TELL THEM YOU WANT IT IN WRITING OR NO PAYMENT

All of your student loan info is in your credit report dates, amounts and lenders

this call is several times a day, including week ends.... as early as 8:20 am.  The calls are automated and you have to wait... I hang up.

Same problem here! They take forever to process payments (up to three Weeks from the time I send them) and even after they post the payment, they start calling about the next month that's not even due yet. I've even been paying more than my payment every month, yet still they call. Its ridiculous! I've been trying to consolidate it, but they won't sign off on the Direct Loans paperwork and keep saying they never receive it. I don't know what else to do.

call coming in, do not know or recognize number

This number (800-835-3411) calls me at least 3 times a week asking for someone that I don't even know. I called them back today, and after 10 minutes of "on hold" time, got to talk to someone that wanted my account number (don't have one, NEVER had one). After telling them I have been out of school for 30 years, and never have had a "student loan", he said he would need my SSN# and phone number "just to check"! I told him I wasn't giving him anything other than my phone number, (which they already have) and a notice that their number and company name (ACS) has already been turned in to the State of Indiana for fraud. He assured me that my number would be removed from "their list". I hope this works!!

I have had the same problem.  Current loan and trying to expect payments now.  I just don't answer...you legally have six months from graduation until any payment is due.

ACS keeps calling when the loan is current.  Someone should report them to a government agencey for harrasement!

ASC is harassing me too! They're automated calling system keeps calling even though my education loan payments are current. STOP THE HARASSMENT or I will start a class action law suite.

Yup: loan is current, I'm enrolled full-time, all loans deferred, my university reports my enrollment to them, plus I sent them a deferment form filled out by my registrar. I talked to the Department of Education and they said if it goes to default, Department of Ed. takes over the loan and will rehabilitate it once I provide the proper documentation from my registrar. They'll remove any derogatory items from my credit report. I'd rather have Dept. of Ed. as my only servicer (they already service other of my loans) so it looks like default is desirable as long as you have the cajones to go through with it.

I get calls from this number either daily or every other day.  No one is ever on the other end, they leave no messages.  I do have a student loan I am paying on even though I have no idea why, I paid the school.  This company will not leave me alone and the loan should be through Chase Bank.  I don't have a clue who ACS is, but I do not want to talk to someone in India, I want to talk to someone in the USA that can speak proper english.

These thugs bought my student loans from Chase - which I will never forgive Chase for - they keep saying I am in default, but I am making payments. They then said the account was transferred to them with a missed payment - but I have proof from Chase that this not the case. Horrible people to deal with, then started calling because a payment was 4 days late (but it was not late). Believe me, if I had $60,000 I would pay them off right now, but because that is not the case, I will be dealing with these idiots for a long time...

I keep getting calls from someone at this number and they do say they are ACS, an education debt collector. My student loans are in forebearance and I told them this. They asked for my social security number which I said I do not give out to anyone over the phone, especially since I had just spoken to Sallie Mae and my student loans are in good standing. How can I keep these people from calling and disturbing me. It is quite upsetting to continually get these calls.

I received a call at 9:30 p.m. asking me to verify my social security number.  I asked, yelled, who is this.  They said they were calling from ACS about my student loan.  I asked what country were they calling from, caller replied Jamaica.  I told them I am not continuing a conversation about my pesonal information from a source in another country.  Why do we allow our government to send all of our personal information outside of the United States?   It is a well known fact that other countries are cosntantly stealing our personal information and creating these scams to steal out identity.  What about The Privacy Act, doesn't it protect our personal information and if not, maybe this should be demanded.  What good is it for the consumer to do all they can to protect their privacy and companies like ACS are setting us up to become a victim.  It is all well and good they sign a statement.  Who will enforce violations to Americans?

If that fool call you back tell him you have his phone number and you know where he lives and if he doesn't stop calling you-the police will be calling him.  Tell him you don't need a date and he must be desperate tying to pick you up.

Why not just turn your phone off on Saturday morning.  When you ake up just remember to turn it back on!

i just got a call from them asking to me (but had my maiden name, which i haven't used in years). i said she wasn't home, but wanted to know what this is in regards to. they said i have an outstanding student loan, which is NOT true. i am currently paying a hefty sum to a company in NH who was nice enough to work with me to consolidate everything into one payment. i refuse to give them any more information and i even called back and said that they need to stop calling. if they call again, i will be reporting them.

ACS has a F rating from the BBB.

Got another call an hour ago asking to talk to some girl by name that we have no idea who it is. She doesn't exist here.

Don't know who they are. What they want. Never have done business with them.

Call almost every week.

Your suspicions are probably right:

Sallie Mae Sells Out Students? Safety and American Jobs

Sallie Mae, the nation?s largest student lender, is quietly processing student loans in India and the Philippines.  These are student loans, subsidized by American taxpayers to help keep college education affordable.

Sallie Mae routes payments, complaints and applications for these government-subsidized loans ? containing sensitive personal and financial information ? to processing centers in Bangalore and Pune, India.  Calls about collections and loan originations are also passed to centers in India, as well as Baguio, Philippines, prompting complaints like this from student borrowers:


?I just got a bill from Sallie Mae claiming that I must pay, and that I am not enrolled in school currently (an error). I called to get it taken care of and got a guy named ?adam.? Adam had a thick accent so I asked if he was from India. He said ?Yes, I am.??

After insisting the call be transferred to the United States, the caller told a Sallie Mae representative in the United States:  ?I told Rick how angry I was that Sallie Mae, a US Government funded company, was outsourcing its call center to India, and that as an American, I was not comfortable talking to a foreigner about my financial information. Rick told me ?Well, foreign students don?t like talking to Americans, we are an international company.?

Increased Risk of Identity Theft
Offshore call and processing centers, particularly those in India, are regularly accused of selling personal and financial information. Last week, undercover reporters for the BBC posed as fraudsters and bought the names, addresses and credit card account details of United Kingdom residents outside of Delhi. Symantec Corporation traced the ?leak? to an employee of a Bangalore call center. In July, a researcher at an Indian management institute wrote:

?India is widely considered one of the most corrupted countries among the major global economies. It is even behind China, one of its major competitors in the global economy. There is a pressing need for improving transparency, particularly government departments and bribe culture; and security, particularly of intellectual property rights in the country.?

Sallie Mae Wants More Taxpayer Money for Outsourcing
Now, Sallie Mae is fighting to use its loan servicing network to keep tabs on the billions of dollars Uncle Sam is spending to prop up for-profit student lenders, including Sallie Mae itself. Six companies are currently vying for a lucrative 10-year contract to service all federal student loans.

It?s difficult to put a price tag on the contract.  The Department of Education estimates the loan servicing fees to be more than $200 million a year in revenue, according to Michael Whisler, the administrator overseeing the bidding process. The DOE plans to award the contract this spring. Work will begin in late August or early September.

Increased education spending coupled with fundamental changes to simplify student lending as proposed by President Obama will increase the number and volume of loans that need servicing, work that most likely will have to be handled by private companies, Whisler said.

President Obama said his renewed focus on education is critical to the country?s economy and the well-being of the next generation. In a March 24th speech, Obama said this in response to questions about his proposed budget:

?Now, the alternative is to stand pat and to simply say, ?We are just going to not invest in health care. We?re not going to take on energy. We?ll wait until the next time that gas gets to $4 a gallon. We will not improve our schools.

?And we?ll allow China or India or other countries to lap our young people in terms of their performance. We will settle on lower growth rates, and we will continue to contract, both as an economy and our ability to ? to provide a better life for our kids. That, I don?t think is the better option.?

Obama?s plan would fundamentally change the way student lenders, like Sallie Mae, are paid by eliminating the subsidized federal loans that have produced multi-million dollar profits year-after-year.

No Requirement to Keep Jobs In the U.S.
The education department contract is designed to handle the federal bailout of student lenders, not the increased funding and reform proposed by Obama. Unlike the bank bailout, the education contract doesn?t require recipients to buy American.

The contract, however, does require ?all personnel? to complete a federal background clearance based on their position risk level. Preliminary clearances must be completed for high-risk positions prior to working on the student aid system.

STILL, TWO OF THE LARGEST SERVICERS, SALLIE MAE and AFFILIATED COMPUTER SERVICES, LLC (ACS) ? THE EXISTING STUDENT LOAN SERVICER ? HAVE OVERSEAS OPERATIONS.

Sallie Mae uses processing centers in Florida, Indiana, Pennsylvania and Texas in addition to its processing operations in India and the Philippines.

While executives listed the offshore operations in a presentation to investors, none of the offshore facilities are depicted on a map of the United States showing ?Operations Locations.? The company?s most recent annual report doesn?t use the words ?India? or the ?Philippines,? although Sallie Mae has been contracting overseas companies, particularly those in India, for years.

Sallie Mae?s Offshore Servicing Causes Many Complaints
Sallie Mae?s offshoring practice has spawned complaints since at least 2006 about everything from heavy accents making it difficult to communicate to providing financial information to call center employees in other countries.

As one borrower put it in February 2009, ?I got out-sourced to India and felt very uncomfortable giving personal info, social, credit card numbers, etc. I expressed my concern and to be connected to an American based representative only to be hung up on over and over and over.?

Other Companies Competing
ACS provides technology and ?business process outsourcing? to commercial and government clients. It operates in more than 100 countries and has 65,000 employees. It operates 12 data centers and three enterprise command centers (ECC) in Dallas, Bangalore, India and Monterrey, Mexico. These command centers perform various processing activities and provide round-the-clock support to the company?s clients.

The four other companies competing for the contract don?t publicly disclose alliances with offshore companies. They are Wells Fargo Bank; American Education Services, which is a division of the government run Pennsylvania Higher Education Authority; the Great Lakes Education Loan Services Inc. and NelNet, Inc.

A battle over which company would receive the lucrative loan servicing contract erupted shortly after President Bush signed legislation that increases federal grants and student loan amounts as well as buying back loans from private lenders under the Ensuring Continued Access to Student Loans Act of 2008.

Sallie Mae, for example, sold $1 billion in federal loans to the Department of Education in October 2008.

Sallie Mae Protests
In July 2008, the Department notified the industry that it would use existing loan servicer Affiliated Computer Services (ACS) to handle the loan processing.

A month later, Sallie Mae protested the decision, alleging the deal violated bidding laws by dramatically expanding an existing contract without engaging in competitive bidding. Sallie Mae demanded all student loan processing work be stopped immediately and that the education department put the work out to bid.

Before a government arbitrator could hear the protest, the education department capitulated. In October 2008, the education department announced it intended to put the contract out to bid in January 2009. When the bid solicitation came out, potential bidders had two weeks to respond. The contract is supposed to be awarded this spring.

Whisler, the DOE administrator overseeing bidding for the contract, didn?t respond to questions about the accelerated bidding process. And, the department didn?t respond to questions about why the contract allows outsourcing.

Since this will be an exclusive government contract, cheap foreign labor is not needed to compete with pricing of competitors. Whichever company is awarded this contract will likely have no servicing competition for the next ten years.

http://www.consumerwarningnetwork.com/2009/03/31/sallie-mae-outsourcing/

They called me saying they were ACS, which handles Sally Mae student loans. I did not think I had them, I thought I had Wachovia, but you know these days how loans are being sold. They had my old address and this is why I had not apparently received anything from them. They had the correct loan amount I owed.
Anyhow, I talked with the guy a while about interest rates and payment dates, no other personal info was requested (ssn). I found out the rep was from Jamaica. 2 days later he calls me saying he left acs and just wants to talk with me. I think this is totally suspicious, and I am fearing fraud now that he has my loan information and probably other personal information.

They've only left one message and I can't remember who they were trying to reach.  I think the first name was Wendy and it was regarding a student loan.  Since then when I answer it's an automated system that puts me on hold, yes, on hold.  There a message saying to hold on, they're there to help me.  I held for a bit to try to sort this out, but gave up after holding for several minutes.

they keep calling me at 5 in the morning.  we called back, sure enough ACS, asked for an account number... I don't have one.  then asked for my ssn, refused to give it.  

I asked for their home phone so I can call them at 5 in the morning.  

I swear I called twice, got the same woman with two different names - sounds suspicious to me.

What you need to do is tell them that he no longer lives there and that you are requesting a cease of communication from them. They have to follow your request, if they do not you should contact the FTC and file a complaint against the company, there are laws by which debt collectors must abide which include times when they can and cannot call. If you go go FTC.gov and enter Debt Collector into their search field you will see a PDF file to read, I would strongly recommend you reading it.

Acs keeps calling  my number for my son. They called the first time on a Sunday morning at 8:20 AM as I was getting ready for church. Since then, they call on Saturday and Sunday mornings by 8 AM. I have told them to stop calling here, yet they still do. What can I do to get rid of them? They are harrassing, and Sat. mornings are the only morning I can sleep in, but theryu keep waking me up!!

Collections Department of ACS