How to fix inaccurate student loan servicing issues???
For 5 years my student loans were serviced through ACS Education Services. I always paid off on time, and occasionally paid extra off.
Recently, ACS Education Services has dumped a bunch of their student loans on to Brazos Loan Servicing. For my loan, they did not report to Brazos any of the early money I paid off. Moreoever, since I did everything with ACS Education Services through e-statements, I have no record of my last balance with ACS Education Services. The moment my loan was transferred to Brazos, my ACS log-in stopped working. And when I called customer service, they told me they are not allowed to comment or look at former accounts. When I asked how I could attain my e-statements now that my account was locked out, she told me I could go to NSLDS, and then when I asked her why my early payments weren't reflected in the transferred loan to Brazos, she hung up on me.
I went to NSLDS, got the info. http://www.nslds.ed.gov/nslds_SA/
I then called Brazos, and they were a little nicer. I told her NSLDS didn't match my loan transfer statement from Brazos. We walked through, and confirmed the numbers didn't match. She then re-directed me to NYS HESC, my loan originator.
Unfortunately, this all took place when Sandy hit, and I couldn't reach NYS HESC. Now I have some free time and plan to pursue that path... but realistically, what else can I do? I am anticipating being bounced around some more, and I bet I am not the only 20-something stuck with this kind of problem due to big corporations screwing the little guy.