I recently filed a complaint against ACS on behalf of our daughter. Too soon yet to know if filing the complaint will help her situation.
Those of you who have listed your complaints might want to consider doing this for yourself.

ACS is a part of the Xerox company. I phoned the Ethics Office below at the help line number. My complaint was taken by a third-party service, who gave me a reference number and an email address to follow up with. Within a day I had a response from the ACS Ethics Officer that my complaint had been received and forwarded to the appropriate people to follow up.

(http://www.acs-inc.com/contact-acs.aspx
Ethics Office
800.443.1946 (helpline)
214.841.8426
[email protected]

There's also a second email, which I did not use.
[email protected]

Xerox states that its company ethics apply to all its branches.
http://www.xerox.com/about-xerox/citizenship/ethics/enus.html

Consumer complaints about ACS:

http://www.consumeraffairs.com/finance/acs.html

http://www.complaintsboard.com/complaints/acs-education-c224536.html

http://www.studentloansconsolidations.org/problems-with-acs-student-loan-handler/

http://www.personalfinanceanalyst.com/acs-student-loan-information/ (student complaints at end of article)

I signed up for automatic payments. I have three loans managed by them after they bought them from great lakes. Everything was working fine. But then I got a notice from ACS that I had a delinquent payment. On the website I discovered that only two of the three loans had been paid even though all three were in automatic repayment. I emailed them because it was a weekend. When Tuesday came around I became impatience so I decided to call them. They said it was cancelled. They couldn't tell me why or who did it and refused to get rid of the late fee. Basically, "too bad, so sad".

Isn't the whole point of automatic payments to avoid getting late fees and not worrying about checking on it every month? She said to check it every month to make sure it goes through. I pointed out to the woman that the payments are scheduled the day they are due and that if it doesn't work, even if I check it the next day, I would get a late fee right? She said yeah. Great, right?

they suck...big time. We have no rights. I hate them and I've only been in repayment a couple months.

I made a payment back in October of last year. They attributed it to the wrong account under my social. Took five months to prove they were wrong. They charged my account late fees for those five months and refused to credit it back. I told them I refuse to pay it come the end o the loan. I have 10 more payments to go.

ACS is a scam syndicate and a disorganized institution of harassers. I'm a victim of identity theft which took place through a US BANK via the internet four years ago. Someone in September of 2006 somehow got my SSN, a past address and phone number of mine, my full name, my parents name, and was able to take out a 5500 dollar loan in my name with that info alone. They didn't even have to forge my signature! And this fraudulently accepted loan went undiscovered until early 2009! ACS bought that loan from the US Bank a year and a half ago, and have been sending me bills ever since. As of today, I've had to request my THIRD fraudulent loan affidavit form to prove I do NOT owe them or anyone else that money, and ACS claims the first form I filled out never made it back to them. The second form I requested (after finding out MONTHS after sending the first affidavit back to them) was never sent it to me! So, I figured for the last eight or so months that they must have found my original affidavit form, and were investigating the fraud. But I was wrong to assume that.

I feel as though ACS doesn't want to (or won't) admit they bought a loan from a bank stupid enough to give away money to any 'ol crook with a stolen SSN and the dexterity in their hands to click on an "I agree that I am who I claim to be" e-signiture. It's sad, but true. Just the click of a button on US Bank's online master promissory note web page, and you can claim to be ANYONE. So I get the feeling I'll never see this third affidavit form I requested because ACS doesn't want to deal with my problem, and this identity theft will NEVER be solved. Hell, the original culprit will probably get away with the whole thing even if I do prove my case (assuming ACS actually throws me a bone here.) Meanwhile, the ACS loan sharks will continue to harass me for the money that I don't owe, all because they're too retarded or purposefully trying to lose paperwork... especially their affidavit forms that could make them forfeit their precious Interest amount! I refuse to pay for a loan I never took out. I refuse even more to pay Interest on it. But at the same time, I'm tired of this run-around, and might just stop communication with them, never pay a cent, and hope it just disappears.

I would like to say that I have had, and am currently having, poor experiences with ACS-education. Their customer service is not only borderline rude and unhelpful, but their customer service is barely existent. I I emailed them three weeks ago with a question and have never gotten a reply further than the automated response. Calling with my questions is met with the crass attitude as described by the person above. I believe this problem is with ACS and not with Wachovia.

The worst part is, there is no one to complain to! Because they haven't technically done anything wrong I can not launch a complaint with the BBB, but make no mistake ACS / ACS-inc / ACS-education has made having a student loan a miserable experience. I make all of my payments on time and can not wait to be rid of this horrible company. In no other industry would such horrible client relations be acceptable and there is no one in our corner to protect us from them.

In addition to these problems their website software is either poorly written or poorly implemented. The one time they actually responded to one of my emails I was brought to a very unresponsive "secure email" web page that took literally 30+ seconds to load an individual page. The only 'response' I got on this secure email was another canned customer service message stating that I needed to use the secure email system. The pages layout was also broken (it looked like images were either missing or did not sit right in the webpage.) After being forced to create a second user name and password to use this application I have gotten, once again, no response. The entire experience is so poor I can only assume they are purposefully trying to prevent people from requesting support.