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.
- 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 →
Response Quality Score
ACS Education Services scores strongest on timely response (91/100 percentile-benchmarked) and weakest on relief provided (22/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
22 / 100 percentile-benchmarked
4.7% of complaints closed with relief to the consumer
Timely response
91 / 100 percentile-benchmarked
95.1% of complaints answered inside the CFPB 15-day window
Closed with explanation
91 / 100 percentile-benchmarked
94.9% of complaints closed with an explanation to the consumer
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
Volume vs. relief
Where ACS Education Services sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, ACS Education Services files more complaint volume than 18% of them, and closes complaints with relief more often than 56% of them, placing it in the quadrant for lower volume, above-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 1,381 · Closed with relief: 4.7%
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