I paid my consolidation loan off in July 2008. Over 3 months later I started receiving bills from ACS stating that I owed over $900 more to them. I called repeatedly and wrote many letters telling them that I paid the loan in full. I sent them confirmation of the loan payoff and now they tell me that I owe just over $400. They told me there was an accounting error, and I owe them more money. I refuse to pay this and have fought with them for over a year now. They are threatening my credit and I can't get any help. I will continue to fight, no matter what it takes. They are incompetent and rude. I didn't choose to do business with them. My loan was sold to them and now I am stuck trying to fix their mess.

Like others who have complained, I sent in my March, 2009 payment per usual, through my Wells Fargo Bill Pay. I always pay at least two weeks in advance, and have never had problems in the past. The payment, due 3.01.2009, was not received, and I contacted both Wells Fargo and ACS, and discovered that the payment had indeed not been cashed. It appeared that the billing address had changed, and so my previous payment was stopped, and a new payment was sent to the new address. ACS was informed about this new payment, and was sent proof of the attempted payment. I was assured that all would be well, and that any record of this "late" payment would be removed.

A couple of weeks later, I receive a new notice stating that the payment has yet to be received. I contact Wells Fargo, and the payment has been cashed. I contact ACS, and they say that the money has not been credited to my account, and that it has likely been deposited into a "general fund." (WTF?!?!?! Is that LEGAL?) Wells Fargo again sends proof of payment. I am told that it might take a little while for everything to be straightened out, but am again assured that there will be no repercussions, as it is the fault of ACS.

I call to check up about my payment, and the representative says that the money is there, that Wells Fargo has faxed confirmation, but that MY money, for some reason, has still not been credited to my account. She says that I should wait "at least a week" before checking back.

I wait. I receive a notice in the mail saying that my delinquent bill is going to be sent to collections. My PROCESSED PAYMENT, confirmed not only by representatives from ACS but also from Wells Fargo, is being sent to collections. I have reported it to the BBB. I honestly don't know what else to do. Is ACS even a legit company anymore? Can I trust them with my money?

In the middle of March I received a call from ACS stating that my payments for Jan and Feb hadn't been received. I checked and the checks had been cashed. I told them this and they stated that I would have to fax copies of the checks. I emailed them copies the next day. I got a call back that they weren't received by email so I faxed them and was told this would be cleared up in a week. I called a week later and was told the fax wasn't received. I refaxed them and waited a week and called back. No one could answer why my accounts wasn't cleared up. I checked and added up the numbers from my phone bill and had been on the phone with them for over 10 hours in a month trying to get things cleared up. Finally today Apr. 13 it was cleared up. I made over 40 calls to them and recieved about 20 from them. They had cashed my checks and credited them to the wrong accounts. Which he had told them happened because when we got copies of the checks ACS had hand written in the wrong account number in the memo.

I would not call the 1-800 number to talk with customer service. You are transferred out of the country to people you can't hardly understand. Dial the number 315 728 2200 to try to get customer service. If you are considering taking a loan with this company I would definately reconsider it. I did not take a loan out with them. My loan was sold to them so now I am stuck with them.

Hi,
I stay in milestone apartments. My name is madhavi. Actually i have to pay the apartment by 10th.But on 18th i paid the rent as i was not here.And i am the only one staying in this apartment.
But the apartment people went for legal proceedings and issued legal notice and also
a trial case on 09/10 .I did pay the entire amount on 18th august and on 28th august they sent me a notice that i am still due the total amount.I paid rent 1090$ + water bill 46$ on 18th of august.

Is there anything you can question them????

I am extremely disappointed by what they did.
Every month i have been paying them on time.
And it is not justificable to issue a trial case against me .

Thanks,
Madhavi A.