an account, electronic notifications are sent. These notifications do not however include the specific dates in which it was applied for. A letter is also sent via US mail providing the dates in which the deferment/forbearance was applied for For example, listed below are the notifications that were sent regarding the forbearance that Ms*** has referenced was requested in June 2016: June 8, Email sent indicating the application of forbearance June 12, Letter sent via US mail indicating the dates in which the forbearance was applied July 31, Reminder notice regarding the forbearance status sent via US mail November 20, Letter confirming the forbearance ended, as well as a new repayment schedule sent via US mail Credit Reporting ACS reports the status of each account monthly to the National Credit Bureaus. We begin reporting a delinquent account once it reaches days past due and will continue negative reporting every days until the account is brought current. When financial hardship forbearance is backdated, it does not remove derogatory reporting prior to the request being received by ACS. Ms***’s account was reported to the credit bureaus as delinquent for the following months: February 60+ days delinquent March 90+ days delinquent April 120+ days delinquent May 150+ days delinquent May 60+ days delinquent February 60+ days delinquent A review of each negative reporting has occurred. While the missed payments were later covered with financial hardship forbearance, as indicated above, this did not allow for the negative reporting to be removed We apologize for any inconvenience that Ms*** has been caused by the service that she has described. We appreciate it being brought to our attentionWe are committed to improving our service and implementing changes that will prevent situations such as this 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, Torey G***

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

To Whom It May Concern,
This is in response to the above-referenced complaint filed with your agency by Alisha N ***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”) services two Federal Family Education Loan Program (“FFELP”) Stafford loan accounts on behalf of Ms***’ lender, JP Morgan Investment Bank, who contracts with ACS to maintain servicing, repayment and collection activities on their student loans. While ACS is the primary contact point for servicing activities, the loans are owned by JP Morgan Investment Bank and are serviced per their terms
On November 7, 2016, Ms*** remitted a payment which brought both of her accounts current. The current status was reported to the nationwide credit bureaus when they were updated with our automatic monthly reporting on November 30, 2016.
On December 2, 2016, ACS submitted a manual update to the bureaus to expedite the update of Ms***’ loan status to ‘current’. This update was completed on account ***
On December 15, 2016, ACS submitted another manual update to the bureaus to expedite the update of Ms***’ loan status to ‘current’ for account ***
Ms*** may contact our offices Monday through Friday from 8:AM to 11:PM ET by calling ###-###-####, or via email at ***. Additional information is available by visiting ***
Sincerely,
Dan F**
Resolution Management Group

Tell us
why here...Good Afternohave reviewed the complaint submitted by Ms***. We have revised the credit bureau reporting processed as of 4/30/15, 5/31/and 6/30/to reflect a current status. We have also removed the $late fee that was assessed. Previously, this customer was son coupon book billing. We have removed her account from coupon billing and she will receiving a monthly statement via the USPS.Thank you.Casey H***Manager, Campus-Based Student LoansXerox Education Services

October 25, 2017Revdex.com File #: ***To Whom It May Concern:This is in response to the above-referenced complaint filed with your agency by *** ***We are providing you with a detailed response that addresses the customer’s concerns.Conduent Education Services, LLC
(“Conduent”), services one Private education loan account for Mr*** on behalf of Loan ScienceLoan Science contracts with Conduent to maintain servicing, repayment and collection activities on their student loansWhile Conduent is the primary contact point for the servicing activities, the loan is owned by Loan Science and is serviced according to their terms.Per the terms and conditions of Mr***’s promissory note, the repayment period for his loan begins 30-days after the final disbursement dateMr***’s loan was disbursed on February 19, 2008, and his first payment was due on March 14, 2008.In-School deferment is not an option for this loan, but Mr*** can postpone payments with Discretionary ForbearanceA forbearance may be placed on the account in increments up to months, for a maximum of months over the life of the loanTo date, Mr*** has used months of discretionary forbearance; he has remaining months that can be utilized over the remaining term of his loan.On October 17, 2017, Conduent received a forbearance application from Mr***The request was approved, and the account is currently in forbearance until April 14, If Mr*** needs additional time he may submit a request for additional forbearance shortly before the current forbearance is scheduled to end.Should Mr*** have any other question or concerns, he may contact Customer Care Department at ***Agents are available to assist Monday through Friday between the hours of 8:am EST and 11:pm ESTMr*** may also visit our website at *** ** *** ** ** ***Sincerely,Krystal *P*** Resolution Management Group

ACS can use the following account number to look up the account in question: ***This is the number that I provided each time that I called to request the Primary Borrower Change form. I should note that after the 4th call, I did receive the formIt was faxed back to ACS and included the following account numbers:***The form was faxed on February 27th and I have not yet received any response from ACSI would like to request that they contact me as soon as possible so that I can take over the account as the primary borrower and have online access to be able to pay my bills on time. Thank you

November 2, 2017Revdex.com File #: ***To Whom It May Concern:This is in response to the above-referenced complaint filed with your agency by *** ***We are providing you with a detailed response that addresses the customer’s concerns.Conduent Education Services (CES),
serviced one Federal Stafford education loan account on behalf of Ms***’s lender, Wells Fargo Education Finance (Wells Fargo)Wells Fargo contracted with CES to maintain servicing, repayment and collection activities on their student loansWhile CES was the primary contact point for servicing activities, the loan was owned by Wells Fargo and was serviced per federal regulations.On October 25, 2017, I spoke with Ms*** and advised her of the following information.Account StatusOn December 5, 2012, CES was informed that Ms*** was no longer attending school at least half time as of November 15, Ms*** was mailed notification on December 9, 2012, advising that her next payment would be due January 14, No payments were received while the loan was serviced by CES and no additional deferment or forbearance requests were receivedCES sent monthly notices to inform Ms*** of the delinquency and multiple collection calls were made in an attempt help Ms*** resolve the delinquency.On January 23, 2014, Ms***’s account defaulted and servicing was transferred to her guarantor, Trellis Company (formerly known as Texas Guaranteed Student Loan Corporation).Credit ReportingCES reports the status of each account monthly to the National Credit BureausWe begin reporting delinquent accounts once they reach days past due, and will continue negative reporting every days until the account is brought under days past dueMs***’s accounts were negatively credit reported for the following months:Date Reported Number of Days Past DueMarch 60April 90May 120June 150July 180+August 180+September 180+October 180+November 180+December 180+Each Credit Reporting Agency must abide by the Fair Credit Reporting Act, which limits how long information stays on Ms***’s report with themIt is their responsibility to remove credit reporting as it ages beyond federal requirements. Loan RehabilitationTo date, CES has not received documentation from Ms*** proving that she completed a loan rehabilitation program through her guarantorIf she is able to provide proof that this loan was rehabilitated, we will update the credit trade line status from “default/claim paid” to “closed/transferred”, and remove any derogatory remarks after the date her account was claim filed, November 20, 2013.All derogatory information reported prior to November 20, 2013, was valid and accurate and will remain a part of Ms***’s credit history regardless of her completion of loan rehabilitation.Should Ms*** have any other question or concerns, she may contact Customer Care Department at ***Agents are available to assist Monday through Friday between the hours of 8:am EST and 11:pm ESTShe may also visit our website at www.conduenteducation.com or email us at ***.Sincerely,Krystal ** P*** Resolution Management Group Conduent Education Services

Revdex.com:
I have attached a signed copy of the "Authorization For Release of Account Information" form, as requested by ACS Education Services - so you may continue processing my complaint
Regards,
*** ***

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 14 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.comFile #:  [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”) services one Federal Consolidation educational loan account on behalf of Ms. [redacted] lender, Nelnet. Nelnet 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 loan was owned by Nelnet and serviced per their requirements, the terms of the loan’s promissory note, and Federal regulations. On June 16, 2017, I spoke with Ms. [redacted] to address her concerns.  A summary of our conversation is below.  Our records indicate the In School Deferment request received on May 18, 2017 was not completed by the school she is attending.  ACS attempted to confirm her enrollment using the National Student Clearinghouse website. According to the Clearinghouse, [redacted] reported on May 18, 2017 that Ms. [redacted] ceased qualifying enrollment effective on May 22, 2017.  The deferment request was subsequently rejected and a letter was sent to Ms. [redacted] in postal mail on May 27, 2017.  Ms. [redacted] advised ACS she expected to enroll as a full-time student for the Fall 2017 semester. Based on her last attendance date and her expected enrollment for the upcoming semester, Ms. [redacted] is eligible for the Summer Bridge Deferment.   ACS received Ms. [redacted] Summer Bridge Deferment application on June 9, 2017.  I advised Ms. [redacted] her recent request was pending review, however it was incomplete.  She submitted the completed form to me on June 16, 2017, and her deferment was successfully applied through September 20, 2017.   Once she begins attending at least half-time status, updated enrollment information will be required in order to extend her deferment beyond September 20, 2017. This information may be reported by the school directly to the National Student Clearinghouse.  Enrollment verification or a signed completed In School Deferment form may also be sent to ACS. Should you have any further questions or concerns, please contact our offices Monday through Friday from 8:00 AM to 11:00 PM EST by calling ###-###-####. Sincerely,Shannon W[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 14 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,
This is in response to file number [redacted] for [redacted].
Xerox Education Services, LLC, doing business as ACS Education Services (“ACS”) serviced two Federal Family Education Loan Program (“FFELP”) loan accounts on behalf of Mr. [redacted]’s lender, [redacted] ([redacted]) .  [redacted] had 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 [redacted] and were serviced per their terms and federal regulations.
Our records indicate that Mr. [redacted]’s accounts began falling delinquent in October 2014.   Per Mr. [redacted]’s complaint he indicated that multiple requests for the Income Based Repayment (IBR) were sent, which ACS failed to respond to.  Please note that our records reflect that the only correspondence received during this time period was not received until January 20, 2015.  His correspondence requested for ACS to update his mailing address as he was incarcerated, and requested for his statements to be sent by US mail.  As such, ACS updated Mr. [redacted]’s records and correspondence was sent to Mr. [redacted] providing a list of possible deferment, forbearance and repayment options for Mr. [redacted] for review.
Please note that ACS begins reporting delinquencies at 60 days past due.  Neither adequate payments, nor a valid deferment/forbearance application was received prior to the derogatory credit reporting.  Given this information, the reporting is valid and will remain part of Mr. [redacted]’s credit history.
On March 2, 2015 Mr. [redacted] sent an Income Based Repayment (IBR) application to ACS.  Based on Mr. [redacted]’s documentation, his monthly installments were calculated at $0.00 on March 6, 2015.  Also, an administrative forbearance was applied covering October 2014 through February 2015 bringing his account current. 
On December 18, 2015 ACS received correspondence from Mr. [redacted] indicating that he would like to apply for the Income Based Repayment plan.  However, an application was not received.  As such, notification was sent to Mr. [redacted] advising that we would need an application to have the Income Based Repayment plan applied.
In addition, Mr. [redacted]’s accounts were transferred to [redacted] on March 5, 2016.  Mr. [redacted] may contact [redacted] regarding any further inquiries of his accounts by calling 1-877-336-7378.
Should Mr. [redacted] have any further questions or concerns, he may contact our offices Monday through Friday from 8:00 AM to 11:00 PM EST by calling 1-800-835-4611.
Sincerely,
Samantha H[redacted]
Resolution Management Group

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
 
I called Ms. [redacted] on June 28, 2016 to address her concerns.  She informed me that she has confirmed with [redacted] that they have received the LVC on June 16, 2016.  Ms. [redacted] advised me that she has no further concerns and her issues have been fully resolved.
 
Should Ms. [redacted] have any further questions or concerns, she may contact our offices Monday through Friday from 8:00 AM to 11:00 PM EST by calling ###-###-####.  She may also email us at [redacted], or access her account online at www.acs-education.com.
 
Sincerely,
 
 
Dan F**
Resolution Management Group

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 30 days while we discuss the issue through the alternative forum and attempt resolution.  Thank you for your assistance.P.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]