Poor customer service, unexplained charges and failure to honour payment arrangements

My experience with ACS Credit has been extremely disappointing.

For months I have been trying to obtain a proper reconciliation of my account, specifically showing how the fees, interest and other charges have been calculated. Despite numerous requests, I have still not received a clear breakdown explaining how these amounts were determined.

The service I have received from the ACS call centre has been unacceptable. The consultant who contacted me was rude and dismissive. On more than one occasion, when I tried to explain my situation or ask questions about my account, the call was ended before I was given the opportunity to finish speaking.

What has frustrated me even more is that payment arrangements are not being captured correctly. Arrangements that were agreed to for a period of three months were not honoured or correctly recorded on the system. As a result, I continued receiving collection calls, SMSs and emails, and my account was charged for these communications, even though I was complying with the agreed arrangement.

As a consumer, I expect transparency, accurate record-keeping and respectful communication. Instead, I have experienced poor customer service, unexplained charges, failure to honour agreed payment arrangements, and an unwillingness to provide a proper reconciliation of my account.

I sincerely hope ACS Credit reviews its internal processes and starts treating customers fairly by providing clear account reconciliations, correctly recording payment arrangements, and ensuring customers are treated with respect.

Based on my experience, I cannot recommend ACS Credit.