ACS is taking over Wells Fargo Student Loan -- in an effort to make sure my history matches what is transfered over here's what Im finding out. Ive been making payment --they are saying Im delinquent status at a certain point (270 days) they can garnish wages... WELL my last payment to Wells Fargo i.e... of $257 was NOT credited in full --they are only showing $130 payment. HELP!! Of course, I don't want to send anymore payments. I have called WellsFargo for a payment history...and I will do my part to compare w/my bank I was making payment thru. THIS IS CRAZY!! ALL THIS SHOULD BE A RED FLAG!! NOW I have to spend time/energy/money to fight this. What recourse does one have for this? With all the CROOKS AND CRAZINESS w/financial institutions, there should be some recourse. Im seeing complaints on-line. Any advise!!? People do your homework on payment history --