CFPB Consumer Complaint Profile
ACS Education Services
What 1,380 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-05-15
- 1,380
- Total complaints
- 7
- Last 12 months
- 95.1%
- Timely response
- 54
- States affected
The verdict
Out of 3,848 financial companies in the CFPB database, ACS Education Services has accumulated 1,380 complaints, placing it #272 by volume. 95.1% of its complaints get an on-time reply, beating the 93% median for the 100+ complaint peer group.
- #272
- of 3,848 companies by volume
- 95.1%
- answered on time
- Student loan
- most-complained product
- 54
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2012 | 106 |
| 2013 | 89 |
| 2014 | 125 |
| 2015 | 93 |
| 2016 | 301 |
| 2017 | 276 |
| 2018 | 133 |
| 2019 | 101 |
| 2020 | 39 |
| 2021 | 32 |
| 2022 | 39 |
| 2023 | 22 |
| 2024 | 13 |
| 2025 | 11 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for ACS Education Services
ACS Education Services carries 1,380 complaints in the CFPB's database, 7 of them filed within the past 12 months. Consumers spanning 54 states and territories have weighed in, giving this a nationwide footprint. "Student loan" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Dealing with my lender or servicer," a reasonable starting point for understanding recurring friction.
ACS Education Services's timely response rate stands at 95.1%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. In 25.1% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. Of complaints that were resolved, 4.7% closed with some form of monetary or non-monetary relief to the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does ACS Education Services have?
The CFPB has logged 1,380 complaints against ACS Education Services to date, of which 7 came in over the last 12 months.
Does ACS Education Services respond to complaints on time?
ACS Education Services has a 95.1% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for ACS Education Services?
The most complained-about product for ACS Education Services is "Student loan." You can view the full product breakdown on this page.
What is the most common complaint issue with ACS Education Services?
Consumers most often cite "Dealing with my lender or servicer" when complaining about ACS Education Services; the full issue list with counts is above.
How do I file a complaint against ACS Education Services?
You can file a complaint against ACS Education Services directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about ACS Education Services?
Consumers in 54 states and territories have filed complaints about ACS Education Services with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~1,380)
Also handles Student loan
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.