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 2026-08-14
- 1,380
- Total complaints
- Among the highest
- 7
- Last 12 months
- 95.1%
- Timely response
- Below median
- 54
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, ACS Education Services has accumulated 1,380 complaints, placing it #273 by volume. On-time replies land at 95.1%, the 30th percentile for the 100+ complaint peer group.
- #273
- of 3,843 companies by volume
- 95.1%
- on time (30th pctile)
- Student loan
- most-complained product
- 54
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
ACS Education Services vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
95.1% Around the middle higher than 30% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
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. Resolved cases drew a formal consumer-dispute rate of 25.1% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 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, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for ACS Education Services: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count (1,380 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (25.1% here).
Also handles Student loan
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.