Loan servicer · complaint record
ACS Education Services complaints
Consumers have filed 1,385 complaints about ACS Education Services since 2012, 6 of them in the last 12 months (-54% on the year before). It answered 100% on time and closed 0% with relief for the customer. The most common problem is dealing with your lender or servicer. It is the 26th most complained-about of 47 student loan servicers this year.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 1,385
- Last 12 months
- 6
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #26 of 47
Since March 2012
-54% vs the year before
Industry: 68.4%
Typical loan servicer: 2%
Newest: Sep 29, 2026
Most complained-about student loan servicers
ACS Education Services complaints by month
The busiest month was October 2016 (37 complaints). Complaints in the last 12 months are down 54% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How ACS Education Services answered all time
- Closed with monetary relief10.1%
- Closed with non-monetary relief423%
- Closed with relief10.1%
- Closed with explanation1,31494.9%
- Closed60.4%
- Closed without relief211.5%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What ACS Education Services complaints are about
Top ACS Education Services problems
Inside "Dealing with my lender or servicer"
- Trouble with how payments are handled 153
- Having problems with customer service 117
- Received bad information about my loan 79
- Don't agree with fees charged 52
- Need information about my balance/terms 38
- Keep getting calls about my loan 14
Where ACS Education Services complaints come from
Most complaints: California (200), New York (114), Texas (98), Florida (86), Georgia (71).
ACS Education Services compared with other student loan servicers
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | EarnestStudent loans | 51 | 68 | C |
| 2 | College Ave Student Loan ServicingStudent loans | 55 | 67 | C |
| 3 | Meritize FinancialStudent loans | 0 | 47 | F |
| 4 | LendKey TechnologiesStudent loans | 85 | 42 | A |
| 5 | Iowa Student Loan LiquidityStudent loans | 51 | 36 | C |
| 6 | MPOWER Financing, Public BenefitStudent loans | 40 | 32 | D |
| 7 | Kentucky Higher Education Assistance AuthorityStudent loans | 49 | 32 | D |
| 8 | ACS Education ServicesStudent loans | - | 6 | - |
Compare side by side: ACS Education Services vs Earnest · ACS Education Services vs College Ave Student Loan Servicing · ACS Education Services vs Meritize Financial · ACS Education Services vs LendKey Technologies
What people say about ACS Education Services
All experiencesNo experiences with ACS Education Services yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest ACS Education Services complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Sep 29, 2026 | Student loans | Dealing with your lender or servicerReceived bad information about your loan | Explained |
| Sep 8, 2026 | Student loans | Dealing with your lender or servicerNeed information about your loan balance or loan terms | Explained |
| Sep 1, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 22, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 30, 2026 | Student loans | Struggling to repay your loanCan't temporarily delay making payments | Explained |
| Nov 23, 2025 | Student loans | Dealing with your lender or servicerReceived bad information about your loan | Explained |
| Oct 20, 2025 | Student loans | Dealing with your lender or servicerReceived bad information about your loan | Explained |
| Oct 4, 2025 | Student loans | Dealing with your lender or servicerTrouble with how payments are being handled | Explained |
| Sep 12, 2025 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jun 16, 2025 | Student loans | Dealing with your lender or servicerReceived bad information about your loan | Explained |
| May 30, 2025 | Student loans | Struggling to repay your loanProblem with forgiveness, cancellation, or discharge | Explained |
| May 26, 2025 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
Questions about ACS Education Services
How many complaints does ACS Education Services have?
ACS Education Services has 1,385 complaints on record since March 2012, including 6 in the last 12 months and 0 in the last 30 days. That makes it number 1,757 of every company by complaints this year.
Does ACS Education Services respond to complaints?
Yes. ACS Education Services answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only.
What do people complain about most with ACS Education Services?
The most common problems are dealing with your lender or servicer (310), attempts to collect debt not owed (24), struggling to repay your loan (40).
Is ACS Education Services legit?
ACS Education Services is a real company with a public complaint record: consumers have complained about it 1,385 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is ACS Education Services legit? for the signals, red flags and how to protect yourself.
Are complaints about ACS Education Services going up or down?
Down. There were 6 complaints in the last 12 months against 13 in the 12 before (-54%). See every month.
How do I file a complaint against ACS Education Services?
Complain to ACS Education Services in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most ACS Education Services complaints come from?
Most come from California (200), New York (114), Texas (98). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
Talk about ACS Education Services
No comments yet. Start the conversation - questions are welcome too.