On-Line Computer & Networking

As of yesterday, Dec 20th, [redacted] Servicing informs me that they are still waiting for the required documents and appropriate response from ACS.
Regards,
Steven W[redacted]

Revdex.com File #:  [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”) serviced one Federal Consolidation Loan account on behalf of Ms. [redacted]’s lender, Nelnet.  Nelnet contracts 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 was serviced per Federal regulations.   A payment was due on Ms. [redacted]’s account on October 14, 2012. Payment was not received and the account became past due.  We attempted to contact Ms. [redacted] by telephone and sent notices via mail, but were unsuccessful in reaching her. The delinquent status of the account continued, and on August 24, 2013, Ms. [redacted]’s account defaulted and was claim paid and transferred to the loan’s guarantor, Pennsylvania Higher Education Assistance Agency.   ACS reports the status of each account monthly to the National Credit Bureaus.  We begin reporting delinquent accounts once they reach 60 days past due, and will continue negative reporting every 30 days until the account is brought under 60 days past due. Ms. [redacted]’s accounts were reported to the National Credit Bureaus as delinquent for the following months:   Date Reported Number of Days Past Due December 2012 60 January 2013 90 February 2013 120 March 2013 150 April 2013 180+ May 2013 180+ June 2013 180+ July 2013 180+   To date, ACS has not received any documentation indicating that a loan rehabilitation program was completed. If Ms. [redacted] is able to provide proof that this loan was rehabilitated, ACS will update the account status and remove any derogatory remarks reported after the date her account was claim filed, August 12, 2013.   The derogatory information reported prior to August 12, 2013, is valid. This information will remain a part of Ms. [redacted]’s credit history regardless of her completion of a loan rehabilitation. Each Credit Reporting Agency must abide by the Fair Credit Reporting Act, which limits how long information stays on Ms. [redacted]’s report with them.  It is their responsibility to remove information as it ages beyond federal requirements.   Ms. [redacted]’s name in our records is different than the one listed in her complaint.  If she would like to update her name on our system she may provide legal documentation such as a Driver’s License, or Marriage Certificate, that lists her current name.   Should Ms. [redacted] have any further questions or concerns, we encourage her to contact our Customer Care department at [redacted]. Agents are available to assist Monday through Friday from 8:00 AM to 11:00 PM EST. She may also contact us via email at [redacted].    Sincerely,   Krystal ** P[redacted] Resolution Management Group

We have experienced heavy call volumes so unfortunately borrowers have had longer then expected wait times. We have a training class starting shortly to help with ensure we get to borrowers quicker. As far as being able to email a form to us that is something that we don't allow for a...

variety of reasons and the two options we have are by fax or mail. With faxes not all clients allow for forms to be faxed and only allow mail.

Additional information:This is my second complaint... Not sure how ACS Education/Xer** can still be in business. Long story short, [redacted] has sent over a Loan Verification Certificate twice in order to get my loans transferred from ACS to [redacted]. The first time, [redacted] sent over the LVC, ACS report...

that they had no loans for me and that it was a $0 balance. I decided to call ACS, about that information and was told my loans were on a "financial hold" and that they could not be released. Had to speak with a supervisor just to get an explanation as to what a "financial hold" was. Come to find out, my loans were in default, because for some strange reason, they never received a deferment or forbearance from me. Very funny how Department of Education/[redacted] has received those docs and my loans are in good standing. Honestly, I would have never known about my negative ACS loans if I never would have pulled and started working on my credit. My main issue is I lave several late payments (over 20) showing up on each trade line. I decided to complete an economic hardship deferment app and submit supporting documentation. I did not yesterday, or for them to tell me that I did not qualify because my loans were already in default. They never received any docs from me nor [redacted], but are quick to tell you that you have defaulted on your loans. This has been a pure NIGHTMARE!!!! I will make is a priority of mine each week for as long as it takes to get the late payments to be removed and my loans transferred to [redacted].I want all the economic hardship deferment to be granted so that the deferment can cover the periods with the late payments. Then I would like all 3 of my loans with ACS to be transferred to [redacted] immediately.

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 his concerns On March 14, 2016, I spoke to Mr. [redacted] regarding his request for a complete Loan Verification Certificate...

(LVC). At that time, I had advised him that the LVC would be would be completed within the next few days. The LVC was completed and returned to the consolidating lender on March 15, 2016. We apologize for any inconvenience that he may have been caused while we ensured the accuracy of his accounts. We are committed to improving our service and implementing changes that will better serve our customers. 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 ###-###-####. He may also email us at [redacted], or access his account online at www.acs-education.com. Sincerely, Dan F** Resolution Management Group

Good Afternoon-
 
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 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.com File #:  [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 6 private educational loan accounts on behalf of Ms. [redacted]’s lender, Access Group, 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 Access Group and is serviced per their terms.   Ms. [redacted] contacted ACS on January 4, 2017 to request that the due date be changed from the 7th of the month to the 28th. This request was unable to be processed by January 7th. Since the payment was not received by that date, the account was considered delinquent and ACS was unable to process the customer’s request.   When an account is delinquent, collection attempts may be made to the customer. These could include letters sent via US mail, as well as telephone calls. The collection calls may also be made by Access Group directly. They did contact Ms. [redacted] via telephone on January 23rd in an attempt to resolve the delinquency. At that time, the account was in-eligible to have the due date changed due to the delinquency.   A payment posted to the account on January 31, 2017 that resolved the delinquency. The due date has now been updated to the 28th of the month beginning with the February installment. Notification has been sent to Ms. [redacted] confirming this information.   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 [redacted].   Sincerely, Torey G[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, Navient. Navient 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, 2013. Mr. [redacted] later verified this telephone number via telephone with ACS on later dates. During 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, 2014. 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, 2015. This address remained on file for Mr. [redacted] until a new mailing address was received from him on August 11, 2016.
 
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 default. As 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 [redacted]) as of June 6, 2015.
 
Should Mr. [redacted] have any further questions or concerns; he may contact his guarantor, USAF, via telephone at ###-###-####.
 
Sincerely,
Jessica Evans
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 the customer’s concerns. Xerox Education Services, LLC., doing business as ACS Education Services (“ACS”)...

serviced four Federal Stafford education loan accounts on behalf of Ms. [redacted]’s lender, Access Group, Inc. (“Access Group”).  Access Group contracts 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 Access Group and serviced per Federal regulations. Ms. [redacted] signed up to receive billing statements and notices electronically on April 29, 2012. Our records indicate that ACS sent a total of 22 e-mails to Ms. [redacted] regarding the status of her account.  These were sent to the e-mail address listed in her complaint. When an account is past due, we are unable to send notifications electronically.  At that point, they must be sent via US Mail to the address that is listed on file.  Monthly notifications were mailed to Ms. [redacted], at the address she provided every month her account was past due.  Collection calls were placed during all periods of delinquency in an attempt to assist Ms. [redacted] with bringing her account current. Unfortunately those calls were not answered.  A total of 23 collection calls were made to Ms. [redacted] between June 3, 2014, and July 28, 2016. During a phone call to our Customer Care Department, on October 8, 2014, Ms. [redacted] confirmed her phone number and the mailing address we had on file, which was inside the United States.  This address remained on file until the complaint was received form your office containing the customer’s current address.  Customers can find the available deferment and forbearance options by logging into their account via our website, www.acs-education.com. On the left hand side, they would hover over 'Loan Options' and a drop down appears. The customer would then click on 'Deferments' or 'Forbearances' and follow the directions to view and pick a deferment they qualify for. Most options can be printed and then mailed, emailed or faxed to ACS for processing, and a few can be filled out and submitted electronically. Additionally, Ms. [redacted] could have called our Customer Care department at the number below and spoken with an agent to go over her deferment and forbearance options. The application would then have been mailed or emailed to Ms. [redacted]. Should Ms. [redacted] have any further questions or concerns, she may contact her guarantor, New York State Higher Education Services Corporation at ###-###-####. Sincerely, Krystal *. P[redacted]Resolution Management Group

Consumer:  [redacted]
File #: [redacted]
 
 
This is in response to the complaint received regarding the above-referenced complaint filed by [redacted].
 
Xerox Education Services, LLC. doing business as ACS Education Services (“ACS”) services two Federal...

Consolidation Loan accounts for Ms. [redacted] on behalf of the lender, JP Morgan Chase.  JP Morgan Chase 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 JP Morgan Chase and serviced per their terms and Federal Regulations. 
 
Our records indicate that Ms. [redacted] submitted an Income Based Repayment (IBR) plan application on September 28, 2016.  The IBR plan is an option intended as an alternative repayment plan designed to make repaying education loans easier for students.  IBR does this by capping the monthly payments at a percentage of the customer’s discretionary income. 
 
On October 3, 2016 notification was sent to Ms. [redacted] advising that the IBR application was rejected as her tax documentation was not included within her application.  On October 12, 2016 Ms. [redacted] submitted her tax documentation so we could proceed with processing her IBR application, which was completed on October 14, 2016.  Based on the information Ms. [redacted] provided her total monthly installment was $122.55 effective for her November 14, 2016 due date.
 
On January 4, 2017 Ms. [redacted] submitted an economic hardship deferment to ACS.  The deferment was rejected on January 5, 2017 as her monthly gross income exceeds the maximum allowed to qualify for the deferment. 
 
On January 12, 2017 Ms. [redacted] called into ACS to discuss her options, and requested a discretionary forbearance verbally.  The forbearance was applied on January 16, 2017 covering December 14, 2016 through June 14, 2017.   Ms. [redacted]’s next payment due is on July 14, 2017.  Please note that Ms. [redacted] will need to reapply for the IBR prior to her next payment due to be placed back on the lower IBR payment plan.
 
Should Ms. [redacted] have any further questions or concerns, she may contact our Customer Care Department Monday through Friday, 8:00a.m. to 11:00p.m. ET, at [redacted].  For additional account information, she may also visit our website at www.acs-education.com. 
 
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] A [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 a Federal Perkins loan account on behalf of [redacted] A [redacted]’s lender, University of California-Santa Cruz, who 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 University of California-Santa Cruz and are serviced per their terms.
 
Our records indicate that the Department of Defense document referenced was received by ACS.  However, ACS does not complete these forms.  [redacted] A [redacted]’s lender requires these forms to be forwarded to them for completion.  ACS forwarded the form to them on August 18, 2016.  We apologize for any inconvenience this may have caused.
 
[redacted] A [redacted] may contact our offices with any further questions or concerns at ###-###-####. Agents are available Monday through Friday from 8:00 AM to 6:00 PM ET.
 
Sincerely,
 
 
Dan F**
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 below.  I've provided the signed privacy release form to ACS on 10/28 via the Revdex.com portal.  ACS still hasn't provided any feedback on the interest that i've paid thus far.  I spoke to someone from ACS on 10/30, and he stated he will call me back the following Monday to provide additional information on my loans and the interests applied, but he never called back.  I haven't spoken to anyone since that day.
Regards,
[redacted]

Revdex.com
File #: [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 private educational loan account on behalf of Ms. [redacted]’s lender, [redacted], 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 [redacted] and serviced per their terms.  ACS has serviced this account since disbursement.
 
A copy of Ms. [redacted]’s Promissory Note was mailed to her on January 25, 2017.  I apologize that her promissory note was not received, and I have attached a copy for her records.
 
ACS has reached out to Ms. [redacted]’s lender in order to obtain a contact point regarding her concerns.  Ms. [redacted] may contact [redacted] at [redacted] with the following information:
 
[redacted]
[redacted]
 
[redacted]
 
[redacted].
 
Ms. [redacted] may contact our offices Monday through Friday from 8:00 AM to 11:00 PM ET by calling [redacted], or via email at [redacted].  Additional information is available by visiting www.acs-education.com.
 
Sincerely,
 
Sarah S[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 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

To Whom It May Concern,   This is in response to the above-referenced complaint filed with your agency by Ebony [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”)...

currently services one Private educational loan account on behalf of Ms. [redacted]’ lender, [redacted].  [redacted] 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 loan is owned by [redacted] and is serviced per their terms.   Our records indicate that Ms. [redacted] borrowed a total of $17,775.00 for her education expenses from August 1998 through October 2004.  The school of attendance indicated that Ms. [redacted] withdrew or fell below half-time on December 17, 2004.  The account then entered in to a 9-month grace period, which ended on September 17, 2005.  The 9-month grace period can only be used one time.  Once Ms. [redacted] was no longer enrolled in school half-time or greater for over 9 months, she would no longer qualify to receive an additional grace period.    Collection attempts may occur via telephone and mail anytime the full monthly installment is not received by the date on which it is due.  These attempts may be made by ACS as well as any collection agencies as designated by [redacted] directly.   Repayment Plan   [redacted] offers the Modified Graduated Repayment Schedule (MGRS, which is a 24-month repayment plan.  It allows a customer’s installment to be lowered and incrementally increased over the 24-month period at which time the account will return to a level repayment plan.   Ms. [redacted] contacted ACS on March 13, 2017, to indicate that she was unable to make the installment amount on the account.  On March 14, 2017, an application for MGRS was mailed to Ms. [redacted].  ACS received the completed application back on March 29, 2017.  Applications of this nature can take up to 30 days for processing.  Processing was completed on April 17, 2017. Notification was mailed on April 23, 2017, confirming the new repayment schedule.   Deferments/Forbearances   [redacted] allows unlimited in-school deferment should Ms. [redacted] provide enrollment verification from the school of attendance.   [redacted] allowed 12 months of forbearance over the life of the loan.  Ms. [redacted] has utilized those 12 months. We apologize for any inconvenience that Ms. [redacted] has been caused by the service that has been received. We appreciate you bringing it to our attention. We 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 8:00 AM to 11:00 PM EST by calling ###-###-####.   Sincerely, Torey G[redacted]

To Whom It May Concern,
 
This is in response to the above-referenced complaint filed with your agency by Steven W[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 two Federal Consolidation educational loan accounts on behalf of Mr. W[redacted]s’ 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 loans are owned by Nelnet and are serviced per their terms.
 
Mr. W[redacted]’s Loan Verification Certificate (“LVC”) was completed and returned to the requesting consolidation lender on December 6, 2016, as well as January 4, 2017.
 
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,
Torey G[redacted]

January 26, 2018Revdex.com File #: [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.Conduent Education Services, LLC...

(“CES”), services four Private education loan accounts and one Federal Consolidation Loan account for Mr. [redacted] on behalf of Access Group, Inc. (“Access Group”). Access Group contracts with CES to maintain servicing, repayment and collection activities on their student loans. While CES is the primary contact point for servicing activities, the loan is owned by Access Group and is serviced according to their requirements and Federal regulations.ACH Checkmate 11Mr. [redacted] has been enrolled in ACH Checkmate 11 automatic withdrawal with CES since we began servicing his loans in March 2012. On November 28, 2017, CES attempted to withdraw his monthly payments, but unfortunately the transaction was not successful.Our first record of Mr. [redacted] updating his banking information is from December 13, 2017. As the accounts were past due at the time of processing, a forbearance was applied to the Federal Consolidation loan to resolve the delinquency. This forbearance is authorized by the Checkmate II Terms and Conditions which state: “You authorize the application of forbearance to any designated loans that are delinquent at the time your application for electronic debit services is processed”. A payment was applied to the account later that same day which satisfied the amounts due for November and December and eliminated the need for this forbearance.The forbearance was later removed at Mr. [redacted]’s request and on December 19, 2017, CES completed all requested updates to his ACH information. In addition, the forbearance caused the regular monthly payment for his Federal loan to increase from $235.00 to $246.65 for January 2018. This amount has been returned to $235.00 for the February 2018 payment.interest Rate Reduction incentivesMr. [redacted] had been receiving interest rate reductions on all 5 accounts based on making consistent on-time payments and his continued enrollment in ACH Checkmate II. Due to the missing payments in November, Mr. [redacted]’s ACH and On-Time interest rate reduction incentives were removed from his accounts. CES contacted Access Group on his behalf and they agreed to reinstate both interest rate reduction incentives. The following chart details Mr. [redacted]’s current interest rates.Account Base interest Rate Total  Reduction Current RateY-1059-9044-1 2.875% 1.25% 1.625%Y-1059-9044-2 5.387%* 0.75% 4.637%Y-1059-9044-3 5.387%* 0.75% 4.637%Y-1059-9044-4 5.237%* 0.75% 4.487%Y-1059-9044-5 5.237%* 0.75% 4.487%*These rates are variable, and subject to change quarterlyAccount StatusMr. [redacted]’s accounts are current and due for their next ACH payment on January 28, 2018. His accounts have not been negatively credit reported while serviced by CES and no late fees were assessed as a result of the situation described above.We apologize for any inconvenience that Mr. [redacted] may have been caused by the service that he received and we appreciate him bringing his concerns to our attention. We are committed to improving our service and implementing changes that will better serve our customers.Should Mr. [redacted] have any other questions or concerns, he may contact our Customer Care Department at [redacted]. Agents are available to assist Monday through Friday between the hours of 8:00 am EST and 9:00 pm EST. He may also visit our website at [redacted] or email us at [redacted].Sincerely,Krystal *. P[redacted] Resolution Management Group

I did not live at the Address that they were sending the Bills to and I have expressed that to them multiple times. The current loan company did  have my current address and information and has had no trouble reaching me.

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 Family Education Loan Program (“FFELP”) account on behalf of [redacted]’s lender, [redacted] ([redacted]), 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 [redacted] and are serviced per their terms.
 
[redacted]’s Military Deferment application has been received and reviewed.  Unfortunately, the supporting documentation does not indicate eligibility for this deferment as the Active Duty is not in connection to a war, military operation, or national emergency.
 
In order to qualify for a School Deferment, the customer must be attending a Title IV eligible school at least half time.  No school is currently reporting any enrollment status to the National Student Clearinghouse.  Should [redacted] currently be eligible for a School Deferment, she should obtain enrollment verification from her school, and submit this to ACS for review.
 
ACS has submitted an update to remove the derogatory credit reporting previously reported for the month of May, 2016.  Please allow the bureaus up to 60 days to reflect this update.
 
[redacted] may contact our offices Monday through Friday from 8:00 AM to 11:00 PM ET by calling ###-###-####, or via email at [redacted].  [redacted]’s online account may be accessed at www.acs-education.com.

Revdex.com File #:  [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 Mr. [redacted]’s lender, College Loan Corporation. 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 loan was owned by College Loan Corporation and serviced per their requirements, the terms of the loan’s promissory note, and Federal Regulations.   Mr. [redacted]’s account was due for a payment on March 14, 2013.  As the payment was not received, a delinquent notice was mailed to him on March 24, 2013.  Mr. [redacted] became 60 days past due as of May 2013.  The account continued to reflect a delinquent status until notification was received on October 10, 2013, which informed us of his recently filed bankruptcy.  His account was then brought current with an administrative forbearance and suspended as required by Federal Regulations.   Mr. [redacted] entered repayment status February 2014, and maintained a current payment status until paying his loan in full on November 12, 2014.    Our records indicate we received correspondence from Mr. [redacted] on April 18, 2017.  In this letter, he requested competent evidence bearing his signature confirming his repayment obligation.  A reply was sent in postal mail on April 27, 2017 which included a copy of his signed promissory note.   Correspondence was received on May 22, 2017, in which he disputed his credit reporting.  Attempts to contact him by telephone were unsuccessful; and a response letter was sent via postal mail on June 6, 2017.  This response explained why his account was reported to the National Credit Bureaus in 2013.   ACS reports the status of each account monthly to the National Credit Bureaus.  We begin reporting accounts as delinquent once it reaches 60 days past due and will continue negative reporting every 30 days until the account is brought below 60 days of delinquency. As Mr. [redacted]’s account had been reported prior to his bankruptcy filing, this information is accurate and is unable to be removed from his credit history.   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]