CFPB · Slower timely-response band
ACS Education Services
1.4K CFPB complaints · 95.1% timely (slow band) · top issue Dealing with my lender or servicer.
ACS Education Services answers 95.1% on time (lower third) across 1.4K filings. Relief 4.7% · top product Student loan. Allegations, not findings.
- Volume rank #282 of 342
- Slower timely-response band
- -99.1% filings 2012 to 2026
CFPB relief outcome brief
CCDB company acs-education-services
4.7% relief · 95.1% timely · 1.4K filings · Student loan
Same-product relief peers
Nearest relief peer: Mohela (4.8% relief)
ACS Education Services closes 4.7% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of ACS Education Services's 1.4K filings include narrative text
42% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
ACS Education Services complaint mix by product
- Student loan 1K 84.4% – 6% relief
- Credit reporting, 115 8.3% – 0% relief
- Debt collection 84 6.1% – 0% relief
- Credit reporting 11 0.8% – 0% relief
- Consumer Loan 2 0.1% – 0% relief
- Money transfer, 2 0.1% – 0% relief
- Bank account 1 0.1% – 100% relief
Lighter-volume mix: how ACS Education Services's 1.4K complaints split across CFPB product categories. Resolution badge = % closed with relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Student loan | 1.2K |
| Credit reporting, credit repair services, or other personal consumer reports | 115 |
| Debt collection | 84 |
| Credit reporting or other personal consumer reports | 11 |
| Consumer Loan | 2 |
| Money transfer, virtual currency, or money service | 2 |
| Bank account or service | 1 |
| Credit reporting | 1 |
Nationwide filing states for ACS Education Services
Top states by attributed volume, lighter-filing company
- Leading state
- CA
- 14.4% of this company's filings
ACS Education Services falling annual filings
Annual filing volume from the CFPB public database
- 2026
- 1
- -99.1% vs 2012
Top States
| State | Complaints |
|---|---|
| CA | 199 |
| NY | 113 |
| TX | 98 |
| FL | 85 |
| GA | 71 |
| PA | 59 |
| IL | 59 |
| MD | 56 |
| VA | 51 |
| OH | 48 |
| MA | 46 |
| NJ | 36 |
| CO | 34 |
| NC | 30 |
| WA | 29 |
| MN | 29 |
| AZ | 26 |
| MI | 24 |
| OR | 22 |
| DC | 18 |
Top Issues
| Issue | Complaints |
|---|---|
| Dealing with my lender or servicer | 453 |
| Dealing with your lender or servicer | 308 |
| Repaying your loan | 162 |
| Can't repay my loan | 138 |
| Incorrect information on your report | 114 |
| Struggling to repay your loan | 40 |
| Problem with a credit reporting company's investigation into an existing problem | 39 |
| Problems when you are unable to pay | 28 |
| Attempts to collect debt not owed | 22 |
| False statements or representation | 13 |
| Cont'd attempts collect debt not owed | 12 |
| Communication tactics | 11 |
| Disclosure verification of debt | 9 |
| Written notification about debt | 7 |
| Getting a loan | 5 |
| Took or threatened to take negative or legal action | 4 |
| Improper contact or sharing of info | 3 |
| Improper use of your report | 2 |
| Taking/threatening an illegal action | 2 |
| Problem with a company's investigation into an existing problem | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2012 | 106 | 98.1% |
| 2013 | 89 | 100% |
| 2014 | 125 | 99.2% |
| 2015 | 93 | 94.6% |
| 2016 | 301 | 95% |
| 2017 | 276 | 98.9% |
| 2018 | 133 | 97% |
| 2019 | 101 | 85.1% |
| 2020 | 39 | 76.9% |
| 2021 | 32 | 93.8% |
| 2022 | 39 | 87.2% |
| 2023 | 22 | 81.8% |
| 2024 | 13 | 76.9% |
| 2025 | 11 | 100% |
| 2026 | 1 | 100% |
Source: CFPB Consumer Complaint Database
ACS Education Services in the slower-timely third
ACS Education Services's 1,381 logged complaints reach a nationwide footprint - 54 states have at least one filing. 42% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2012 through 2026-04-30. Timely response 95.1% sits in the lower third of the corpus.
ACS Education Services answers 95.1% of complaints inside the CFPB's tracked window (timely band: slow) and closes 4.7% with relief; 94.9% close with a written explanation. Consumers disputed 0% of responses after the company replied. Top product "Student loan" · top issue "Dealing with my lender or servicer."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about ACS Education Services.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for ACS Education Services: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 1.4K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 95.1%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for ACS Education Services (#282 of 342; 95.1% timely; 4.7% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Slower timely-response band