| 11/29/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Final communication with Heartland ECSI, servicer of student loan account owned by Ohio University ending in XXXX, prior to bankruptcy petition filing was the XXXX day of XX/XX/XXXX. Heartland ECSI was informed of bankruptcy filing and stopped all email, US Mail, and phone calls at this time. Bankruptcy petition filed on the XXXX day of XX/XX/XXXX. Heartland ECSI notified of bankruptcy petition filing on the XXXX day of XX/XX/XXXX via U.S. Bankruptcy Court - Bankruptcy Noticing Center ( Certificate of Mailing ). Adversary complaint filed with bankruptcy court on the XXXX day of XX/XX/XXXX, to include student loans/debt owed to Ohio University in bankruptcy case. XXXXonsent Order of Court filed by US Bankruptcy Court to include any alleged debt owed to Ohio University to be dischargable in bankruptcy case on the XXXX day of XX/XX/XXXX. Heartland ECSI notified of Consent Order of Court on the XXXX day of XX/XX/XXXX via U.S. Bankruptcy Court - Bankruptcy Noticing Center ( Certificate of Mailing ). Order Discharging Debtor filed by US Bankruptcy Court on the XXXX day of XX/XX/XXXX, with 14 day appeal period ending XX/XX/XXXX. Heartland ECSI notified of Order Discharging Debtor on the XXXX day of XX/XX/XXXX via U.S. Bankruptcy Court - Bankruptcy Noticing Center ( Certificate of Mailing ). Final Decree/Bankruptcy Case Close ordered on the XXXX day of XX/XX/XXXX. Heartland ECSI notified of Final Decree/Bankruptcy Case Close on the XXXX day of XX/XX/XXXX via U.S. Bankruptcy Court - Bankruptcy Noticing Center ( Certificate of Mailing ).
Heartland ECSI sent account summary statement generated on the XXXX day XX/XX/XXXX, by U.S. Mail, and received that very same day so it is quite apparent statement was generated prior to the date on the account summary statement. The statement illustrates a current amount due, a past due amount, late fees accrued before, during, and after bankruptcy, with a total amount due of {$110.00} by the XXXX day of XX/XX/XXXX. We attempted to access the account via Heartland ECSI online account dashboard but the site would not allow any login or display any error when attempting. Due to the assumption that Heartland ECSI was attempting to update their records or were somehow delayed in processing the discharge, but were able to disable online account access, a response was not attempted at this time. Heartland ECSI sent by U.S. Mail a correspondence 60 Day Final Demand/Loan in Default generated on the XXXX day of XX/XX/XXXX and received via U.S. Mail on the XXXX day of XX/XX/XXXX.
On the 21st day of XX/XX/XXXX, a correspondence was sent via XXXX. Certificate of Mailing, with Return Receipt, to XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, PA XXXX, in which details contained within notified and explained the debt attempting to be collected upon by Heartland ECSI was discharged by the U.S. Bankruptcy Court on the XXXX day of XX/XX/XXXX, final decree issued on the XXXX day of XX/XX/XXXX, and included all alleged debt and student loans owed to Ohio University by Consent Order of Court filed on the XXXX day of XX/XX/XXXX. Further details include notification of any further attempts to collect on this debt or continued reports to any consumer credit reporting agency otherwise in an attempt to persuade debtor to pay this discharged debt would be followed up with filings for violations of the U.S Bankruptcy code. Certified Mailing was received by Heartland ECSI, signed by Heartland ECSI, and Return Receipt signed and dated for the XXXX day of XX/XX/XXXX by Heartland ECSI.
Upon further review of accounts listed with the U.S. Department of Education on the XXXX day of XX/XX/XXXX, this account is being reported as in repayment, with the history of the account stating that account was placed into Forbearance ( BK ) on the XXXX day of XX/XX/XXXX, which should be dated the XXXX day of XX/XX/XXXX ( per U.S. Bankruptcy Court Petition ), and then placed back In Repayment ( RP ) on the XXXX day of XX/XX/XXXX, which is also incorrect and should be discharged as such court orders stated previously on the XXXX day of XX/XX/XXXX.
On the XXXX day of XX/XX/XXXX, at XXXXXXXX XXXX, we contacted Heartland ECSI at their customer service number ( XXXX ) XXXX to gain details on the account and seek resolution in accurately reporting the account. In speaking with the agent, I explained that there are late fees on an account I have not received anything about since XX/XX/XXXX, and to issue a trouble ticket for missing documentation, in which she responded that she will not submit a trouble ticket as to the missing statements because they have the correct email address on file and their system states the statements were sent to the correct email so this problem is out of their control and that I could have logged into the account online to see the statements. I explained that their site will not allow my login and she explained that after 90 days of no activity the online account access is disabled without notice. I explained my concerns that Heartland ECSI has not issued statements since XX/XX/XXXX, disabled my online account access without notice, yet she still states that since my online account says that I will receive my statements electronically online that they will not send them in the mail and will not inform me that online account access has been disabled, and thus can not see statements online either. With no way to receive statements except online, as she states, but online account is disabled, thus no way to receive statements, but she refused to provide resolution. When asking about why they are collecting on a discharged debt, she responded that Heartland ECSI received notification that the bankruptcy was done on the XXXX day of XX/XX/XXXX, in which I explained that the final decree and bankruptcy case close was issued on the XXXX day of XX/XX/XXXX, with notice send from the bankruptcy court on XXXX day of XX/XX/XXXX so that would not be accurate. After being on the phone for one hour and forty-six minutes, she changed her initial response to state that Heartland ECSI received notification directly from the bankruptcy court on the XXXX day of XX/XX/XXXX of the bankruptcy was concluded and that is why a statement released on the XXXX day of XX/XX/XXXX. She stated that she will remove some of the fees but it would not bring the account current and would not submit any service ticket to investigate the missing correspondences, nor would she submit any request to research and update the account as discharged in bankruptcy as she stated I was lying as you cant discharge us anyway, and that the account would continue to accrue fees and be reported as past due and the only thing we could do is just pay it off to stop the collections. When requesting to speak with a supervisor, she informed me that there are no supervisors but that someone would reach back out within 48 hours to further discuss my concerns. Upon her continued statements and refusals to address the concerns or even submit service tickets so that appropriate personnel could research and update the account appropriately, I explained that I would file a complaint with the US Bankruptcy Court for violations of the U.S. Bankruptcy code, the Department of Education for the refusal to even attempt to investigate the issues and update the account or involve a supervisor to assist, and the Consumer Protection Bureau. She responded with you can do that but it does not have anything to do with us. Again, I requested that a supervisor be of assistance, in which she responded that someone will reach out within the next 24-48 hours and then she disconnected the call before I was able to respond.
In our history with this loan servicer since XXXX, Heartland ECSI will consistently make claims of calls and correspondences that were never completed, continually berate and threaten borrowers, and falsify account data to ensure that all services seem as if they are following U.S. laws and regulations. This is clearly shown in the numerous complaints submitted to multiple U.S. departments and agencies over many years of servicing student loans. Luckily, given our OCD in documenting every single interaction with any business weve ever had a relationship with, were able to provide all the needed documentation and recordings to the appropriate investigative departments. We will be submitting all evidentiary records to multiple U.S. departments to ensure that an investigation is properly conducted. Thus, enabling other borrowers to experience accurate and ethical practices from this servicer, and be protected from such predatory situations going forward. Though it would prove more beneficial to borrowers for servicers to provide honest and ethical practices, at the end of the day it is about how much the bottom line can grow for these establishments, and if the unethical and illegal practices eventually leading to monetary punishments will surpass the profits made in the meantime.
|
| 01/17/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I attended XXXX University from XX/XX/XXXX -XXXX XXXX and graduated with a XXXXXXXX in XXXX XXXX. Before graduating, I was advised that I had to pay a portion of my tuition out of pocket since I only qualified for student loans and it didnt cover all of my tuition each semester. I was advised that my out of pocket expense was roughly around $ 450-500 each month. I asked XXXX representatives at the financial aid department on two different occasions if I had any financial aid or student loan disbursements for the upcoming year I was told no twice and was explained that I had maxed out of my grants and I was only able to get a student loan to cover a portion of my tuition and the rest was left to me to pay. Once again, I called XXXX twice in XX/XX/XXXX and asked if I was going to get any more financial aid disbursements and I was told no from 2 different representatives.
On XX/XX/XXXX, I contacted XXXX bursar office and requested a history of all the financial aid refunds that were direct deposited to me during my enrollment and they sent me an email of the refunds/disbursements and I realized that there was one disbursement that I did not recognize. I contacted XXXX bursar office upon receiving the email to get more information and as stated in the email, I was advised that there was a paper check that was sent to my old address in XX/XX/XXXX in the amount of {$2100.00} and the check was cashed on XX/XX/XXXX. I informed XXXX that I did not cash the check and I called a few months prior to the date posted on the check to ask if I were going to receive any more refunds after the one I received in XXXX of XXXX and I was told no.
After explaining and crying to XXXX bursar representative they informed me that I needed to submit a forged affidavit form and sent it to Heartland ECSI which is a third party loan servicer ; that they were going to investigate my claim and have XXXX issue me a check within 90 days.
3 months later I contacted XXXX for an update ( I was no longer attended since I had already graduated ) and I was told that they never received a forged check affidavit or see any notes in their system that a representative sent one to me. I had explained the situation again and also stated that the last representative I spoke to sent me the forged check affidavit for me to complete and submit ; I also sent a copy of the check that was sent to my email. After explaining all of this to the representative, I was advised to sent in a another notarized affidavit along with the copy of the check to them and they will forward it to Heartland ECSI who investigate the claim and to contact them within 90 days they were going to issue me a check. I explained that I had no knowledge of any check being sent to me and most of my refunds from financial aid were direct deposited to my bank account. They apologized and advised that they were going to look into this matter.
Another 90 days later, I called XXXX to check on the status of the forged check and was advised that I was suppose to sent the forged check affidavit and a copy of the forged check to Heartland Campus Solutions ESCI. I explained my situation again and was told that the information I sent needed to go directly to them and gave me their phone number to contact them.
I contacted Heartland and was advised that I needed to send the notarized forged check affidavit to the them along with a copy of my ID and a police report. I informed them that its been almost a year that I have been sending in the affidavit and I felt like this wasnt going anywhere and Im just getting the run around at this point. Heartland gave me their mailing address and advised that they should have a decision within 90 days and that the school was going to issue me a check. I sent it through certified mail I contacted them 150 days later ( early XXXX ) to be told they never received anything again even when I provided them a tracking number to locate the mail I sent. I even explained that a detective called me from the XXXX precinct in XXXX XXXX and asked me questions regarding the report I filed and informed me that they may not be able to get surveillance from the check cashing center ( where the check was cashed ) since it happened back in XX/XX/XXXX but they will keep in touch if they have any updates or any other questions. After getting the run-around from XXXX and Heartland, that is when I became very suspicious of them because each time Im called back to get an update or resolution Im being told that they never received it and to send it again.
90 days after that I called Heartland again and I was told by Heartland rep that they have no information in their system that I sent them anything or any notes regarding a forged check that was cashed and was given a fax number to sent over the affidavit, police report and a photo copy of my ID once again. When I received confirmation that the fax went through I called Heartland right away to advised that I sent over the fax and I have the confirmation that it was sent. The Heartland rep stated that they did received it and that it would take up to 90 days for the claim to be investigated.
I contacted Heartland 4 months later and they told me that the matter has been resolved and the conclusion is The correct payee received the check and cashed it. I was heartbroken and devastated that I was practically being accused of lying about not cashing a check-that was obviously not signed by me. I asked to speak to a supervisor and was advised by a supervisor that the decision was final and it was determined by their legal department. I asked the supervisor at Heartland, how can that be correct when the detectives told me they were going to let me know of any updates? they could not answer that question and told me that I would have to contact XXXX. Then I asked when was this resolved since its been almost a year and a half of going back and forth and I was told that their legal department came to the conclusion that The correct payee received the check ten days after I submitted the information by fax in XXXX of XXXX. I contacted the XXXX precinct police department in the XXXX XXXX and asked to speak to the detective handling my case and I was told that they were still looking into it but so far nothing. Therefore Heartland is lying, they do not want to help me or issue me a check like they promised. This is a student loan reimbursement check that I have to pay it back when I am completely finished with school and its not right that they can give me the run around for as long as they did to turn around and tell me I did it. I cried to them over the phone to look into this matter once more but told me the case was closed, they wasnt anything else they can do and that they will not issue a check. I explained that they should help me based off the fact that I usually got an email whenever I was going to receive funds within 24-48 hours but never sent me anything regarding a paper check that was going to be sent by regular mail. All of my disbursements and refunds that I received were through direct deposit and the only one that was sent through regular mail was stolen??? after being told I was not getting anymore funds after the last direct deposit I received in XX/XX/XXXX????. Something seems very odd here and I suspect fraudulent behavior from both companies Please help me recover the funds that were stolen from me. I have no where else to turn. Heartland rather accused me of lying instead of taking my word for it and working with the detectives to see who could have done this. Please Help me
|
| 01/05/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I 'm currently preparing to apply for graduate school. I pay my XXXX loans monthly to XXXX and XXXX. On XX/XX/XXXX, I was notified of a hold on my XXXX XXXX University account preventing the release of transcripts when I attempted to have them sent to another school.
I called the following day ( XX/XX/XXXX ) to inquire, and was told by my University that my XXXX loan was 24 months past due and had been sent to collections.
I was surprised. I had never received a bill for this loan or any contact about it. The university representative explained that my mailing address had been changed twice, which I had not done. She said it had been changed internally. The original mailing address was correct, so I have no idea where anything has been sent for two years. They also had an outdated phone number that has n't been in use since XX/XX/XXXX.
However, she said, because I had opted for electronic notification, statements were being sent to my university email account.
Having been out of school for three years, I retrieved my university email account. I found zero emails had been sent to me in regards to this loan.
I did receive many emails asking me to sign the exit interview, the most recent from XX/XX/XXXX. I remember these emails because despite having signed it multiple times, it was never processed through XXXX 's poor website. It eventually worked, however XXXX still shows that I 've never signed it.
So, I used the Live Chat feature on XXXX 's website after reading horrendous reviews about their phone-based customer service. This Live Chat did not answer my questions and, at the end, was edited by XXXX and does not reflect the actual transcript. Below is the transcript, and please note the edits XXXX made to this conversation : Chat transcription : XXXX XXXX XXXX : Hello XXXX, thank you for using Live Chat! One moment please while I access your account.
XXXX XXXX XXXX : Hi there! Thanks.
XXXX XXXX XXXX : I have now accessed your account, how may I assist you today?
XXXX XXXX XXXX : I actually just found out about this account today. Apparently, I 'm two years past due, but have never received a letter, email, or bill in relation to this loan.
XXXX XXXX XXXX : This account has been assigned to collections and XXXX XXXX is no longer servicing it. The loan is now with XXXX XXXX XXXX. and you can contact them at XXXX for assistance.
XXXX XXXX XXXX : Can you tell me why I never received a bill?
XXXX XXXX XXXX : Did you have a valid mailing address on the account during the time it was with XXXX XXXX?
XXXX XXXX XXXX : I don't know, since I never knew about this account. If all information came from my University, then there should have been.
XXXX XXXX XXXX : Either way, you will need to contact XXXX XXXX XXXX., we can not assist you with this account.
XXXX XXXX XXXX : I understand and appreciate the phone number. However, I still do not understand why Heartland never contacted me about this loan. If it 's not in collections, which affects my finances, this is a major concern.
XXXX XXXX XXXX : Now in collections* XXXX XXXX XXXX : The account show bills as having been mail every month to ( correct mailing address was here ) throughout XX/XX/XXXX.
XXXXMy replies, which were not read nor responded to by XXXX : XXXX XXXX : That is the correct address, thank you for checking. However, I never received anything.
XXXX Sir, Im going to assume youre a real person and not a robot. Ive known about this loan for about two hours, and in that time Ive found a wealth of information online about others who - like me - never received bills in relation to their loans. I dont want the headache of contacting the XXXX or Consumer Financial Protection Bureau, or calling a lawyer. I want information about what methods were used to contact me, and records of them.
XXXXThe next update to the chat erased my previous two messages. XXXX 's responses appeared in the chat transcript with inconsistent time stamps, not in the chat itself. These replies did not appear until the chat had ended : XXXX XXXX XXXX XXXX : Also, late letters and phone calls were issued throughout the year.
XXXX XXXX XXXX : The account was reassigned to collections in early XX/XX/XXXX.
XXXX XXXX XXXX : May I assist you with anything else today, XXXX?
XXXX XXXX XXXX : I do apologize, due to no further response I will be ending the chat. If you are still in need of assistance, please do not hesitate to begin a new Live Chat session with us or you can also contact our office by calling XXXX and any of our representatives will be more than happy to assist you. We are here Monday-Friday from XXXX XXXX-XXXX XXXX Eastern Standard Time in our Call Center and we are available on Live Chat Monday-Friday from XXXX XXXX-XXXX XXXX and also on Saturday from XXXX XXXX-XXXX XXXX. Again, we do apologize we missed you but look forward to assisting you in the future. Have a great day and thank you for using Live Chat!
My concerns are three : 1. XXXX XXXX has a near-unanimous reputation from consumers for being deceitful, difficult, disrespectful, and cutting corners. I do not understand how they 're still contracted to handle student loans by public, government-funded institutions.
2. My mailing address given to XXXX has been my parent 's home for eleven years. That it was internally changed twice to non-existent addresses seems incredibly odd, especially since I received my diploma in the mail without issue. Further, that XXXX in the Live Chat claimed my original address was what they had on file makes no sense. XXXX 's office informed me that XXXX had a different address. Before I could log in to the Live Chat, I had to provide my address. I believe the address XXXX provided during the chat was copied from this form, and they lied.
3. This loan has now been given to another company, XXXX XXXX XXXX, without my knowledge until today. The original balance was small, only {$1000.00}, but now totals over {$1500.00} due to late fees for bills I never received. I received zero emails, phone calls, letters, bills, or any form of contact. The last email about my loan was as stated earlier, on XX/XX/XXXX, asking me to once again sign the exit interview from XXXX. I have not received any contact from XXXX XXXX XXXX or XXXX about this loan.
I have a major ethical issue with so many universities across the country using this universally detested and shady company for collecting on debts. Yes, collections agencies get a bad reputation. But what XXXX XXXX has done to many consumers, including myself, is wrong. They are clearly comfortable making continuous clerical errors in order to turn profits off of fees. I was shocked to see the Live Chat transcript edited so heavily, but after reading dozens and dozens of stories about this company I 'm no longer surprised and simply disappointed in my university for using this company in the first place.
|
| 06/17/2018 |
No |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I currently have two institutional loans that are being handled by XXXX XXXX. Both are in repayment. Loan A payments are due monthly, and I've paid off some of it. Loan B payments are due quarterly, and I'm nearly done with the repayment.
My problems with XXXX are threefold : ( 1 ) They messed up the end of the repayment of Loan B, the quarterly loan, even after I called them specifically to make the last payment in an exact amount. ( 2 ) Their support is insufficient and poor in quality. ( 3 ) Their stated practices around loan repayment are poor, and the company seems to be intentionally misleading and predatory.
( 1 ) My second loan with XXXX, Loan B, requires quarterly payments. It turns out XXXX doesn't allow you to set up recurring quarterly payments on their website, so I had called and set one up, and by XX/XX/XXXX I was nearly done with repayment. I called XXXX XXXX on XX/XX/XXXX to discuss the final payment of Loan B. I asked if their system would automatically handle the final payment in the amount of {$19.00} without my intervention -- would it recognize that I was done paying and only debit the {$19.00}? The rep said no, it would debit me the full amount, so it was up to me to call at the end of each loan and configure the final payment. ( What?! I think this is archaic, and if this is the case they should state that on the website -- not wait until I call them to tell me. ) On my XX/XX/XXXX call, I asked to just make the final payment of the loan ASAP. The rep verified that the payoff amount of the loan was {$19.00}, and if I paid the amount of {$19.00} that would payoff the loan. She said the only way to make this payment without a fee ( even though my account was enrolled in direct debit ) was to make the payment on XX/XX/XXXX, and adjust the payment date for my other loan to the XX/XX/XXXX of the month. Fine, I said.
On XX/XX/XXXX, my account was debited for {$19.00}. I check my loan balance, and it's {$0.00}. After digging into my statements, I see that the payoff amount for my loan is {$19.00}, and the balance amount is {$19.00}. It looks like the payoff amount has increased since I spoke to the rep in XX/XX/XXXX. I can not believe the rep did not tell me this would happen or account for the new payoff amount, even though I asked to : ( a ) Make the payment as soon as possible, and ( b ) Pay off the full remaining amount of the loan, and even verified the amount with her.
In case CFPB removes the amounts to anonymize this comment -- readers, please note that this difference I'm taking about is UNDER TEN CENTS. So, all this time wasted, for less than a dime 's worth of payment.
( 2 ) XXXX Support is only available XXXX XXXX - XXXX XXXX EST Monday through Friday, and XXXX XXXX - XXXX XXXX EST on Saturday. Even live chat is only during these hours. I live on the west coast. This means that I can only get support through XXXX XXXX PST on workdays. I can't contact them in the evenings, so I either have to call them before work ( unreliable, as wait times are long and variable and this could cut into my work schedule ). Or I can wait until Saturday to contact them -- which doesn't work for time sensitive financial matters. These hours might be okay for the east coast, but if XXXX is servicing loans for people across the country, they need to expand these hours.
They also do not offer email/ online form submission for support. If they did this, it would allow people to initiate support cases outside of the restrictive hours. It would also allow people to have a written paper trail of what XXXX support has told them -- something that is sadly impossible to get today. It would create accountability from XXXX.
( 3 ) Payment fees are ridiculous. Website configuration and wording is confusing. Not only is it hard to figure out what you owe and when you owe it, it's also difficult to set up automatic payments. Remember, I couldn't set up recurring direct debit on my quarterly loan without calling them. If I remember correctly, they also messed that up at the time and I had to call back and have them reconfigure. It took more than an hour on the phone. I've dealt with other loan servicers before and have never seen anything this bad.
Also, a one time payment with credit or debit costs 3.95 % plus {$1.00}. The 3.95 % is significantly higher than the 2.5-2.9 % payment processors like XXXX, XXXX, and XXXX charge, so I can only assume that XXXX is making extra money off people paying with debit or credit. This seems wrong to me. What they're charging is beyond standard.
A one time payment with direct debit costs {$1.00}. This was a problem for me when my loans were first transferred over to XXXX. The transfer was done just in time for my next bill to be due, so my choices were either to make the payment late with free recurring direct debit ( because I would have to get on the phone with them to do this, due to my quarterly loan ), or I could pay the {$1.00}. A customer shouldn't feel cornered like this -- I shouldn't have to pay extra to make my on-time loan payments due to limitations of XXXX 's system. Either fix your system or make the first payment fee-free.
Overall, I am appalled by the lack of attention to detail the reps display, the few and insufficient customer support options, and the limitations of XXXX XXXX 's software. It's ridiculous. I've spent hours on the phone with their reps trying to figure out my account. Not only does it seem to take forever to get ahold of someone, but once I do, the rep often doesn't know how the system works or gives me incorrect information.
I shouldn't have to waste my time managing my loan provider. Certainly not during work hours, which seems to be the only time their support is available. I've made every payment correctly and on-time but only because I've sunk hours into trying to get ahold of these folks and understand their poorly designed site.
|
| 04/11/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Introduction : On XX/XX/XXXX during a review of my XX/XX/XXXX taxes, I was unable to log into the provider of my Federal Perkins Loan utilized for my studies at the University XXXX XXXX. I tried multiple times to log into the loan provider ( XXXX XXXX now doing business as XXXX XXXX ; XXXX XXXX XXXX ) and was alerted that an account did not exist. This was very concerning as I wanted to download my XXXX tax form to record the interest paid during XX/XX/XXXX. After a XXXX Search, I found a user forum website which described a similar occurrence using XXXX and having a suggestion to try alternative loan providers as the loan may have been transferred. Also, in reviewing my XX/XX/XXXXbanking data ( checking account ), I noticed that XXXX did not debit any payment for the Perkins Loan using the ACH system since XX/XX/XXXX. I have been paying this loan off since my first payment on XX/XX/XXXX and have not missed a payment on the loan utilizing the XXXX website along with the automatic debit system to lower the interest rate and validate that the loan I am very thankful for is paid back.
Based on the recommendation of the user forum, I found that many XXXX loans were transferred to XXXX XXXX among others. I created an account at XXXX XXXX this morning and checked the status of my account. Based on payment history, which began on XX/XX/XXXX and was continued uninterrupted until XX/XX/XXXX. Not one payment was missed during this time. Looking at the XXXX XXXX website under account statements, the first balance that is due was on XX/XX/XXXX and continued monthly until XX/XX/XXXX. My account is listed as within collections even though I was never notified nor communicated with about the change in provider nor the disabling of the automatic debit program. I also was charged a fee of {$820.00} on top of accrued interest for the loan not being paid.
This is an unfair practice to not communicate the necessary information regarding the changeover of a loan provider nor discontinuing the automatic debit for payment which occurred on time almost 3 years. As I saw this injustice, I went to the Consumer Financial Protection Bureau website to see what types of options I can undergo. Based on the complaint submission form, I decided to contact XXXX XXXX to gather more information surrounding this occurrence and rectify any debts. I also aimed to have the fee disregarded as I did not receive proper communication and found the provider change based on filing my taxes.
Call to Loan Provider : On XX/XX/XXXX from XXXX EST to around XXXX EST, I called XXXX XXXX at ( XXXX ) XXXX based on the contact information listed on the website ( XXXX XXXX XXXX XXXX XXXX ). At this time, I spoke with a XXXX whom would not share her last name nor employee number, but stated she is the only XXXX working at XXXX XXXX. She also mentioned that all calls are recorded. For the actual recorded call, please contact XXXX XXXX and describe the timing along with the employee spoken with. At first I explained my situation and as a part of security measures, XXXX verified my contact information. This included my name, last four digits of my social, phone, and address. After XXXX explained that since the account is in collections and XXXX XXXX could not do anything, she provided the number of the collection agency. Before we ended our conversation, I asked her for the details of any contact attempts to alert me of the change. She mentioned two phone calls ( one in XX/XX/XXXX and one in XX/XX/XXXX ). The number was not the number provided within my contact information ( which XXXX verified at the start of our conversation ) and there was no ability for me to receive the call. Next, I asked for any correspondence thru US Mail. She stated documents were sent out, however, once again not to my contact address as verified through the security verification of my person. Based on these items, I asked for any identification information from herself as a record of our conversation before formalizing my complaint.
Details : I have included screen shots of the XXXX XXXX website while logged into my account created on XX/XX/XXXX. These include my contact information, the fees charged, the collection status of the account, every payment made since XX/XX/XXXX until XX/XX/XXXX and the " past due '' statements which began in XX/XX/XXXX. These past due statements were never communicated to myself and I do not believe a honest attempt was made to notify me of the XXXX XXXX becoming the new loan provider and canceling the automatic debit that was set up for almost 3 years. Also, I am concerned that there is a gap between the paid statements ending in XX/XX/XXXX until XX/XX/XXXX for the current statements from XXXX XXXX. This 2 month gap in statements is confusing and since the company did not keep with the agreed upon payment schedule, I doubt how someone can assume that the debt was transferred over. I disagree with the handling of this loan by XXXX XXXX as I was always excited to see my overall loans decrease since graduation as the opportunity the loan allowed me to have was excellent. I also disagree with any additional fee added to the amount of the loan based on XXXX XXXX lack of communication.
Please help me navigate this situation, I see complaints surrounding XXXX XXXX thru minimal XXXX searching. I want to continue paying my Perkins loan as agreed upon and starting in XX/XX/XXXX. I look forward to any feedback and please feel free to contact myself for more details including account numbers.
|
| 07/23/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
To whom it may concern, My name is XXXX XXXX, and I graduated from XXXX University with a XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX. I also graduated from Vermont XXXX XXXX in XXXX of XXXX with an XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX.
I took out many loans to attend both of these schools, with every intent of paying them back. The issue at hand regards a Federal Perkins Loan of {$2000.00} that I took out in addition to several private loans in order to attend XXXX. Heartland ECSI was the servicer for this particular loan. While I did complete a virtual exit interview with Heartland ECSI at the end of my last semester at XXXX, by the time the 12 month grace period had ended, this loan had slipped to the back of my mind.
At this point, Heartland ECSI began sending physical notices through the mail that the grace period had ended and payments were due. However, these notices were being sent to my previous residence ( my Mother 's house ). While my mother informed me that I was receiving mail from Heartland ECSI, I had assumed that is was in regard to a nearly identical loan that I took out during my time at Vermont XXXX College, which I have not missed a payment on. I checked my account online, and there were no perceivable issues. A point can be made here that Heartland ECSI 's website/repayment interface is confusing. They require you, the borrower, to set up separate loan accounts under the same username, which I had done for my Vermont XXXX College loan, but not my XXXX loan. Therefore, when I logged into my account, there was nothing regarding late payments or anything of that nature. At that point I chalked it up to a glitch and figured if there was an issue, I would receive a phone call or an email.
Unfortunately for me, I did not receive any additional correspondence, and the loan went into collections. This was very poor timing, as I was trying to refinance my student loans at the time due to the fact that my minimum private student loan payments were around {$1800.00} a month. Because I had delinquent loan on my credit report, I was immediately rejected by any refinancing lender. At this point, I figured I should try contacting XXXX to see if I could receive any assistance with this issue, as I saw it as a simple miscommunication with joint accountability which could be easily resolved. I also brought up the issue to one of my peers, who told me that he had had the same exact situation happen to him. He told me that he simply disputed the delinquency status on his credit report, and got the issue resolved with relative ease. This gave me hope.
Yet again, unfortunately, things did not go my way. I disputed the delinquency status on the loan twice through Transunion, with no luck. I contacted XXXX twice, the first being a voicemail left with the XXXX XXXX XXXX ( XXXX ) department of XXXX. The department felt no obligation to respond to me directly, and went directly to the collection agency ( XXXX XXXX XXXX ). The second being a very descriptive email to the then President of XXXX at the time, XXXX XXXX. Mr. XXXX assured me that this would get taken care of, and told me that someone from XXXX would be in contact. This amounted to no progress whatsoever.
At this point, frustrated as can be, I abandoned my efforts to try and reason with unreasonable people, and set my sights on doing whatever it takes to be approved for a refinance. While my income has been a little over {$50000.00} a year since starting my current job in XXXX of XXXX, {$1800.00} a month, on top of rent and other basic expenses, had me living paycheck to paycheck during this time. Luckily for me there was a global pandemic happening and Federal Student Loan payments were frozen. I truly do not know what I would have done if they were not frozen, because that would have been an additional {$200.00} a month.
So I did what I had to do, and borrowed {$2800.00} ( {$800.00} added to the balance for collection fees ) cash from my mother to pay the full balance to the collection agency. But it doesn't stop there, as it can take about to a month and a half or so for a credit report to update. This being said, I patiently waited for my credit report to update, only for it to show a balance of {$6.00} remaining on the delinquent loan. Despite wanting to pull my hair out, I paid the remainder of the balance, and waited an additional month and a half for the credit report to update. Finally, on XX/XX/XXXX, I applied for a refinance and didn't get immediately rejected. Now, I have been making monthly payments for my now consolidated private loans of about {$1000.00} a month, with an interest rate of about 3 % instead of around 8 %.
I do not hold any bitterness towards XXXX XXXX XXXX, as they were only doing their job. They also pointed me in the direction of a non-profit student loan lender ( XXXX ) to refinance my student loans. The big takeaway from this is that I think that XXXX and Heartland ECSI should take their respective accountability, as I have done. This situation could also have been very easily remedied and was not, and as a result, I suffered extensive unnecessary hardship.
|
| 08/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX has a serious issue with their website. you go to the prompt called dispute and you can't do anything other than update? How do you get your info updated on XXXX website? They have all of my info, some right mainly most wrong... but they do not have this info that shows correct documentation nor the issue of the disputes. nor can you place any uploads to show that you creditors is breaking laws under the fair credit acts.
it's really a shame that we the USA has such a horrible consumer abusive credit system. we really need a better system. Consumer protection why have these unreliably credit bureaus, save us taxpayers some time and money by closing them and just you guys the consumer protection run things, we consumers must always come and cry to you people anyway because these horrible 3 national credit bureaus never get anything most right, they ruin consumers lives, they allow massive inquires and then the consumer like you will see samples of must suffer. I am sending you the exact same info that I need for the CPA to get tough with XXXX to get them to do my updates plus get a better website for consumers to upload info. Cut us consumers a break huh ... I know I only speak for me that I am sick and tired of paying for lawyers to see letters of possible civil litigation due to violating the unfair credit acts in this XXXX XXXX economy, can we all get on the same page so I can have money so I don't have to keep hiring consumer attorneys? this way, I can have more money left on my small paycheck to pay my bills on time does not lose my apt . and can not get another apt . in my name due to faulty info on my national credit reports. I need for XXXX bureau to know what is going on with my credit report. Here we go...
UPDATED Address : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Ohio XXXX ( since XXXX ) I am filing federal trade commission ( FTC ) disputes against credit bureau agencies XXXX XXXX XXXX XXXX XXXX XXXX for purposely posting false and inaccurate no non-sense inadequate info onto my XXXX, XXXX and XXXX credit reports.
XXXX credit bureaus staff are careless and lazy and is continuing to ruin my credit profile by constantly lying posting bad things on my credit reports to keep me from gaining any NEW Established credit with creditors and or renting an apartment lease after filing bankruptcy. I deserve a fresh start such as any other consumer. I HAVE HAD ENOUGH of the unfair credit bashing against me from all 3 National Credit Bureaus PLUS XXXX XXXX for no reason., All 3 credit bureaus are continuing to bash my reports with nothing but lies. Please NOTE : I only have one acct. open with XXXX XXXX ONLY! Its current and thus far... never late. XXXX... XXXX, please act and ENFORCE these 3 National CREDIT bureaus plus XXXX XXXX XXXX to STOP placing lies on my credit reports ASAP! OMG, let these 3 Nationals Credit Bureaus plus XXXX XXXX bureau tell it to the CREDITORS, Bureaus are telling creditors my credit ratings are in complete bad dire straits with all creditors on my credit reports WHICH IS FALSE! Seriously how can this poor credit scores after paying of $ XXXX of student loans OFF have this kind of poor and I mean XXXX poor kind of a XXXX scores on all of my credit bureau files? HOW? Even when I only recently have filed bankruptcy on XX/XX/XXXX. I have been discharged and now there is only 1 ( ONE ) creditor AND THATS XXXX XXXX XXXX my recent car loan PERIOD! Neither one of the 3 credit bureaus NOR this fake company called XXXX XXXX dont have not one thing correct on my credit file.
I have asked the FTC to investigate another so-called creditor that is not allowed at this time to be on my credit reports. The Creditor is Consumer XXXX XXXX company for practicing Bad car loan Dealership/Finance cc : XXXXXXXX XXXX XXXX. I call myself buying a car from XXXX on XX/XX/XXXX.
Both Parties involving XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX Ohio XXXX ) did an illegal deal because both parties knew I had just filed bankruptcy which makes it hard to get a decent car loan other than scammers like XXXX XXXX XXXX claiming that they will help you restore your credit. When I called myself buying the car from XXXX Auto dealership om XX/XX/XXXXXXXX I could not even get all of the automobile papers that came with the car when I first made the car purchase. Here are the copies of the only papers I received after signing massive papers to take car off the car lot of XXXX XXXX XXXX. I signed over 20-25 documents after I so-called bought the car. ( Documentations attached ) Then you have the XXXX Agency that finance my school XXXX XXXX wanting me to do their job for them constantly phone harassing me then placing lies on my credit reports says I am now in DEFAULT? When I am not in the DEFAULT because all loans have been discharged as well as my XXXX Loan for attending the XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) on XX/XX/XXXX. Please go after the XXXX XXXX XXXXXXXX loan agency for lying saying that I am late on paying my school loans when in fact all my school loans including the loan, I had for XXXXXXXX XXXX XXXX is paid off in full.
Documentations attached )
|
| 03/25/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
The issue at hand stems from both inaction and a lack of information from the load servicing company XXXX XXXX. The dates and actions provided below are based on correspondences, many of which can be retrieved via email archives, between myself and XXXX. The loan in question is a Perkins load which is qualified for deferment/cancellation per federal law. The deferment, as specified in the XXXX XXXX Form, " Request for Perksins Deferment and/or Cancellation - XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX '' ( complete form can be provided on request ) is valid per my verified employment as a XXXX XXXX XXXX at XXXX Massachusetts in XXXX Massachusetts. Despite this, through no fault of my own, XXXX has marked my loan as delinquent because the correct forms were sent to the wrong contact at the XXXX XXXX XXXX ( XXXX ). A list of dates and actions will be provided below specifying the direct actions taken by myself to ensure I was compliant with federal law and the rules set fourth by XXXX. I am not asking for any type of additional recourse all I want is XXXX to do the only job they are responsible for. Managing my loan. Please note any emails or forms that have not been destroyed by XXXX can be retrieved as evidence.
XX/XX/XXXX Received email from XXXX indicating my annual student load statement was prepared.
XX/XX/XXXX Completed " Request for Perkins Deferment and/or Cancellation '' and mailed it to XXXX per the instructions on the form XX/XX/XXXX Received incorrect billing statement indicating I was liable for payment that should have been legally deferred based on the actions I was responsible for.
XX/XX/XXXX Contacted XXXX to ensure that paperwork was properly received as I had received a billing statement indicating I owed money for a loan that was legally being deferred. Per my call I was informed by XXXX that I needed to contact the Bursar 's Office at XXXX. Contacted the Bursar 's Office at XXXX and was told that XXXX mailed the paper to someone who no longer is employed with XXXX. This in itself is problematic as there is no indication from either XXXX or XXXX that the completed paperwork, which has my home address, employment information, and last 4 digits of my social security, is accounted for and is now simply floating around. After receiving the correct information from XXXX I was informed by XXXX that I should ignore the billing statement for XXXX.
XX/XX/XXXX Received past due billing statement indicating not only was I still liable for a billing statement that XXXX told me to ignore but that no corrective action had been taken since speaking with them.
XX/XX/XXXX I once again contacted XXXX to determine what exactly went wrong in the process that I was assured had been taken care of. In this call a number of troubling outcomes were determined listed below : No one including a manager ( " XXXX '' ) could tell me if the forms that I had correctly provided in a timely manner had been sent to the right contact at XXXX, or to any one at all. There was no quality control to speak of that would have indicated any type of chain of custody or accountability had they not been sent correctly. In fact they told me that it is possible they may have shredded the applicable documents because no action may have been taken in the 30 day window they give themselves before sensitive documents are destroyed.
" XXXX '' ensured me that she would look into the issue and contact me either later that day or the next day.
Received no return correspondence with anyone from XXXX since then ( this is being written XX/XX/XXXX ) On Friday ( XX/XX/XXXX ) I attempted to contact XXXX to see if I could get any followup on my issue after 30 minutes of being on hold I ended my call.
I will be conferring with legal council next week if we do not receive any resolution to this issue. I am not asking for anything other than XXXX do the only job they are responsible for carrying out. The fact that XXXX is included in this transaction is baffling to me as I could have mailed my own documents to XXXX without XXXX. However, as the way it is set up I must go through them and will continue to diligently follow the rules they set fourth.
Finally, I appreciate any help I can get on this and it is obviously a time sensitive matter as they have now reported my loan as delinquent which has real consequence on my credit score. If this negatively impacts my credit score/ability to secure credit in the future I will absolutely have questions on taking legal action.
Best Regards and thank you.
The attached forms are to provide this context : The completed deferment form is to demonstrate that the form was completed by the responsible parties ( myself and my employer ) before payment would have been due ( XXXX ).
The XXXX statement is to show that I am indeed qualified and had been participating in the deferment program through XXXX.
The XXXX statement is to show that because of XXXX 's inaction I was found to be liable for XXXX 's payment.
The XXXX statement is to show that my loan is now delinquent because XXXX has been unable to effectively manage my loan.
|
| 03/11/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
I successfully put my other federally subsidized student loan into deferment with a company called XXXX in XX/XX/XXXX for economic hardship.
The problem came when I tried to do the same thing with my Federal Perkins Loan through a company called ECSI Heartland. I currently live overseas and there is no way for me to put my loan into deferment. They do not accept online forms. All forms must be mailed to them. I told them that it would take a while to mail the form from overseas and they told me while they wait for the form they will continue to bill me for my loan. They make paying a loan and deferring a loan unnecessarily hard.
The following conversation happened on ECSI chat feature on their website on XX/XX/XXXX.
XXXX : Hi! My name is XXXX. Thank you for using Live Chat. One moment please while I access your account. In the meantime, please feel free to visit heartland.ecsi.net/index.main.html # /access/studentLoanAccounts/false to view some common questions regarding your student loan account. I will be right with you!
XXXX : In accessing your account our records reflect a different address on file. Are you able to verify the address we have listed?
You : I don't really know the last address you have You : the address I listed is my mothers as I currently live in XXXX You : maybe XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX?
XXXX : That is what we have listed.
XXXX : Did we need to update?
You : well my address is outside the country You : or you could use my mothers address the one I listed XXXX : Either address can be listed.
You : okay use my moms You : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX XXXX : The update has been made. Now are you looking to defer based on enrollment or financial hardship?
You : yes You : i deferred my other federal student loan in XXXX XXXX : If you are unable to make payment due to financial hardship you can apply for forbearance and or economic hardship deferment. This would require proper paperwork to be completed with proper documentation provided.
XXXX : To download a forbearance or deferment request form, please go to heartland.ecsi.net. Login is not required to access the forms. You will see Home, Download Forms, and Help Center on the top right side of your screen. Please click on Download Forms. If already signed into your profile, you will see the same link in the same location.
You will then type the name of your school in the field for School Name. If your school is in the drop down, click on the name of your school in the drop down, then Continue. If your school is not listed, you will then click on School Is Not on the List and hit Continue.
There you will choose the form that best fits your circumstances.
The completed form must be mailed to the address on the form. Please allow 7-10 business days from the mailing date for processing. You will receive an email when the request has been received and reviewed.
You : there no way i submit the form online?
You : cant i use the same form I used in XXXX with my other federal load?
XXXX : We do not have an electronic option to submit paperwork. All forms are to be printed and mailed back.
XXXX : The application/form can be different per company/school.
You : can i get a temporary deferement while i submit the form?
You : im submitting from outside the us so it will take some time to get to you XXXX : We do not offer verbal stops or holds. The account will continue to accrue until the paperwork is received, reviewed and processed if eligible.
You : i think this is illegal You : i also think you are lying XXXX : This is based on policy and procedure. Proper paperwork and documents must be received in order for any type of hold to be placed to the account.
You : im going to make a complaint to The Consumer Finance Protection Bureau ( CFPB ) XXXX : I can submit your concerns in in regards to our procedures. You can also speak with your school to see if they are willing to offer any form of verbal hold as they are your lender. We follow the guidelines in which are provided to us. We can not offer any form of stop with our proper documentation showing you qualify for this option.
You : Please try # You : The problem with you is that my other loan company put my loan into deferent with a verbal agreement and also accepts online forms You : you guys are making it unnecessarily hard You : this is illegal XXXX : I understand. The policy and procedures can alter and change through each company especially if the company owns the loans. We are a third party servicing company on your lenders behalf.
You : Are you sure there isn't a way to put my loan into deferment on the federal student loan website?
XXXX : There is not. Everything runs through us when it comes to the Federal Perkins loan.
You : I can somehow call XXXX University and ask them to put a temporary deferment on it?
XXXX : You can reach out to them but we can not guarantee they will approve the request. They can be reached at XXXX
|
| 04/30/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
In XX/XX/XXXX, I sent in my XXXX student loan payment via check. It was returned to me with a letter that said my acct. was paid in full. I also pay for credit monitoring with XXXX, who contacted me later that month to inform me that my credit score had dropped due to a missed payment to ECSI.
In XX/XX/XXXX, I contacted ECSI via online chat to explain the situation, and that I wanted the mark on my credit fixed since it was ECSI 's error. The representative told me that the only way to resolve this was to apply for a forbearance. Which I did, and asked that repayments be resumed in XXXX XXXX.
In XXXX XXXX I sent in another check. Although online, my acct. still listed me as being delinquent. Again my check was returned to me with the same letter.
In XXXX. XXXX ECSI notified me that my acct was deferred due to COVID, yet my acct. still read as past due.
On XX/XX/XXXX, I contact ECSI via phone. I spoke with a man named XXXX ( XXXX ). I sat on hold for 24 minutes while he talked to a supervisor. XXXX told me that he had submitted my case for investigation. He asked that I email copies of the paperwork ECSI had sent to me, which I did later that day to XXXX.
On XXXX XXXX, XXXX, I called again and spoke with XXXX ( XXXX ) to follow up for approx. 40 minutes. She said that no investigation had been started. That even though I had received this letter, and my check that they had no record of it. She said that the only solution was for me to write my acct. # in the memo line. Also, though I can not change my name online, and had contact via chat multiple times to change it they still had my debt listed in my maiden name. When I asked about resolving the mark on my credit, she told me that the only way to fix it was to send in hard copies of what they sent to me. I explained that I had already done it. She said that they do not check the previous email I was supplied. In fact, ECSI does not have an email because of privacy concerns. I told her I could not produce paper copies since I do not have a working printer or access to a fax. She said that maybe next month ( XX/XX/XXXX ), someone might happen to check the email I was given in XXXX. I pressed further, asking why I the customer, on top of interest, should pay for them to resolve their error. She said that she couldn't tell me anything different and forwarded me to her supervisor XXXX XXXX. XXXX came back and gave me her personal email and requested that I send her hard copies.
In XX/XX/XXXX I filed a complaint with the Attorney Generals Office. And received another call. They tried to collect payment on the first two payments I missed. I explained again that I had not missed these payments. That they had been sent back to me in error. I rehashed all that I previously stated. After I pressed the woman I spoke with told me they had contacted XXXX XXXX who agreed to fix my credit. She said if I did not pay these two missed payments though then they would not fix my credit.
I then asked about the federal deferment. Didn't that mean that payment was not due until it ended? She said yes, no payment was due until it ended.
On XXXX XXXX I logged onto my old student acct to download a copy of my unofficial transcripts for a job application. I wasn't able to access them as there was a hold on my acct.
I called and left a message with XXXX XXXX that was returned by XXXX on XX/XX/XXXX. At first she could not find my in the system because she needed my maidan name. She reread all my notes to me from the conversations I'd had with ECSI. She said the last notes read that they tried to collect payment and I refused. I told her about how I asked about the federal deferment and was told payment was not due until it ends. I asked her if that was not the case?
She explained that she didn't really know the answer to my questions but since her supervisor, XXXX XXXX was the one who handled it she'd have her call me.
On XX/XX/XXXX, XXXX called and left me a voicemail explaining that in her opinion I'd refused payment and that XXXX Federal Loans do not full under the umbrella of deferred payment even though ESCI on multiple occasions told me it did. As a result, ECSI sent my debt to collects with XXXX XXXX and I'd have to work with them to resolve it.
ECSI is using predatory methods to increase revenue. The only way you can make payments to ECSI without an additional fee is via check or enrolling in their automatic payment plan.
I think they are purposely employing tactics to generate revenue through fear by forcing people to incur late payment fees and, in turn, pay additional fees to quickly resolve a payment issue online and avoid a mark on their credit. They also threaten customers with these facts to coerce payment.
They also attempted to collect the debt from myself and my husband even though we were not married when I signed for it. This debt has only been in my name.
|
| 07/15/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
XXXX : My deferment is expiring and I apply for an income driven repayment plan ( Around XX/XX/XXXX, possibly also done before ). It is rejected stating they need more documents. As a frontline medical worker during the COVID pandemic, I was facing many stressors. I made multiple phone calls to ECSI, who could not tell me what was required and I submitted my tax information multiple times. The CARES ACT puts all federal student loans into deferrment, but I do not realize that these are not considered federal loans and they become past due.
XX/XX/XXXX ( see attached chat ) : Finally, after approximately 9 months, during a chat session ECSI informs me during a chat session that the reason that an income-driven repayment plan is being rejected is because the loans are not eligible for that payment plan at all. This is the first time this has been communicated with me. I retroactively put my loans into forbearance to protect my credit. I ask how to consolidate my loans, but they do not have this information. Given the stressors our hospital was facing during the height of the pandemic, I do not pursue this option further.
XX/XX/XXXX ( attached ticket and error message ) : ECSI informs me that my forbearance will be expiring. I contact ECSI as my employment at residency is coming to an end in XXXX and I will be unemployed. Apparently, I may have been eligible for a deferrment at this point, though it was not completely clear. I fill out another forbearance request. I am unable to access this request ( see attached email ) as when I attempt to sign into their customer hub, it states, " this account is not enabled for use on the customer hub. Please contact your administrator for help. '' It seems that ECSI has changed how they record chats and I no longer receive a copy.
XX/XX/XXXX XXXX attached email ) : I receive an email from ECSI stating that the forbearance for my XXXX loan is approved. I do not receive any correspondence regarding my other loan and assume that it was approved as well.
XX/XX/XXXX ( attached email ) : I am auto drafted for one of my XXXX XXXX XXXX loans despite requesting a forbearance and having financial hardship.
XX/XX/XXXX ( attached email ) : I receive a generic email stating that ECSI requires additional information to process my XXXX XXXXXXXX XXXX forbearance. Despite it stating that it is a " reminder '', it is the first notification that I received that my forbearance was not accepted. It contains no specific instructions except, " If you are unsure of what is needed to complete the approval decision process, please contact our Customer Service Department. '' I search their website for a section with specific documents providing more information, but one does not appear to exist.
XX/XX/XXXX : While in the midst of moving across the country for my new job, I again contact ECSI via chat. I am told that the reason that my forbearance was denied was that I put the wrong start date ( XXXX instead of XXXX ) and that I would need to restart the application. I submit another forbearance request this very day and leave a voicemail for my school 's financial aid advisor given my struggles.
XX/XX/XXXX ( attached denial email ) : I receive notice from ECSI that my accound is no longer current and threatening to contact the credit bureaus. I also receive an email stating that " XXXX XXXX XXXX Uploaded document is incomplete, all sections of the document must be completed in full.
XXXX XXXX XXXX Other : PAST DUE INTEREST NEEDS TO BE PAID ON BEFORE ANOTHER FORBEARANCE CAN BE PROCESSED ON LOAN XXXX '' This is the first time I am notified that the past due interest must be paid beforehand. I contact customer service again via chat and speak with XXXX, who verifies that, but unfortunately can not tell me how my second form is now incomplete. In addition, she states that she can not waive the {$8.00} late fee as it is the policy of the XXXX XXXX XXXX. She can not escalate this to a manager stating that I must call their phone line. She can not provide me with contact information for who to speak to at the XXXX XXXX XXXX. I leave another message for my school 's financial aid advisor.
XX/XX/XXXX ( attached email chain ) : I speak with my college 's financial aid advisor, who directs me to the main campus department of financial aid. I email them explaining the situation and subsequently speak to them over the phone. They refuse to refund the {$8.00} late fee stating that it is against their policy.
|
| 06/06/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
After interviewing twice for a XXXX XXXX job at a local XXXXXXXX XXXX hospital, I was told to call back if I ever decided to go to XXXX school. Upon acceptance into XXXX school, I was awarded an " assistanceship '' to cover my $ XXXX tuition and help further my career in XXXX. I considered this opportunity to be a blessing as I was told that all I had to do was work for the organization where there was an open position. Unfortunately, there was no verbal or contractual mention of a time frame for a job offer to be made, a less than competitive salary or a bi-weekly undisclosed fee that would be taken as repayment.
While in XXXX school, I reached out to my contacts several times to express my intention of working the organization. The correspondence generally resulted in implications that there would probably not be any open positions. Immediately after graduating in XX/XX/XXXX and attaining licensure by XX/XX/XXXX, I reached out to my contact and told them I was ready to work. After not receiving any correspondence for a few weeks and expenses climbing, I sought other employment. It was only after securing other jobs that I was offered a job within the organization with all the undisclosed stipulations and terms. I chose to go with another organization and to start repaying the organization starting XX/XX/XXXX.
Though I was paying all that I could possible afford, the payments quickly became unmanageable. The loans were split into 2 separate payments with different maturity dates ( XX/XX/XXXX and XX/XX/XXXX ) and monthly payments that totaled over {$3500.00}. The terms were never presented to me in writing and seemed to change depending on who I could talk to at XXXX XXXX. The loan servicer representatives gave me a single contact XXXX XXXX XXXX headquaters with whom I am supposed to discuss terms and agreements. After numerous requests, I have yet to receive a returned phone call or any written correspondence detailing terms and agreements other than a single letter sent in XX/XX/XXXX from XXXX regarding the smaller loan.
Two separate past due amounts were sent over to XXXX XXXX XXXX prior to their due date onXX/XX/XXXX. Upon trying to submit a payment on XX/XX/XXXX to XXXX, I saw that the loan amount had already been sent over to a collections agency and no detailed information was available on the website. I called XXXX on XX/XX/XXXX to ask why was it turned over to collections prior to its due date and was told it was due to the XXXX falling on a Sunday ( non-business day ). I went on to question the amount that had been placed with collections and was told by an agent -- with whom I mysteriously always get to speak with -- that he could no longer access that information and I would have to speak with the collections agency or my lender. Again, the XXXX XXXX XXXX contact number I am always given has never been in operation as it is a random nurses ' desk who never picks up or returns my calls. I asked to speak with someone who was in contact with XXXX XXXX XXXX and was told they do not communicate with customers at all and only talk to the lender. I asked to speak with the manager and was told he/she was not present and it takes 7-10 business days for a returned call. To date I have not received a call back.
I immediately called XXXX XXXX XXXX and spoke with an agent to get more information regarding the amount turned over to collections. As of XX/XX/XXXX and to date, they only have one past due amount for the smaller loan in house amounting to {$8800.00}. Yet when I call XXXX, I am told that both loans were sent over to XXXX XXXX XXXX at the same time on XX/XX/XXXX and they can no longer " see '' any information regarding either loan.
My questions are as follows : 1. Can a past due amount be turned over to collections prior to its due date?
2. If both past due amounts were turned over to XXXX XXXX XXXX on XX/XX/XXXX, why are they only showing the smaller loan amount?
3. If there is no trace of the larger loan at XXXX XXXX XXXX, am I still obligated to pay it blindly?
4. If I was never given a legitimate contact at XXXX XXXX XXXX to discuss the terms, how am I supposed to negotiate a more feasible payment option and stay out of collections?
|
| 06/08/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
To whom it may concern : Heartland ECSI is not a reputable company. Their poor management has led to extra late fees added on my account. Ever since XXXX has switched to them from XXXX ( which apparently went out of business ), I have been having difficulties making payments on time with their irregular emails and paper statements. Below is the summary of my interaction with Heartland ECSI.
XXXX Notification by XXXX via email that server changed from XXXX to Heartland ECSI.
-I enrolled on Heartland ECSI online immediately.
XXXX, XX/XX/XXXX, XX/XX/XXXX paper statements were received via mail and I paid via check because I didnt want to pay extra online processing fees they make you pay.
XXXX statement was not received via mail or email. XX/XX/XXXX I received an email stating that payment was past due. I called and asked why they didnt send paper statement. They said they did. I changed to e-statements because I thought it may be a problem with the postal service.
XXXX I received email saying e-statement is due, I paid via check.
XXXX statement was not received via mail or email. On XX/XX/XXXX I received email saying payment past due. Called and asked why statement was not sent. They said it was. I tried to reverse late fee ( {$6.00} ).
XXXX statement was not received via mail or email. On XX/XX/XXXX I received email and paper mail that payment is past due. Called again asking why I didnt receive any statement. They said it was. I was really upset because I kept telling them I am not getting either email or paper statement. I only get it when it is past due. They keep telling me there is a problem with my email account because on their record it was being sent. I thoroughly checked my spam and email and there was no record of e-statements being sent. They kept implying it was all my fault. I need to pay no matter if statements are received or not.
XXXX I called back to demand they investigate with their I.T. why I am not getting initial statements ( email or mail ), but only get them when they are past-due to my correct email and mail address. Opened a ticket #.
-I received an email XX/XX/XXXX from Heartland ECSI regarding ticket number #.
Hello Ms.___ I am emailing you in regards to the ticket that was opened to research the fact that you did not receive your Quarterly E-billing notification. After researching the issue, it was determined that there was a system issue that resulted in the quarterly E-billing notice not being sent to you. I have been informed that now that this issue has been identified, this same issue should not occur going forward. I do apologize for any inconvenience that this has caused. If you have any further questions, please contact our customer service team at XXXX.
Thank you, Call Center Operations Team -This company system issues has caused me much grief over the past year with their irregular statements, and making it my fault why I was late. In regards to me being responsible to paying my bills on time despite having statements : 1 ) These are quarterly statements and hard to remember with a busy life. 2 ) I signed up to receive statements on-line, I requested on phone to receive statements email or paper. They didnt follow through on my request, they stated that statements WILL be sent out. They broke an informal agreement. 3 ) It is unfair that I had to pay late fees because of their system not working. 4 ) They caused me a lot of grief and I wasted time speaking to numerous representatives at each past-due payment in trying to resolve the issue. They kept implying I was not telling the truth in regards to not receiving statements. They offered no resolution to the problem and just said to put it in my calender every three months and go online to check. I told them their online site is useless to me because I cant even pay online because of their added fees to process payments. 5 ) I had to make the active request for them to ask their I.T. to solve the problem. They never once tried to resolve the issue on their own.
I feel I am not the only person with an issue with Heartland ECSI, therefore I had to share my poor experience with this company.
|
| 03/20/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
ISSUE : Credit Card Processing Company ( XXXX XXXX XXXX XXXX is collecting monies on ticket sales ... and holding {$99000.00} as of yesterday XX/XX/XXXX of our funds. They are refusing access to this money until after the event late next month ... .and when tickets go back on sale XX/XX/XXXX for the XX/XX/XXXX XXXX -- they will then hold those funds for almost a year -- 11 months.
Our company XXXX XXXX XXXX is the owner of a smooth jazz radio station in Florida ( XXXX XXXX XXXX, FL ) and we also produce an annual smooth jazz festival called The XXXX Jazz Festival. The show is in its XXXX year. We have a contract with XXXX XXXX XXXX to process online ticket sales via credit cards. XXXX XXXX, XXXX has been a customer of XXXX XXXX, XXXX for 6 years, has great financials, no problem with fraud on any level, and only had 4 chargebacks in the last 12 months with over XXXX tickets sold each year. Of the 4 chargebacks or disputes from customers, we were able to win 2 of them in dispute.
The main issue is ... XXXX XXXX, XXXX on XX/XX/XXXX sent us an email ... .esseentially freezing access to all monies in the account. They still continue to accept new ticke sales through the merchant account for our tickets -- again -- not forwarding the money to our checking account.
Here is the email received from XXXX with is the credit card processing middleman ( Authorize.net ) : From : Underwriting ( CYBS ) XXXX To : XXXX XXXX ; XXXX XXXX Sent : Tue, XX/XX/XXXX XXXX pm Subject : Your Authorize.Net XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX : XXXX Dear Merchant, Out sponsoring bank, global payments, has notified us that we will be required to place your account on 100 % funding hold until after the completion of your event in XXXX. Starting today all processing will be held until that time. Once the event is over we will be able to review the transactions with them in order to release all funds at that time. However, the requirement from XXXX XXXX is also to place your account back on hold after that and to hold funds for the full year until next years event. Feel free to reach out if you have any questions.
Thank you XXXX XXXX XXXX XXXX Risk Analyst CYBS_Logos_Vertical_RGB I have made numerous attempts to call and email XXXX XXXX, XXXX -- they will not talk to me on the phone regarding this issue. I sent an email requesting a response and was told I would be contacted in 48 hours. No return call or email from XXXX XXXX, XXXX -- the company holding the funds.
As with any live event ... .ticket sales begin to ramp up as you approach the last 30-60 days prior to the show. How can this XXXX XXXX XXXX expect us to operate while they hold close to $ XXXX of our ticket sale monies?
Our XXXX XXXX XXXX XXXX is in almost a month. I will need these funds to do the show. Right now ... I access to these funds to pay the musicians ( they will not take the stage without payment ), to book hotel rooms for 175 musicians, rent staging, tenting and fencing, pay for on-site security and hire local sheriff deputies, hire the sound and lighting crew to run the show, hire a catering company to provide lunch and dinner for 1800 reserved seat patrons and all the performing musicians, pay to pull the alcohol permit for the four day event, purchase printed banners and a program guide, pay for festival printing on T -- Shirts and Posters which are sold at the event -- - as so on.
If XXXX XXXX XXXX is concerned about their " risk '' -- why are they still taking our credit card ticket orders? We have been a customer for 6 years with no issues. Again ... only 4 disputed charges from credit card customers in the last year and we won back two of the four in dispute.
And -- ultimately -- this " freezing '' of all funds is actually a huge problem ... as we need access to the funds to produce the show. It's the " chicken and the egg '' argument.
If I had at least some advance warning regarding the hold, I could have canceled contracts for billboards and other marketing commitments made to free up funds. This timing of this 6 weeks before our festival was unfair ... and absurd.
The event website is XXXX
|
| 02/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My inquires to XXXX, and XXXX XXXX confirmed that both have never validated or verified the installment loan entries on my credit report pertaining to XXXX XXXX XXXX, account : XXXX in the amount of {$9200.00}. In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, sent through certified mail, I mailed letters to XXXX in order to dispute the validity and reporting status of this account. I cited that according to section 616 and 617 of the FCRA that if this account was not verified, then by law it should be deleted from my credit report. Despite three written requests, the unverified account still remained on my credit report in violation of Federal Law. XXXX is required by federal law under the FCRA to have a copy of the original documentation on file to verify that this information is mine and is correct. In the results of the investigation, XXXX stated, in writing that they verified that this item was being reported correctly. I was not informed as to who verified the accounts, and more importantly, I was not provided with a copy of any original documentation. This documentation would be a consumer contract, or a business agreement with my original signature on it as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA. After conducting extensive research or my own, I have found that the account is being reported inaccurately, and equally as important, that by listing and reporting this item on my credit report, XXXX XXXX is in direct violation of the FCRA. I have attached several documents that will prove the following : Firstly, that the account in question was verified by the original creditor ( XXXX XXXX XXXX ) as having been paid in full due to a refinance in XX/XX/XXXX. According to my most recent XXXX credit report, XXXX XXXX continued to report the account as a collection well through XX/XX/XXXX. Also, according to my most recent XXXX credit report, XXXX XXXX is reporting this account as having a late payment status. This is both inaccurate and negligent, as that accounts payment status should clearly state Paid, Closed or Pays as agreed.
Secondly, that XXXX XXXX ( The organization reporting this account to the credit bureaus ) does not have the right to report this information, as they are not the original servicer of this loan, and they do not have any of my original documentation of file as required by law. They do not have a contract with my original signature on it. They do not have a contract that states that I consented to a relationship with them, business or otherwise. They do not have either of these items at their physical location, or in their physical possession in the form of an original or E-Signature. Ive attached a document that shows the recent correspondence that I had with XXXX via their customer service chat portal. It is clear that I was asking for the original documentation in the form of a signed Promissory note or E-signature, and they themselves confirmed that they do not have any or these records on file for me and that if I need them that I would have to obtain them from the original source. Again, per the FCRA, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgments all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for reporting to your services could fax, mail, or email in fraudulent and erroneous account information. Furthermore, if the organization reporting this information does not have said documentation on file, then they are in direct violation for the FCRA, they do not have the right to report this information, under my name and social security number, to the credit reporting agencies, and this account should be deleted.
Lastly, XXXX should be forced to follow the laws that protect consumers from negligence such as this. The inaccurate reporting of this account has caused me time, money, and opportunities. Deleting this account from all 3 credit bureaus is the least that can be done in order to resolve this issue.
|
| 10/24/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
Over the last several months, I have had unnecessary difficulty in getting the loan servicer XXXX XXXXXXXX to process the in-school deferment to which I am entitled.
XXXX XXXX took over servicing of my Federal Perkins Loans from XXXX XXXX University and XXXX XXXX University sometime in XXXX. Initially, their communication regarding the details of my loans was very poor, but requests to customer service to link my two accounts were eventually successful.
Subsequently, I applied for an in-school deferment, to which I am entitled because I am enrolled full time in a degree granting program. On XX/XX/XXXX, I made an initial submission of my federally approved and school verified deferment paperwork and requested that my status be applied to both loans under my name, which the company refused, instead applying my in school status only to one loan, that originated by XXXX XXXX University ( XXXX ), and then requested a resubmission of the paperwork for the second loan, originated by XXXXXXXX XXXX University ( XXXX ).
Despite the undue burden to submit separate requests, I acquiesced and submitted the very same paperwork for application to my XXXX Perkins Loan on XX/XX/XXXX. I wrote to customer service on XX/XX/XXXX to inquire about the status of the in-school deferment request and was informed that no paperwork had been received despite the fact that I had confirmation that my fax was sent. While speaking with a customer service representative through an online chat interface, I again faxed the deferment paperwork. The first time the representative told me that the paperwork was illegible. I sent the paperwork a second time and the representative informed me that I had not filled out the form correctly, despite the fact that the very same paperwork had been approved for the loan originated by XXXX. The representative proceeded to issue contradictory statements regarding the accuracy and completeness of my form based on the fact that an optional field for the correction of address information already printed on the form was not completed. Despite informing them that this field was optional and only required if information had changed, which it had not, the representative refused to accept the form. I therefore added the technically unnecessary information and resent the form for a third time. The representative then informed me that the form was received and was accurate and will be processed in 7-10 days.
I then proceeded to inquire about the period for which the in-school deferment would be applied, given that my form indicates my in-school status for XXXX XXXX ( XXXX-XX/XX/XXXX ) term and the XXXX-XXXX academic year ( XXXX XXXX-XXXX XXXX ). The representative informed me that I will have to reapply each term with two separate forms, one for each loan. This is an undue burden on the loan holder, as one form is adequate to discern the enrollment status to be applied to both loans serviced by the same company.
Further, in applying the in-school deferment status to my loan from XXXX, XXXX XXXX did not accurately translate my deferment information from the previous servicer, XXXX XXXX XXXX. This resulted in me having to make a payment of {$40.00} plus a {$1.00} service fee, as opposed to having my in-school status correctly applied, which would have resulted in no payment because I have continuously been enrolled full time since XXXX.
I also requested to know why the info page for the account holder does not list the actual date of the current status of the loan. The representative informed me that the due date is the end of the status date, but this information is not accurate and complete at all times, so it can not be trusted.
Throughout my exchanges with XXXX XXXX representatives, I have gotten the distinct impression that their answers are unnecessarily obfuscatory and that they have made the most basic functions of loan servicing unnecessarily difficult.
Finally, unlike nearly all major servicers, XXXX XXXX refuses to receive forms digitally. This adds to the difficulty in processing in-school deferments.
|
| 10/13/2016 |
No |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
The university transferred my Federal Perkins Loan from one payment processor ( Campus Partners ) to another ( Heartland ECSI ). There was no notification from the university. The old payment processor stopped working without no useful error message ( simply logs users out from login. they simply said 'website is under maintenance ' ). I made countless attempts to login and pay ( the university 's financial aid website now mentions this migration. however, you have to actively seek out this page on XXXX. That would require, first, that you know to search for the keyword 'Heartland ECSI ' or have lots of free time to constantly monitor the universities webpages for updates ).
Eventually I contacted campus partners by phone and was informed about the migration. The representative was being evasive and sparse on details. I was concerned my payments would be late and hurt my credit report / score. They reassured me that during this transfer process we 'd be given a 90 day grace period. The representative told me I should have received notification about this in the mail already. I verified my address was up to date. Eventually, a couple weeks later, I finally received mail from Heartland ECSI ( Around XXXX/XXXX/2016 ).
Previously, on campus partners, I was on a quarterly payment cycle. In Heartland ECSI 's mail, they said that for those previously on quarterly payment cycles would have a payment due ( XXXX/XXXX/2016 ) and the XXXX of the calendar month in succeeding quarters, ie : XXXX/XXXX/2016. I wanted to make my payment early, even before XXXX/XXXX/2016 ( when payment is due for people on monthly payment schedule ). I tried to login to Heartland ECSI and pay. Decent looking website, unfortunately, the website does n't function : the analogy here is a the website equivalent of a shell company. None of the payment options worked. The irony is that they are a payment processor, and they ca n't get this one job right.
( 1 ) For debit cards, they have a {$10.00} convenience fee. This is highway robbery. I worked at a XXXX XXXX previously where I had to deal with XXXX, and this is just plain immoral. Unfortunately, both of my ATM cards did not work.
( 2 ) For credit cards, they do not accept XXXX. I could not pay with my XXXX creditcards.
( 3 ) Paying with bank account + routing number does not work.
I am a XXXX at XXXX. I can tell good software from not-great software that works from software that is a shell. Heartland ECSI 's website is a shell. It looks decent on the surface, but I 'm skeptical at this point that they can actually process payments or have any backend system implemented ( maybe when someone submits a payment, the website sends an email, and they have a XXXX armed with a keyboard who manually does data entry of people 's bank / card information? ).
The XXXX browser adds warning messages that the website is loading insecure scripts. I tried XXXX, and XXXX, too. Red warning text appears everywhere to " enable popups ''. I have a checking account, but not checks, so I ca n't pay with checks. I do n't feel comfortable providing my financial information over the phone. Then again, one has to wonder if using ECSI 's website is any safer. If they ca n't even get basic things to work, how can students expect them to reliably safeguard critical and VALUABLE data.
I tried again on the XXXX/XXXX/2016, and my account was indicated " late '' / past due.
I tried again on XXXX/XXXX/2016 with all those payment methods above. This time, I am ATLEAST 2 months late. Why do I say 'atleast '? Well, it seems Heartland ECSI thinks I 'm on a monthly payment schedule and since my last quarterly payment was in XXXX, that 's now XXXX late.
My credit score is affected. Heartland ECSI is charging me late fees. Their " convenience fees '' are highway robbery. This is immoral. The university threw us to the wolves and pretended it 's not their problem.
|
| 12/01/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Only XXXX XXXX 2017 I received a letter in the mail telling me that My account was paid in full and that I no longer owed XXXX XXXX any further funds. There was a check enclosed for {$10.00} ( and some change ). I was leaving for vacation the following day and left the check and letter on my desk. On XXXX XXXX 2017, I Received a bill in the mail from XXXX XXXX stating that I owed them {$85.00} and that my previous amount was not paid. I called XXXX XXXX the following day ( XXXX/XXXX/2017 ) and explained to them that they had sent me a letter and that I no longer owed them anything and that now they were saying I did in fact owe them money. The Representative I spoke with told me of a XXXX program that would clear past late marks as long as I paid them back and never missed a payment over the next 9 months. I agreed to enter in the program under the condition that nothing done in 2017 would effect my credit negatively. The XXXX XXXX Representative told me that there would be no negative impact to my credit as long as I continued to make my future payments on time. I called the Heartland company who manages the account and set up an auto debt to take out the full {$30.00} on the due date every month.
Some time in XXXX I received a past due notice saying I this was my second warning and that they would report against my credit. I called the heartland company that sent me the mailer and they told me they do not handle that and that I would have to call XXXX XXXX. I called XXXX XXXX and they told me that that notice was a mistake, and that as long as I continued to make payments they would not negatively report against my credit.
I called XXXX XXXX a few days later to confirm the information I was told and for the third time I was told by XXXX XXXX that no negative marks would be posted against my credit as long as I continued to make my payments on time.
Around XXXX/XXXX/2017 I received a notice from XXXX XXXX that my credit needed my attention, after looking. I saw that my credit had been negatively marked by, XXXX XXXX and that XXXX points was taken away. I Called XXXX XXXX right away and their story suddenly changed to, " that is how the XXXX program works, it reports negatively against your credit until you finish paying us off and then we would clear all past due marks. '' I explained to the rep that I wanted to speak with a supervisor. The supervisor told me the same story, and then transferred me to a different supervisor, I explained everything to her as well and told her that XXXX XXXX was in violation of the Fair Credit Reporting Act by willfully reporting inaccurate information against my credit knowing full well that I was current and that I was making agreed upon payments and on time.
They transferred me to someone who worked for the directors office there, and they reviewed my account and came to the conclusion that they had in fact screwed up and they made me fill out a deferment form and then told me I could log on and pay resign up for the auto payments and they would remove the negative marks. I sent an email to them to find out how long it would take for them to remove the marks they wrongfully posted against my credit, and they told me it would XXXX months, when I explained that was unacceptable, and that I could n't put my entire life on hold because they screwed up and had done undue harm to my credit, and they did n't care, simply forwarded my email to someone else.
I have a letter from XXXX XXXX saying I was always in good standing and that I was never late in the months of XXXX and XXXX of 2017.
I would like some kind of speedy resolution to this issue, as this all transpired as to no fault of my own, and soon would wonderful, as I was trying to rebuild my credit to take out a personal loan to get my debt under control because XXXX XXXX and XXXX are charging me 10.75 % interest rates.
|
| 03/18/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Need information about my balance/terms
|
|
Web |
|
|
I writing because I believe that Heartland ESCI intentionally provides little and ineffective communication with borrowers that uses inappropriate messaging for their financial benefit.
My XXXX student loans from XXXX University were sold to Heartland ESCI. They have been in deferment for the past 2 1/2 years because I was in XXXX school. Consequently, it has been 2 1/2 years since I completed the exit interview for my XXXX student loans -- a long time to remember the intricacy of loans details. Six month after my XXXX school graduation, I got emails from XXXX about my student loans from XXXX school and XXXX. I have since been up to date on all payment. Since I had loans from both institutions upwards on XXXX on XXXX, I was wrongfully under the impression those were all my loans. Because I never received a notice from XXXX and Heartland ESCI a payment was due and their was huge lapse ( 2 1/2 years ) since I signed my exit interviews, I believed all my loans were in my Navient account.
Yesterday, I got an email from XXXX saying that I was past due on 2 months of payments of loans. This is the first time I received notification that I had payment due for those loans. I called the same day the email was sent. XXXX indicated the company ( Heartland ESCI ) they sold my loans to, had tried to reach me through email, phone, and mail. I only received one form of communication, email. I called Heartland ESCI to verify their records that those communications ( email/mail/phone ) were sent to me. Their were only records of dates for the mail ( XXXX in XX/XX/XXXX ) and email. I never received a phone call from them and they had no record they made any. As for mail, I moved in XX/XX/XXXX after graduation and had put a forwarding address. I am unsure why those correspondences did n't arrive to me, but supposedly they were sent. However, in the emails I received from Heartland ESCI, the subject line read 'Your electronic statement is ready ', but no mention in the entire email that a balance was due. I believe that Heartland ESCI did n't communicate the proper and clarifying information of what was needed of me to pay my loans because it in their interest for me to be delinquent in payment.
My situation is n't unique ; students accrue XXXX and XXXX loans with years between when they sign student loan contracts. That time lapse and other pressures like securing a job, moving after graduation, bills, etc are competing for student 's attention. It is irresponsible of Heartland ESCI to not communicate effectively that a payment was due in the channel of most responsive communication. I got an email from my university with the subject line XXXX STUDENT LOANS and responded in a few hours, because the messaging was direct. Based on the pressures of recently graduated students, data of how students communicate that Heartland ESCI and other lenders have, its well-documented data emails are the most effective ways to communicate with student loan borrowers.
What 's more, one can only start making payments on Heartland ESCI, if they make an account. If Heartland ESCI system recorded my payments were 'delinquent ' and that I had yet to make an account, why did n't they do their due diligence to send an email or notification to make this account like XXXX ? Also when trying to pay all balances due, Heartland ESCI tried to charge me a 6 % service fee! If I paid that every time, my student loan interest rates have effectively doubled. This does n't seem right and I know I am not alone on this! Consequently, Heartland ESCI proves itself to be predatorily set-up so that student loan borrower do n't get effective communication to stay on top of my student loans.
Both XXXX and Heartland ESCI reported to the credit bureau that I was delinquent, but I do n't think they a full account of the situation.
|
| 09/20/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
My loan servicer is XXXX XXXX, and the loan in question is my Perkins Loan. My loan was formerly with XXXX who then transferred my loan to XXXX in XX/XX/2018 without notice. My complaint is with the customer service and lack of communication I have been experiencing as I apply for my Perkins Loan cancellation for being a teacher at a low-income school.
In applying for my cancellation, I had completed Heartland 's forms on 3 separate occasions. The first time, I responded to an email received XX/XX/XXXX informing me that my Perkins Loan would be eligible for full/partial cancellation as of XX/XX/2018. I completed and submitted my cancellation form at the end of XXXX and received notice of receipt of my application by email on XX/XX/2018. About a month later when I didn't receive notification as to the status of my application, I called and was informed by a CSR that I had to submit my form within 30 days of my final day of work. My work contract ended XX/XX/2018 and I had completed and mailed my application on XX/XX/2018. Again a month later I had received no correspondence as to the status of my application, so I called. I was informed that the federal government had changed its policy and my application had to be sent AFTER a full year 's service. So, I completed the form again on XX/XX/2018. on XX/XX/2018 I received an email from Heartland informing me that my application was incomplete informing me that my employer did not put in the name of the school for which I work.
I called XXXX that same day to inquire how this was possible. I was informed by the CSR to call back the next day because she was unable to see precisely what the documentation was on my account. I called again the next day and was informed that the stamp didn't read clearly on my third application although it did read clearly on the prior two applications I sent in. I had asked to speak with a manager to understand exactly what it was they were seeing and asked to have a copy of this document sent to me via email. I was then informed that was impossible because XXXX 's policy is to shred the originals and only the staff who work in their processing department are able to access the records which are completely non-transferrable and inaccessible outside of that department 's database. I had also asked why I had needed to submit a formal letter with letterhead when the application does not state it as a requirement ( the school official who signed off stamped the application with an official seal ), to which the manager responded " It's for our records ''.
The manager offered to submit a ticket for the issue and said she would email me within several days as to the status of it. I agreed to her offer and repeated my email address to her. Over a week had passed and I had received no correspondence whatsoever regarding the issue, and so I had called XX/XX/2018. I spoke with the original CSR I had initially spoken with over a week prior and was informed that there was no record on my account to inform me of the status of the ticket issue. She also informed me that my request was deemed impossible to do. I asked the CSR to make note that I wanted contact by email stating exactly this. She agreed to do so.
The egregious lack of communication by my loan servicer is wholly unacceptable. Being told that certain documentation is for private company records and not a necessary requirement in order to receive a cancellation that I qualify for is also unacceptable. As of this date I have until XX/XX/2018 to submit my forms, which I intend to do, or else they will " regrettably be unable to give further consideration '' to my cancellation request. However, I can not escape feeling extorted and having my account held hostage by a company whose policies are as transparent as a brick wall.
|
| 06/29/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have been on an autopay plan with my XXXX loan servicer ( ECSI ) for years. ECSI offers a selection of calendar-based ( not due-date based ) payment dates : the XXXX, XXXX, XXXX, or XXXX. I had a previous experience with a late fee being charged when I had my payment date set to the XXXX ( my loan due date ) when the payment fell on a weekend, and although the servicer refunded that fee after several contacts with them and the school, I adjusted my payments to be withdrawn on the XXXX of the month prior to the due date to prevent this from happening again.
Now, after at least 2 years of consistent monthly autopayments, my autopayment date again fell on a weekend XXXX Saturday, XX/XX/XXXX ), and ECSI processed it as of Monday XX/XX/XXXX. When I noticed the next payment ( XX/XX/XXXX ) had been allotted fully to principal instead of having a portion go to interest, I contacted ECSI to find out why, and they explained that it was because my XX/XX/XXXX payment processed on XX/XX/XXXX, after my monthly statement date of XX/XX/XXXX. What ECSI did not explain at this time was that because of this, they processed the XX/XX/XXXX payment as an overpayment, instead of applying it to my regular monthly payment due on XX/XX/XXXX.
ECSI did not communicate that they processed my XX/XX/XXXX payment any differently than my usual monthly payments, and didn't provide any late payment warnings/notices. I only noticed they didn't apply my autopayment to my monthly payment due when I checked my payment history on XX/XX/XXXX, as I do with every payment, and noticed a late fee had been assessed.
I contacted ECSI to get an explanation of why my autopayment wasn't applied toward my monthly payment as usual and ask to get the fee reversed, but ECSI claimed they couldn't answer questions about payment processing or due dates, and I would need to contact my lender ( University XXXX XXXX ). The University 's Office of Student Finance representative understood what had happened and sent a ticket to ECSI on XX/XX/XXXX requesting the fee to be reversed.
On XX/XX/XXXX, having not seen the fee reversal noted in my ECSI account yet, I contacted ECSI to inquire about status and expected timeline of the ticket issued by my school/lender. ECSI acknowledged that they received the ticket on XX/XX/XXXX but it would take XXXX business days to process.
I checked again on XX/XX/XXXX, and ECSI stated tickets take 5-10 business days to process.
I checked again on XX/XX/XXXX. At this point, it was 11 business days after the ticket was issued/acknowledged as received by ECSI, and after I'd completed an ECSI survey about their live chat experience stating I didn't feel like my issue had been or would be resolved. ECSI stated that " the school never made a ticket ... '' At this point, my next monthly payment was due in 2 days ( XX/XX/XXXX ), and when I asked what I should do to get the accurate and updated loan amount prior to my payment while avoiding an additional late fee, ECSI vaguely responded that only the school can give permission for " that '' ( what? ) and you can follow up with them tomorrow.
ECSI did not proactively disclose when processing autopayments in non-typical ways ( ie as an overpayment, rather than monthly payments as had been the case for multiple years prior ). ECSI didn't have the knowledge required to respond to loan processing questions or resolve issues and had to refer me to the lender for information. When the school/lender created a ticket for ECSI to resolve issues, ECSI lost/denied the ticket. Collectively, ECSI 's actions or lack of action caused fees to be incorrectly incurred, and made the resolution of those fees unreasonably difficult, including not responsibly handling tickets in a timely manner before additional fees would be incurred.
|
| 02/06/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am a XXXX XXXX woman who has dedicated my life to servicing my community through ministry and health awareness. I participated in XXXX XXXX vocational classes in high school, attained a XXXX XXXX XXXX XXXX in XXXX at XXXX University for XXXX and gained my XXXX XXXX XXXX through Gods grace. After interviewing twice for a XXXX XXXX job at XXXX XXXX XXXX XXXX XXXX ( XXXX, MS ), I was told to call back if I ever decided to go to XXXX school. Upon acceptance into XXXX school, I was presented with the XXXX assistanceship program. This opportunity would pay for the 3 years of tuition in return for 5 years of work at one of the many XXXX XXXX XXXX locations.
I was overwhelmed and skeptical. The contract was very ambiguous and made no mention of salary details. Upon inquiring about salary, I was reassured that nothing would be deducted from my pay and I would be offered a competitive salary of at least $ XXXX. I considered this opportunity to be a blessing signed the contract. Looking back, the contract made no mention of a time frame for a job offer to be made, a less than competitive salary or a bi-weekly undisclosed fee that would be taken as repayment.
While in XXXX school, I reached out to my contacts several times to express my intention of working for XXXX. The correspondence generally resulted in implications that there would probably not be any open positions. Immediately after graduating and attaining licensure, I immediately reached out to my contacts and told them I was ready to work. After not receiving any correspondence for a few weeks and expenses climbing, I sought other employment. It was only after securing other jobs that I was offered a job at XXXX with all the undisclosed stipulations and terms. I decided to work for another organization and to repay XXXX for the tuition costs that were paid on my behalf.
The sum was turned over to a loan servicer called XXXX XXXX. The payments began XX/XX/XXXX and quickly became overbearing. The sum was split into 2 separate loan payments to be paid simultaneously with different maturity dates simply because the loan servicer had, never incurred such a large sum in their office. One loan totaled at {$1600.00} per month with a maturity date of XX/XX/XXXX and the other loan totaled at {$1800.00} per month with a maturity date of XX/XX/XXXX. The terms were never presented to me in writing and seemed to change depending on who I could talk to at the loan servicer. The loan servicer representatives gave me a single contact at the XXXX headquarters with whom I was supposed to discuss terms and agreements. Unfortunately, the contact was a dead-end phone number to random nurses desk who never answered or returned voicemails.
After numerous requests from XXXX to XXXX, I did not receive any returned phone calls or written correspondence other than from the loan servicer demanding payment. I could only afford to pay one of the XXXX loans a month ( in addition to other student loan payments and living expenses ) so past due amounts were turned over to a collections agency called XXXX and XXXX which effectively ruined my credit.
It was only after sending a certified letter to XXXX XXXX XXXX president XXXX XXXX on XX/XX/XXXX that I received some correspondence. In the letter I asked that the larger loan be put on hold until I paid off the smaller loan. The terms were agreed upon but sums are being continuously being turned over to XXXX and XXXX in spite of my holding up my end of the agreement.
I am at a financial standstill. I am being denied credit approval for everything from purchasing a home to in-store furniture purchases. What can be done so that my credit can be revived and the financial burden be lightened?
|
| 05/21/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Hi!
In a nutshell, I have a small Federal Perkins Loan that has not been dealt with properly!!
I graduated college in XX/XX/XXXX - Had a deferral. Enrolled in XXXX school and rec 'd another deferral.
Sometime in XX/XX/XXXX/XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX University saying they were no longer servicing the Federal Perkins Loan and that the loan was being sent to the government, and that a new servicer would be assigned.
I NEVER RECEIVED a single bill for the loan after it was re-assigned to government ( after my school stopped servicing them ) and then in XX/XX/XXXX, I received a credit alert showing I had a delinquent account. There was no contact info just a credit hit saying I was 90-120 days late. My credit score dropped dramatically!
XX/XX/XXXX - I received a letter ( dated XX/XX/XXXX ) from ECSI saying my account was 105 days past due, and that I had THIRTY DAYS TO DISPUTE.
XX/XX/XXXX - I contacted ECSI. I was advised that everything would be fixed. I was told to submit a forbearance request and date it from XX/XX/XXXX to XX/XX/XXXX, and that once it was rec 'd, it would be processed and my credit would be fixed.
XX/XX/XXXX - ECSI rec 'd my forbearance request ( within 30 days of XX/XX/XXXX ).
*I overnighted this and the USPS tracking number is : XXXX XXXX XXXX - ECSI sends my debt to the 'Default Resolution Group '. I am told my forbearance request arrived after 30 days ( ECSI tell me XX/XX/XXXX to XX/XX/XXXX is 30 days ; XXXX had 28 days and it had not been 30 days!!!!! ) *I was not notified that my debt was sent to the govt ' until way later. Please read on!
I was not even able to pay online because ECSI had never sent me a PIN and ACCOUNT!!!!!
XX/XX/XXXX - I receive a letter from the Dept. of Education c/o 'Default Resolution Group '. It said my debt had been transferred to them.
XX/XX/XXXX to XX/XX/XXXX - I call and call 'Default Resolution Group ' and ECSI . I am told that if my forbearance was rec 'd WITHIN 30 days of my ECSI XX/XX/XXXX letter, that I need to ask ECSI to 'recall ' my loan and retroactively add the forbearance.
*I spoke to someone, they said they would transfer my request to someone that handles recalls!
XX/XX/XXXX - I rec 'd a letter from ECSI saying my forbearance was DENIED because 'it was sent to Default Resolution Group '.
Between XX/XX/XXXX and XX/XX/XXXX - I have been given the runaround from everyone! ECSI says that XX/XX/XXXX was 30 days!!! The Default Resolution Group tells me I need to pay of risk having my wages garnished.
This is XXXX!!
XX/XX/XXXX - I am told that my credit can be fixed, that I need to do a 9mth payment plan 'rehabilitation ' and then my loan default will be removed as if it NEVER happened, provided I make 9 payments.
Well!! The government said I make too much and they would not let me get on a payment plan. They said I have to dispute this with the credit agencies. They only verify the debt and do not handle all the issues I am telling the CFPB about.
XX/XX/XXXX - Submitted complaint to CFPB because I NEED HELP!!!!!!!
From XXXX to XX/XX/XXXX, I never received anything!!! I have accounts with XXXX, XXXX XXXX XXXX, and XXXX XXXX. All of my student loans have always showed up and I pay all my other student loans on time.
Please help me get this fixed. I was never notified of my debt, never notified HOW TO PAY IT, I disputed within 30 days, and yet I continue to get the runaround and live with the stress and embarrassment of having my wages garnished for something I WAS NOT LATE ON!
Please, please, please help! Thank you!
|
| 02/20/2017 |
Yes |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
RE : URGENT FOLLOW UP : What is being done about my Consumer Financial Protection Bureau Complaint Made Several Times Online at cfpb, XXXX Complaint *REPLY REQUESTED URGENT FOLLOW UP : What is being done about my Consumer Financial Protection Bureau Complaint Made Several Times Online at cfpb? As your records will show this has been an ongoing complaint and dispute for years now, and several dozen or more complaints between myself, XXXX and the administration of XXXX, XXXX over an ill delievered, unknown, out-of spight, bad information given, financial hate crime, unforgiving private student laon as I discovered way later after graduation. XX/XX/XXXX, XXXX/ecsi billing statement ONLY ONE AND A FIRST : Accepting a fraction payment of {$140.00}, I mailed by USPS certified mail deliver {$140.00} and emailed XXXX Chancellor, Bursar and XXXX ( XXXX ) Board a message stating {$50.00} to {$80.00} was manageable, maybe {$100.00}, max to {$150.00} but that being less than {$100.00} a month in payments would be a financial strain with all other bills, including federal student loan payments, insurances, medical, housing, transportation and other neccessity miscellaneous bills. XXXX, a XXXX Administrator, at the time, Asst. Director of Financial Aid who chewed me out and at least in part or by large issued me the private XXXX student loan. *See entire complaint with all emails, cfpb online complaint web forms, records and attachments in full. Please read all of this, awareness is so important. Subtle racism, given a private loan out of sight, when I qualified for more, disgraceful. XXXX continues to put up a fake front on racial fairness, no equality of course. I 'd first like to say to Chancellor XXXX, of XXXX ( where 's the ethical fairness? ), I have had so many XXXX, XXXX and unjust worries and dread, not to mention all else. I am again writing you asking you and the XXXX and XXXX Administration whose at fault to DISMISS and CANCEL the XXXX Loan of which I was treated with scorn, disgust and disdain and now I am still being tormented and harassed with by XXXX Administration. It is fair, maybe obvious to say, XXXX very likely, would never allow me to be a part of it, citing reasons, or whatever have you. This is totally ridiculous seeing The XXXX, XXXX administration in large part of those who have been in charge of my circumstances are largely, without moral and ethical integrity, I believe it is fair to note that.
Obviously, complaining continuously about their ill delivered and faulty issued student loan, even with just cause, certainly will not endear them towards me. To date, I have had no ZERO reply from XXXX ' Chancellor XXXX. Administrators at XXXX tried to discourage me from the very beginning now looking back to even enroll as a student at MY BELOVED XXXX, The XXXX. NOW they offer me a seemingly ( though I must seek details ) CRAPPY PAYMENT plan on their ill issued student loan after all their torment, discouragement, disdain, scorn, lack of opportunities, hope to break all ties with me and harassment. YET, XXXX ' demands I PAY UP!!! On a crappy student loan they deliberately gave me. See the very bottom of this email for a copy of Wednesday, XX/XX/XXXX 's message from Heartland ECSI, XXXX student loan servicer.
XXXX CHANCELLOR 'S ALLOWANCE OF RACISM, AND FRAUD TOPPLED BY THE STATE 'S OWN CRIMES AND CORRUPTION WHICH IS FAR AND WIDE SPREAD, DEEP THROUGHOUT " XXXX '' : The XXXX, better known as XXXX ' Faulty Issued Loan, After a Request for Federal Student Aid, and XXXX Received Treatment of Me By Many XXXX Staff and Faculty.
|
| 05/23/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
Hello, I received an email after attempting to get a copy of my transcript from the time that I attended the XXXX XXXX XXXX. I am confused as to what this was about. My name while I was attending XXXX was XXXX XXXX XXXX, but my legal name is XXXX XXXX XXXX now as I am XXXX XXXX XXXX and have since legally changed my name. I am needing to get my transcript as that is needed for me to apply for potential jobs ( I have a degree in XXXX XXXX is essentially a XXXX XXXX degree with more XXXX due to me having difficulties with passing two courses that were only offered once a year ). I have been working XXXX XXXX jobs since graduating and I have been making under $ 25K a year, for me to potentially get a better job and start a career in XXXX, I need my transcripts. I also will need to get a new diploma in the time being due to my legal name change and have it reflect my current name instead of my XXXX name.
Hi XXXX, XXXX XXXX XXXX has placed your XX/XX/2023 order on hold, Document ID XXXX
In addition, the following comment was provided : We are unable to process your transcript at this time due to a financial hold on your record. For more information about this hold, please contact the Student Financial Center by calling XXXX or emailing XXXX. When your hold has been resolved, contact Academic Records at XXXX so we can process your request.
Please let me know why this is being withheld.
Thank you, XXXX XXXX Hi XXXX, XXXX XXXX XXXX has placed your XX/XX/2023 order on hold, Document ID XXXX
In addition, the following comment was provided : We are unable to process your transcript at this time due to a financial hold on your record. For more information about this hold, please contact the Student Financial Center by calling XXXX or emailing XXXX. When your hold has been resolved, contact Academic Records at XXXX so we can process your request.
We will email you again when this order is approved. However, we recommend that you contact XXXX XXXX XXXX if you do not hear from us soon.
Good afternoon XXXX, We received information from the Student Financial Center that you were inquiring about a hold on your account that is preventing you from getting your transcript.
Your seriously past due XXXX loan was submitted to the Department of Education earlier this month ; however, we have not received confirmation that the loan has been accepted. Due to this, we will not be able to lift the hold on your account until an accepted notification is received.
Please do not hesitate to contact us if you have any questions. Have a great day!
Student Loan Services XXXX XXXX XXXX XXXX XXXX XXXX Room XXXX XXXX, OK XXXX Phone : XXXX Fax : XXXX Email : XXXX Thank you, The XXXX XXXX XXXX XXXX into Opportunities It appears as though my University is refusing to give me a copy of my transcripts, which I have not requested from them before, due to a XXXX loan that I took out with them back when I was still attending school. They are refusing to give me an official copy of my transcripts, and without it, due to me having a different than normal degree means I can not apply for jobs that match skillset I have without it. Not having access to my transcripts have cost me untold thousands of dollars that I could have been making up to this point with my knowledge and skill set in XXXX XXXX. Instead, I have been working odd job dead end XXXX XXXX jobs that do not pay very well and has made being able to live close to impossible while also attempting to cover all my student loans, my car payments and just the basic needs that I have as a XXXX XXXX
|
| 01/27/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
CFPB Team : I am writing you to submit a formal complaint directed at the servicer of one of my student loans. The servicer in question is Heartland ESCI, XXXX ID XXXX. The loan is a XXXX loan with an original balance of {$5500.00}. The loan, along with several other student loans, has not had payments made due to my grace period + COVID forbearance.
I was made aware of an issue on XXXX where a third-party credit service ( XXXX ) notified me that one of my accounts was in derogatory status on my credit report. This resulted in a 40-50 point drop in my score right as I'm trying to purchase a home. When I looked into the issue, I did not recognize the name of the loan servicer and initially thought it might be fraud as I recently experienced a break in. I checked the third-party site and it appeared to be related to a student loan.
Earlier today ( XXXX ) I logged into the XXXX XXXX XXXX portal and viewed my dashboard. All of my loans except one ( the one in question ) are federally held and thus in forbearance. The other is a XXXX XXXX XXXX issued by the XXXX XXXX XXXX, XXXX ID XXXX. The portal noted that my loan status had changed on XX/XX/2021 to Repayment.
The basis of my complaint is that the new servicer, Heartland ESCI, failed to notify me that they were now my servicer and that I had entered repayment. The XXXX XXXX XXXX similarly failed to notify me that my account had been transferred and that it would go to repayment. I have received no correspondence, written or digital, from either party regarding this account. The first I was notified of a status change was when the account had already been placed in derogatory status.
As soon as I learned that they held my loan and that it was considered derogatory, I made two separate payments : 1 ) Payment of {$240.00}, which was the " delinquent '' balance on my loan + their {$.00} convenience fee. 2 ) Payment of {$5300.00} + their {$.00} convenience fee. This satisfied my account balance in full. I will obtain a Paid in Full letter from Heartland ASAP and add it to this inquiry. I have attached screenshots of the payments for now. I paid the account in full to immediately demonstrate my good faith and that I was not a delinquent borrower ; I simply did not know that the status of this account was changed and allege that the servicer Heartland ESCI failed to notify me most likely through negligence.
Additionally, I attempted to call Heartland ESCI to discuss the issue and could not get through. I was able to reach a representative through online chat. Once I made my request and frustration known, I asked to speak with an escalations manager. They promptly told me to try calling later and ended the chat, refusing to engage on the issue whatsoever.
I have opened up disputes with each of the three bureaus and am writing letters to the XXXX XXXX XXXX and to my congressman, XXXX XXXX WA XXXX XXXX to similarly describe the issue.
Please review the attached supporting documentation where I have included records of my payments and my conversation with ESCI support which was remarkably unhelpful.
Attached : 1 ) Chat Archive with Heartland. 2 ) Documentation of Payment 1. 3 ) Documentation of Payment 2. 4 ) My balance on Heartland 's Portal so you can see I have satisfied the balance in full. I will update this request with the Paid in Full letter ASAP.
Please let me know if you need anything else to assist. My objective is simply to successfully dispute this item on my credit and assistance form the CFPB will be invaluable.
All the Best, XXXX
|
| 12/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
I mailed ECSI on XX/XX/XXXX to explain that I had paid my loan in full on XX/XX/XXXX and should not be getting these bills even though they were {$0.00}. I do not see why my information and loan should still be with them. I explained that on XXXX I negotiated the debt amount to {$1300.00}, which was lower than the lawyer debt collector 's initial requested amount of {$1500.00}, because I was willing to pay in full at the time since I found out that government student loans are perpetual unless I pay them in full. I also had a full time job, good credit, and money to pay it off. The new amount of {$1300.00} was calculated by subtracting additional interest of {$240.00} that may have accumulated if I had decided to paid it monthly. I send a copy of the lawyer 's original letter of debt collection and my credit card statement showing my payment to ECSI. The lawyer at the time did not send me a physical letter of final receipt, so I was unable to provide a copy of that. Also any email records I had 7 years ago was probably lost when I was suddenly laid off in XXXX since it would've been on my work email.
On another note, I am currently filing a complaint on this lawyer, who took my money on XXXX with the Disciplinary Board of the Supreme Court of Pennsylvania on the lawyer 's failure to update the status of my loan, credit report, as well as, I requested they send me another copy of the receipt of my payment in full. I believe this lawyer was legitimate since he showed me paperwork of my loan at the time. Therefore my willingness to pay the loan in full means they should have done their part in reporting it's payment in full and updating all my records.
I explained to the ECSI 's employee that it's illogical that I would purposefully leave alone the difference of {$240.00} when I was willing to pay in full the amount of {$1300.00} for a {$750.00} Perkins Loan. And if I had not paid in full at the time to the lawyer, he would have already brought me to court for collections or continue to bill me, and charge me collected interest for the next 7 years, which they did not do because I had paid my Perkin Loan debt in full already.
The person on the phone at ECSI ask me to contact the XXXX University the school of the loan I owed when it defaulted on XX/XX/XXXX, but the school has been closed since XX/XX/XXXX! It no longer exist. I instead emailed the current college in the same location called XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX with my paperwork, but they have not answered me.
However, what was once a {$0.00} due amount bill sent to me on XX/XX/XXXX by ECSI is now suddenly charging me {$370.00} on a bill sent to me on XX/XX/XXXX. I had only contacted them to tell them this loan has been already paid in full and to remove me from their account, but instead they suddenly created a new amount to charge me some random amount! I do not know where they got this amount from? I immediately requested the person on the phone for ECSI on XX/XX/XXXXXXXX XXXX XXXX for all my paperwork to show they have proof of this amount break down. It is weird that I was initially billed {$0.00} dollars and now they are billing me some random amount stating I still owe principal and interest. Is this even legal to make up a random amount to charge me? They have not mailed me the paperwork yet, but I am expecting it next week if it does come. Nevertheless, I feel that this is really suspicious since I was originally billed {$0.00} just a few months ago. It feels scam-like.
|
| 10/05/2016 |
No |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
I have been having problems with the company that is collecting my XXXX loan since I entered in to repayment status. I have been given the run-around with how to make payments over and over. My account is being handled by Heartland ECSI. My account is billing with a {$90.00} installment due quarterly. I have been trying to pay this account monthly and each time I contact Heartland I 'm told something different on how to set this up. I tried setting up auto-withdraw installments to come out quarterly for the bill amount due of {$90.00} online. Everything seemed to be squared away, then {$90.00} started coming out of my account monthly and I was told I could n't be refunded for the extra payment and it could n't be applied to my next payment. I had to call several times to " correct '' this problem and eventually a customer service representative set my account to withdraw {$30.00} a month which would equal the {$90.00} quarterly installment. When the first installment did n't come out of my bank account I check my loan account and I had received an NSF fee and my payment came back as unpaid. I contacted my bank since I had money in my account for this payment and they said they never received a draft request. I tried to contact Heartland and was put on hold for over 45 minutes so I contacted my school, where the loan was distributed. They could not figure out what was going on at first and actually had to work on it and call me back. I was being charged extra fees by Heartland above what the NSF fee and late fee should have been and they could n't figure out why the draft did n't get paid. My school eventually discovered that the customer service person had entered my account info incorrectly and worked everything out taking off the NSF fee and letting me make a payment with them over the phone. I was never told why Heartland was trying to charge me extra fees in the first place but they had been taken care of so I was n't too concerned at this point. My school stated that Heartland was very difficult to work with and they were n't sure why they are using them as a collector. After receiving several other weird statements and bills and making several other phone calls with Heartland trying to set up a monthly payment that never really happened, I decided to try it again on my own online and go back to the {$30.00} a month plan that customer service had told me to do if I wanted to pay monthly. I had a payment due XXXX XXXX and missed the date to get an XXXX installment withdrew so set up for XXXX and figured I would just change to {$60.00} for XXXX XXXX withdraw and change back to {$30.00} after to make sure the {$90.00} was paid on XXXX XXXX. I logged back in to my account after the payment went through to change back to a {$30.00} installment and see that my account shows I have {$30.00} still due. I contacted Heartland to make sure this would be updated and was told that my {$30.00} would not be applied to by XXXX payment, that I still owed {$30.00}, and that no one had ever told me that it was OK to make {$30.00} a month payments. I asked for my payment to be returned then so I could " repay '' the {$30.00} due and it would be applied to my bill and was told I had to contact my school. I have not yet contacted my school but was told last time I had to contact them that they do not handle the payments and that Heartland has to offer me a monthly auto payment method and I am at a loss to how they can take my money but not apply it to my payment due???
|
| 10/13/2016 |
No |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
Regarding Heartland ECSI 's administration of a Federal XXXX Students Loan on behalf of the University XXXX XXXX.
In XXXX 2016 Heartland ECSI acquired my XXXX Loan. I made numerous attempts to contact Heartland ECSI, in order to pay the amount due. Each attempt failed. I was told that " Heartland ECSI required up to three months to process new account information and that clients are unable to make a payment during that time ''. During this time, Heartland continued to charge accumulative interest.
In XXXX 2016, I received a bill for the months of XXXX and XXXX for the amount of {$400.00}. Prior to Heartland ECSI, my monthly payment was {$70.00}. I called Heartland ECSI to report the incorrect billing amount and was told to contact my university. I sent several requests regarding the incorrect billing amount -one month later the problem remains unresolved. Furthermore, I received a XXXX bill for an additional {$410.00}.
Also in XXXX 2016, I called Heartland ECSI to determine how I can pay my monthly bill. I was told, " there is a {$10.00} fee to pay by phone, there is a {$10.00} fee to pay by mail, there is a {$0.00} - {$1.00} fee to pay by debt card or credit card online, there is no fee to pay by automatic deduction ''. I signed up for automatic deduction however my request could not be processed until XXXX XXXX, 2016. Again, I was charged accumulative interest during this time.
In XXXX, I received an email stating that, " Heartland ECSI reversed payment for the following reason : XXXX Non-Transaction Account ''. I called Heartland ECSI three times and spoke with three different individuals on the morning of XXXX XXXX, 2016. The following occurred : The first individual informed me that a " Non-Transaction Account '' meant that my routing number or account number was incorrect. I was charged a {$15.00} fee. Heartland advised me to confirm online my bank account information. It is not possible to view confirm your account information online.
The second individual informed me that it was not possible for the company to confirm my account information. My request to speak to management was denied. I informed Heartland that I would like to close the account by paying in full. I was informed that I can do so by via debt card with no additional fee.
When I entered my debt card information online, Heartland ECSI would not allow me to pay the full amount of {$5100.00} because of a " {$5000.00} maximum rule ''. When I tried to pay the {$5000.00} maximum, Heartland attempted to charge a fee of {$190.00}. This brought the total amount charged to {$5100.00}, more than the actual loan and breaking the maximum rule.
The third individual informed me that only direct withdrawals with routing numbers made can be placed without a fee. Again, my request to speak to management was denied. I informed the individual that I would like to pay my account in full. I provided her with my routing and account number. When I asked her to confirm that amount of the transaction, she tried to change me for only the current balance in an attempt to keep my account open and therefore continue to change interest. Again, I requested that management contact me.
Heartland ECSI 's practices are unfair, abusive and deceptive. The company purposely provides clients with false information, creates unnecessary and time consuming procedures which are intended to delay payment and therefore increase revenue, and refuses to provide access to management.
|
| 12/18/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XX/XX/19 - After initiating contact with XXXX XXXX XXXX XXXX student loan department, I was informed that my Federal Perkins loan in default status, which " accelerates the loan, which requires for the borrower to pay the loan in full ''. The XXXX loan representative directed me to the servicer, Heartland ECSI, so that I could inquire about the loan balance & reverse loan acceleration.
XX/XX/19 - Heartland ECSI informed me that because the account was past due, it would not be able to reverse acceleration. XXXX XXXX representative confirmed the same and then directed me to set up payments with a separate collection agency, XXXX XXXX.
XX/XX/19 - I received a 'Federal Perkins Loan Rehabilitation Agreement ' letter from XXXX XXXX which outlined the loan rehabilitation process & indicated a total due amount of {$3100.00}, with {$2400.00} in principal. This agreement also had several errors, including invalid payment due dates ( due dates were set on the XXXX of each month ) and the incorrect number of total payments ( 8, as opposed to 9 ).
XX/XX/19 - I sent an email asking for clarification on the invalid figures above.
XX/XX/19 - XXXX loan representative confirmed that the XXXX XXXX entered the invalid information and would send me a revised agreement. The XXXX representative also directed me to inquire about postponing the start of the rehabilitation process, since the XX/XX/19 rehabilitation agreement indicated the first payment was due on XX/XX/19.
XX/XX/19 - I received a second letter itemizing this account. This letter showed a total due amount of {$2400.00}, with {$1900.00} in principal, which conflicted with the itemization I received on XX/XX/19. XXXX sent me a revised Loan Rehabilitation Agreement, but the first payment due date was still set to XX/XX/19. Due to the 20-day grace period for payments, I signed the revised Loan Rehabilitation Agreement and emailed it to XXXX.
XX/XX/19 - I sent emails to both XXXX & XXXX XXXX regarding the discrepancies for the loan 's balance, which went unanswered.
XX/XX/19 - I made my first payment and emailed both XXXX and XXXX requesting a signed copy of the Loan Rehabilitation Agreement, but both entities declined my request for a signed Loan Rehabilitation Agreement.
XX/XX/19 - By this date, 7 of 9 rehabilitation payments were made. I requested a payment history from XXXX XXXX.
XX/XX/19 - XXXX XXXX sent me two payment history reports. Both reports seemed to pertain to this account, but there were major discrepancies between the two reports. For example, the dates of all payments differed between the two. Additionally, the amount of each payment allocated towards accumulated interest differed as well.
XX/XX/19 - I received a letter from Heartland ECSI, RE : Tax Offset for Student Loan Debts Owed to the University of XXXX. This mail informed me to make a payment online at Heartland ECSI 's website, which I was previously informed was not an option.
Until I received this letter, my understanding was that I had been making regular payments on the account - I had already made 7 on-time monthly payments to XXXX XXXX. I realized I had no real grasp on the state of this loan.
This Heartland ECSI letter reports a Payoff amount of {$2100.00}. The original loan principal was {$2400.00}, and I have made {$1100.00} in payments to date. I am devastated that this payment amount only reduced the remaining payoff amount by less than {$300.00}.
|
| 06/09/2022 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I started the process to receive loan cancelation with ECSI ( XXXX ) loan servicer on XX/XX/22. I reached out directly to their customer service to clarify what I need to do and submit to receive the credit for working a teaching position that qualifies to cancel my loan. I have a loan called the XXXX loan through XXXX and if you teach at a public school then you can get your loan cancelled overtime.
I also worked directly with XXXX and XXXX representatives to clarify the paperwork was done correctly. They stated through email and chat, that it was in fact. Moving forward a few more weeks and the paperwork was rejected. I followed up with ESCI directly, as they were the ones that told me how to do it and then turned around to reject it. They told me they told me the wrong information and that what they're telling me now is in fact correct.
I went ahead and fixed what they told me to do and submitted again. They rejected it once again and told me again through chat that they gave me wrong information again. At that point I contacted XXXX directly through their XXXX department and received no response until about 4 months later ( present day ). I explained to XXXX the same situation in the original email and told them ECSI gave me wrong info and then denied my loan based on their own instructions.
I finally was able to reach a real person on the phone and they told me how to fix the paperwork. I resubmitted and it was soon rejected again. When I called back I asked for a supervisor. The supervisor apologized and told me it was on them again. She told me exactly how it should be done and that if I submit, she will personally get it processed. From there it was again rejected. This was all taking place over the course of 4 months or more, all the rejection and back and forth.
I emailed the supervisor and she stated in emails that it looks perfect, that it was finally done correctly. She said it was submitted and approved. That the changes will take effect shortly and there is nothing more for me to do other than complete my contract with the school I was working for. I completed the contract and followed up with XXXX, as the status for my loan cancelation AND my deferment was not completed. I was originally taking care of both documents at the same time, as I am in my masters program and teaching. So I am entitled to the payments to be paused and the loan to be cancelled for the half year I have completed.
I reached out to XXXX again in their XXXX department to alert them that a supervisor told me in writing after five or more submissions that it's still not done. The last time I spoke to ECSI ( last week ) they told me again they made a mistake and that a ticket will be created. Well XXXX reached out to them finally and they told XXXX false information about my contract, they lied about dates I put and did not own up to their mistake. Placing all blame on me.
Though it will take some time to gather, I have most of the emails, screenshots and evidence of every time ECSI falsified information to me in order to prevent me from cancelling my loan or postponing payments. They've broken the contract I've signed at this point by purposely preventing me from receiving what was promised and I myself have held my end, which was XXXX XXXX XXXX XXXX XXXX XXXX XXXX Plus I started my XXXX, which they and XXXX at XXXX told me would qualify to have my payments paused till I complete the coursework.
|
| 09/19/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
My Perkins loan was taken over by Heartland ECSI in the beginning of this year. Before that it was serviced by XXXX XXXX and I had no problems with it, paying quarterly as per terms.
As soon as Heartland took it over, I was sent an email in XXXX saying the loan was past due, which was the first time I had ever heard from them, and was not true. I was sent a follow up email a few days later saying the previous email was sent in error. After I set up my account and checked, I made my quarterly payment on XX/XX/2018 due in XXXX or so to get ahead of it.
From then on I received no correspondence or letters, even though my address, phone number, and email were all current. What I did get was an alert that a negative item was added to my credit reports on XX/XX/2018 saying the account was 60 days past due ( which doesn't make sense since I made a payment in XXXX ). At this time I checked my account and saw that it had no past due notice ( please see the attached pdf, page1 ). When I clicked into the account details, it also said nothing about being overdue and next payment was due XX/XX/2018. ( page 2 ).
Checking the other details, I saw no records of any previous billing statements. All the payment was either not correct ( some screens said the payoff amount was {$1800.00} and others said {$1900.00} ). One page had XXXX for principal owed and paid even. Nothing was correct here ( pages 3 & 4 ) I tried to contact customer service but was not helped very well at all and instead was deferred to a different department and told they can only be contacted by phone, of course the hours were not convenient to my work schedule or hard to get a hold of. I tried contacted customer service again and again deferred to a phone number to call. You can see some of the chat log from the first conversation I had.
During that time I tried to make payments to update the account but had any number of problems doing so ( it wouldn't take my bank account info or reset the information ). I had made a payment before, I couldn't understand why it was so difficult at this point. I finally got a payment to go through on XX/XX/XXXX, for {$280.00} AND set up automatic, recurring payments so this would not happen again ( see page 8 ). I received an email a few days later saying the payment was rejected, then yet another one saying the payment was reversed because " Unable to Locate Account. '' ( page 9 ) At this point I checked the account and all I could see was the this strange account info ( page 5 ). I could not make any payments and all the info was completely off now, saying the principal owed was {$100.00}. It showed that I made a payment XX/XX/XXXX as well. Again, other info was all XXXX or very wrong. ( page 6 & 7 ) At this point I wanted to pay off the loan in full but I could not contact them. I tried finding email addresses to contact but only found one, and was given a reply that Heartland does not do any business regarding Perkins loans over email.
After this exchange I checked the National Student Loan Database and discovered that the loan had already been to the XXXX XXXX XXXX XXXX XXXX on XX/XX/2018. I was never informed this would happen in any way, again all my information was current and correct. Now that account is reflected on my credit report as well.
|
| 11/02/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
XX/XX/2019 To Whom It May Concern : I, XXXX XXXX XXXX, would like to complaint about a financial fraud and harassment by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ).
I am currently a XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX. I have received an email from our departmental secretary that contacts from XXXX XXXX XXXX were making urgent requests to speak with me in my place of work.
This harassment began several months ago when I received a letter from XXXX XXXX XXXX indicating that my loan had been sent to them for collection. Although currently a moot point, I continue to believe that the loan transfer to collection was an unjustifiable and erroneous act as I had aptly applied for a loan consolidation. Besides the point, the bill that I had recieved indicated they are charging me approximately {$4000.00} in fees and {$3000.00} in interest to a grand total of {$12000.00}.
Being a full-time resident, I am in a XXXX more than 10 hrs per day, almost 7 days a week with no ability to supplement my current income, which barely covers living expenses, I obviously need to address the accuracy and legitimacy of the fees and interest. Because of my financial limitations, and difficulty in pursuing this matter during normal working hours, I gave my mother permission and authority to assist in rectifying this matter. Despite being a single-mother with her own work obligations, she has continued to assist in trying to bring this issue to a resolution.
Because I made the consolidation of all my loans, she has been trying to contact my XXXX school ( University of XXXX ) and loan company ( Heartland ECSI ). Unfortunately, all our efforts have not been successful, as the phone call would be directly transferred to XXXX XXXX XXXX.
My mother and I attempted to ask for detailed billing inquiry regarding this collection and there was no answer. On XX/XX/2019, I sent a certified letter to both the XXXX XXXX XXXX XXXX. and Heartland ECSI and formally requested the detailed billing and explanation of the fees and interest. We however did not receive any answer. What we have received from this company is continued harassment via incessant phone calls, and attempts to contact younger siblings not at all involved in the matter.
I firmly believe that this continued harassment is their attempt in trying to make me and my family frustrated so I would give up and pay them this money. At this point, I I am reaching out for your assistance because of my grave concerns regarding the efforts of XXXX XXXX XXXX to affect my reputation and future in my place of work and training.
My mother and I have are trying to hire a lawyer to assist with the matter, as I have even begun to question every facet of my loan consolidations, the college loan departments involved, their billing practices, and the continued harassment.
As a hard-working American citizen, who appears to be facing the consequences of pursuing an advanced education in our complex and often unforgiving system, I kindly ask for your assistance in regards to this matter. Thank you for your time, and I look forward to hearing from you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX XXXX XXXX ( mother ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
|
| 10/31/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Some time between XXXX XXXX and XXXX XXXX, XXXX, I contacted Heartland XXXX about overpayments on my student loan. In approximately XXXX of this year, I had made a large payment to one of my loans that had just come out of deferment due to grad school. I only intended this to be a one-time payment to take care of some outstanding amount on this loan, but XXXX wrongly created a recurring payment where I overpaid a {$340.00} monthly payment by {$300.00} each month for four months. I noticed this problem in late XXXX after receiving overdraft fees from my bank and signing on to all my loan services to determine how my finances became depleted. I called the company to rectify the problem.
After an initial conversation, XXXX said they would apply credits for the overpaid amount ( I believe {$1200.00} ) so that I would not have to pay for the next three months and would pay a smaller amount for the fourth month. I began to notice that this credit was not being applied about a week or so later. XXXX stated that I should contact my school, but when I repeated that ECSI had agreed to simply credit this amount, they agreed and said the credit would be applied that day or within 48 hours.
This pattern occurred at least five times as I contacted XXXX every week and at times multiple times a week. On XXXX XXXX, I received a phone call from XXXX stating that they could not apply the credits because I had not " double paid, '' even though I had paid nearly double on my loans through their autopay error. Because it was n't a solid double amount, they stated they could not credit my account. After talking with a representative named XXXX for one hour, he created a spreadsheet to handle the overpayments and agreed that the matter would be handled that day. A short time after that, team lead XXXX called and repeated that this was not possible and that all the previous reps I spoke with were mistaken about XXXX policy. I spoke with her at length about how XXXX 's policy for crediting only double overpayments made no sense, and she agreed that she would work with others to resolve this problem.
The following week on approximately XXXX XXXX, I chatted online with a representative who again stated I would have to call my school. After explaining my conversation with XXXX, he stated that they had IT working on the issue as we spoke, and he assured me it would be resolved that day by XXXX. Again, I heard no response from XXXX.
Today, XXXX XXXX, I again chatted online with XXXX. During my conversation with XXXX, he stated that XXXX could not handle this matter and that they had communicated to me on several occasions, including on XXXX XXXX, that they could not credit my account, and that I would have to contact my school. I contested this characterization, stating that it was contrary to what I had been told numerous times. I mentioned that team lead XXXX said she could handle this and that the previous week they had IT working on the resolution. He again stated that the notes said I had to contact my school. He again repeated that XXXX had made this ultimate determination.
I asked XXXX for their records of our conversation after they said they were all on the record. They declined to provide this information to me.
|
| 01/17/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Due to confusing communications from two of XXXX XXXX XXXX 's divisions, known as XXXX XXXX XXXX XXXX XXXX ( XXXX ) & Heartland XXXX, respectively, about which entity I should make loan payments to, I have unfairly experienced a blow to my FICO score that will affect me for years to come.
Since XXXX graduation ( and again after law school ), I have had student loans serviced by XXXX. I have had a perfect, consistent record of paying the amounts due in full and on time. In approximately XX/XX/XXXXor XX/XX/XXXX, XXXX informed me that all my student loans serviced by XXXX would be thereafter serviced by " Heartland XXXX '' and all further payments should go to that entity. This impression was reinforced by confusing assertions on XXXX 's website ( XXXX ), which contained a prominent link to Heartland XXXX ( www.heartland.XXXX ) with the text " All of your Heartland XXXX accounts and transactions can be viewed in one place '' [ see attachment ECSI Screenshot 1 XXXX ]. On XXXX Heartland 's website ( http : //www.heartland.XXXX ), it says prominently " One Profile. All Your Accounts. '' [ See attachment XXXX Heartland Screenshot XXXX ] Following the link from XXXX 's website to Heartland XXXX 's website strongly suggested that Heartland XXXX 's website would contain all of a borrower 's accounts. Finally, the copyright notice at the bottom of XXXX 's website says " ( C ) XX/XX/XXXXHeartland XXXX, '' further implying that these are one and the same entity. These confusing communications continue even today.
This turned out not to be true : inXX/XX/XXXX, I received a delinquency notice from XXXX for missed loan payments. [ See attachment XXXX StatementXX/XX/XXXX ] I immediately made the necessary payment to bring my loans current. Thereafter, I checked my credit report with XXXX and XXXX and found that I had lost approximately XXXX points on my FICO score due to delinquency for laughably small unpaid amounts of {$27.00} and {$40.00}.
When I called XXXX customer service to explain what had happened and to request they remove the delinquency reports, the representative on the phone informed me that if I had not brought my loan current and instead requested a back-dated forbearance, they could have removed the delinquency reports. The representative further advised me that, since I had already brought my loans current, no forbearance could be granted and they could not remove the delinquency reports.
As a borrower, it is not my job to work out a loan servicer 's complicated structure of parent companies, subsidiary companies, and divisions. I believe it is fair to ask for clear and unambiguous payment procedures, communications, and website copy.
Due to XXXX/Heartland XXXX 's confusing communications, I experienced a preciptous and unnecessary drop in my credit score which will impact me for years to come. I was and am perfectly willing and able to make my loan payments on time and am outraged to have received such a drastic punishment for XXXX/Heartland XXXX 's failure to effectively communicate proper payment procedures. The amounts that became delinquent are vanishingly small and I call on XXXX XXXX XXXX ( the company of which XXXX/Heartland XXXX are divisions ) to resolve this situation fairly.
|
| 11/29/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
XXXX services ( XXXX ) student loans on my behalf. I am making complaints toward both my loans with XXXX XXXX XXXX and XXXX University which both institutions are located in XXXX, Alabama.
Firstly, my XXXX loan with XXXX XXXX XXXX Acct # ( XXXX ) is in forbearance. However, when I contacted XXXX around early XXXX in order to request a forbearance that would cover an additional year from XX/XX/XXXX thru XX/XX/XXXX, I was told by an XXXX representative that they did not have the loan as the loan was turned over to The Department of Education and to contact them at XXXX. I was aware that the school was about to close its doors because a loan in the amount of XXXX XXXX dollars was denied. However, the school has since found other donors that are helping to keep its doors open. Additionally, I noticed while in my account that the loan was showing as past due. I contacted the Department of Education only to find out that they did not have the loans. I called XXXX back today, Wednesday, XX/XX/XXXX, to inform them of this finding. I was told that they do have the loan and that it was still going out to the Department of Education ; but, I could still request a forbearance on the loan. During conversation with the representative, I asked her how much of a late fee had incurred and she informed me that a late fee of {$40.00} and some change was on my account. I requested that the late fee be removed and she said that it could not. I think this action is wrong as I diligently contacted them regarding this loan. Not to mention all the unnecessary back and forth that I went through in trying to get this resolved.
Referencing XXXX University, Acct # ( XXXX ) I have XXXX loans that XXXX services XXXX my behalf. I initially contacted XXXX in early XXXX regarding these loans and was told, by a representative, " It is way too early to request forbearances and that they would be sent back if I were to request this early. '' I called back on last week, Tuesday, XX/XX/XXXX and requested a forbearance. I stayed on the phone with the representative and she assured me that both forms were legible. However, I received an E-mail that read, " Bad image - unable to clearly read XXXX. Can not accept any altered paperwork. '' Suffice to say, this was stressful to find out. Delays in processing make the accounts accrue late fees. I have resubmitted the paperwork and awaiting the outcome of my resubmitting of the documents.
Also, I received a statement from Heartland ECSI that is stating both loans at XXXX have accrued late fees totaling {$2300.00} ( see attachment ) .How can this be when the loans were in forbearance? As I aforementioned I am diligent about keeping my loans in good status.
When I requested to speak with someone in supervision as I wanted to obtain a better understanding as to what was going on, I was told, " They are busy and can not talk to you. '' I know there should always be someone if not available to call customers back.
This company needs to be investigated as they cause borrowers ' loans to be delinquent with short times to submit paper work in order to collect late fees. This subsequently places unnecessary hardships and stresses on borrowers.
|
| 08/01/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
I appeal to the Consumer Financial Protection Bureau with the belief that you can hold banks, lenders, and other financial companies accountable for their actions and ensure they treat borrowers fairly.
My Claim As I understand it, lenders are required to inform borrowers when their loans have been sold and the new holder of the loan ( or servicer ) is required to inform the borrower that the loan has been purchased. Speaking to the actions of Campus Partners, the way my loan payments have been sporadically applied over the year -- with some payments being debited from my bank account twice in one month -- and then abruptly dropped as of late is unacceptable. I ask Consumer Financial Protection Bureau to look into Campus Partner 's mishandling of automatic fund withdraw, of the XXXX XXXX XXXX XXXX transfer and the inadequate handling of their notifications to borrowers.
Events that led to delinquency I attempted to use the Campus Partners site three times in the past two months. Each time I received a cryptic message that refers to site maintenance and encourages the user to try the site again later. There was absolutely no indication significant changes to Campus Partner 's status took place -- just an abandoned web site. I only learned of the service transition with a notice of default from XXXX. To make matters worse, historically, it seems like Campus Partners haphazardly withdraws funds from my bank account. I see the money being withdrawn from my account but with little rhyme or reason. And by the time I noticed the erratic withdraw pattern, XXXX does n't acknowledge the payments made. For my delinquency, I was told I owe for two months, due for XXXX 2016, but my bank shows the last payment was taken from my bank account in XX/XX/XXXX. How can this be? I enrolled in the automated payment method years ago and have never been delinquent in my payments. What 's more, I have an excellent credit standing and would never jeopardize that status by neglecting my student loans. Mishandling of this service transfer by one or all financial parties involved stands to compromise the average borrower 's ability to maintain good credit and function financially.
Please understand, the initial lack of written notification -- with a significant time gap which resulted in a default notice -- on the part of both Campus Partner 's and XXXX should not go unpunished. I thought I was uniquely affected by this mishandling but I discover countless people online who faithfully upheld their financial obligations with Campus Partners and now suddenly struggle to bring their loans current again. They are worried and scared. They do n't know how they will satisfy their delinquent account and still eat and put gas in the car.
The lapse on the part of Campus Partner 's and XXXX to notify borrowers -- well before so many became delinquent -- is a professional, procedural mishandling and borrowers should n't have to suffer for that business error.
Without a timely, adequate notification of the servicer transfer, coupled with sporadic and deceiving withdraws from my bank account, I should not be penalized and the loan should be brought current.
|
| 03/12/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
My loan was serviced by XXXX. I applied for, and qualified for, the law enforcement cancelation for my Perkins loan. I am an attorney working for the XXXX XXXX Staff of the California Supreme Court. My sole responsibilities are to review, conduct research for, and assist the judges in criminal death penalty appeals. My loan was transferred to XXXX XXXX I applied again for the cancelation and was notified on XX/XX/XXXX, that my claim was denied because they state I did not qualify. The terms as posted on their website at XXXX XXXX XXXX state : " To establish the eligibility of a borrower for the law enforcement or corrections officer cancellation provision, the school must determine that ( 1 ) the borrowers employing agency is eligible and that ( 2 ) the borrowers position is essential to the agencys primary mission.
1. A local, state, or federal agency is an eligible employing agency if it is publicly funded and its activities pertain to crime prevention, control, or reduction or to the enforcement of the criminal law. Such activities include, but are not limited to, police efforts to prevent, control, or reduce crime or to apprehend criminals ; activities of courts and related agencies having criminal jurisdiction ; activities of corrections, probation, or parole authorities ; and problems relating to the prevention, control, or reduction of juvenile delinquency or narcotic addiction.
Agencies that are primarily responsible for enforcement of civil, regulatory, or administrative laws are ineligible. However, in recognition of the fact that the activities of many divisions and bureaus within local, state, and federal agencies pertain to crime prevention, control, or reduction, or to the enforcement of criminal law, the Department has determined that a sub-unit within a larger, non-law enforcement agency may qualify as a law enforcement agency for purposes of a law enforcement cancellation.
2. For the borrowers position to be considered essential to the agencys primary mission, he or she must be a full-time employee of an eligible agency and a sworn law enforcement or corrections officer or person whose principal responsibilities are unique to the criminal justice system and are essential in the performance of the agencys primary '' Specifically : " activities of courts and related agencies having criminal jurisdiction. '' I contacted Heartland several times the week of XX/XX/XXXX. I was told by the representatives that I did not qualify. I requested to speak with a supervisor and was told on Wednesday XX/XX/XXXX I would receive a call in 48-72 hours. On XX/XX/XXXX I had still not received a call and contacted Heartland again, I was told I would receive a call by XXXX est. At XXXX est I had not received a call and again contacted Heartland. I was told that an attempt to make a call was made at XXXX and the caller received a busy signal. I was not on the phone at that time. Furthermore, the number was a cell phone which has call waiting, so they should not have received a busy signal, at worst a voicemail. I was then told that I would have to wait another 24-48 hours. I am still waiting for that call.
|
| 04/08/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
I graduated from XXXX in summer XXXX. All my student debt was in the form of federal loans. All except for one is managed by XXXX. I had 1 more managed by Heartland ECSI on behalf of XXXX. This loan was my smallest at about {$1800.00}. When the pandemic started, federal student loans were put on deferment ( and still are ). I was grateful that I could prioritize smart financial moves to build up savings, so I was not making payments as I did not have to. I received no notice from Heartland ECSI or XXXX that they had resumed charging interest and requiring payments. In XXXX of this year ( XXXX ) I went on to the Heartland ECSI website to verify my information because I was confused that I had heard nothing from them in a long time despite receiving regular updates from my other loan servicer. Upon logging in I learned they had been demanding repayment for months and I was more than 150 days delinquent on payment. All my contact information was correct but I had received no notice that I was expected to pay. At no point was I unable to pay this account and had I been aware I would have made the necessary payments with ease. The account was made current and I set up automatic payments of 4 times the minimum payment on XX/XX/XXXX. The entire account will be paid off in the next 3 payments. It was not until after I did this that I received my first correspondence from XXXX about this delinquent payment, in the form of a letter saying I will be sent to collections. This was received in the mail on XX/XX/XXXX and the letter is dated XX/XX/XXXX.
Due to this delinquent payment, my credit score has been reduce by more than XXXX points. This is the only delinquent payment, or payment issue of any kind, on my entire report. Part of my plan in saving the past 2 years is I intended to purchase a home, however, with my credit score dropped so low I can not pursue this as it will sabotage my chances at a reasonable mortgage rate.
I have called ECSI directly 5 times. On my first few tries it said I could leave my number and they would call me back in the order calls were received. I was never called back. On the XXXX try I finally got off hold and could talk to someone. The representative I spoke to informed me that once it was reported they could do nothing rectify it. I asked if a supervisor would be more helpful and was told again " there is nothing we can do '' and was not passed on to a supervisor. The only option I was given was to call XXXX, the entity they reported the late payment to, on a number the representative provided me. This number sent me to the XXXX credit report request line and had zero option to speak to a person or contest the delinquent charge. I did end up making an XXXX account to dispute the flag on my report, but without any further input from XXXX or ECSI, XXXX has zero ability to remove the flag.
Heartland ECSI failed to notify me when payments resumed, has drastically damaged my credit score of nearly XXXX prior to this incident, and has been unwilling to work with me on resolving this issue that serves no purpose but to hurt my financial situation to none of their benefit.
|
| 04/17/2019 |
Yes |
- Student loan
- Private student loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have had a small XXXX student loan from my school who used XXXX XXXX as a servicer for the loan. When I first started paying this bill in XXXX I set it up on auto pay immediately as all of my bills are. I have NEVER missed a bill out of all my car loans, mortgages, credit cards, and over my other 30ish accounts. This past year I had closed a bank account of mine to consolidate some things to make it easier for me to control my finances. As I went through each one of my accounts making sure the ones being paid out of that account were being transferred to a new payment plan. I came across this student loan. Which was at the end of its term only owing a few hundred more dollars. This loan typically was paid every couple of months or quarter I believe. As i went in to update my account for the new bank account info for auto pay I put everything in place and set it up for autopay. Or so I thought .... The company is telling me now that the auto pay I set up just went through as a one-time payment only. Which I was not told or made aware of. I was not called, or notified of any delinquent payments since that moment until in XX/XX/XXXX I was going through my tax info for the year of XXXX and went into that account to see that it was past due ... to my complete surprise. The due amount I believe was {$200.00} which I immediately paid in full upset that it was past due. Again, I am a XXXX XXXX XXXX and am very strict on my own credit and personal finance. I take pride in the fact that I've never missed a payment. Once it was paid I was still never notified that they had sent a delinquent letter to the credit bureau. Never heard from a collections agency or was notified that my auto pay was not functional any longer. I understand that this is entirely my responsibility. However, had someone from the company just called and told me my payment was a few days past due and not on auto pay I would have done what I did in XXXX of XXXX and just paid it off immediately. I am writing this now because as of last week it was the first time I have heard that this bill was on my credit report showing serious late payments of 30 and 60 days. I am currently applying for another mortgage and when they pulled my credit they notified me of this issue. To my complete shock, I am now caught in a stressful situation over this misunderstanding and malfunction or glitch in the system for their auto-pay ( which I'm assuming is the case. ) As you can see from my credit history I have every payment on auto pay. This mistake will cost me over {$8000.00} more on my loan. I have reached out to the company to see if they can help me and they have denied it completely and told me to have it investigated. Which is unfortunate to me seeing how that was the last payment for this loan and the loan has been closed out entirely. So I went the entire installment and the last payment gets messed up and is greatly affecting my credit score. It is the only thing that is messing with my score according to my lender. I am hoping cfpb can help me resolve this issue and see that it was a miscommunication error.
|
| 10/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XXXX of XXXX, my federal Perkins loan ( a small, very low interest rate loan directly from my XXXX school ) was transferred from the existing loan servicer, XXXX, to Heartland ECSI. I had been on auto-pay with XXXX for about five years, and simply didn't notice that the auto-payments had stopped, as they were very small. I got no notice of the transfer from XXXX to Heartland until XXXX of the next year, when I got a default notice from Heartland. Once I got the default notice, I called up Heartland, and they instructed me to file a forbearance request, back-dated to XXXX of XXXX ( which, presumably, was when the first payment to Heartland would have been due ). They said that this would resolve the late payment issue and any potential credit reporting. The only real consequence was that I would have to pay a bit more interest ( but the interest rate was very, very low, so I figured that was not a problem ). It sounded like they had this problem a lot, because the guy immediately knew what to do ( almost like he was reading from a script ) after I described the problem. They also set up auto-payment on their system on that first call. I sent in the forbearance request and thought the issue had been resolved.
A month or two later I got another default notice. When I called Heartland, they denied ever receiving the forbearance request, and asked me to send it again. They again said that the forbearance request would eliminate the default and reverse any negative credit reports. I sent them the forbearance request, along with the fax confirmation sheet that proved they received it the first time, too. I've attached this document to this complaint. This time, the forbearance was granted and I stopped getting default notifications. Again I thought the issue had been resolved.
In XXXX of XXXX, I refinanced my other student loans. My new lender asked me about these " late payments '' on the Perkins loan ( which I wasn't refinancing ), so I called Heartland again. They told me on the phone that the granting of the forbearance request should have resolved any late payment credit reporting issues, and entered a ticket to investigate why it had not. They also told me that my loan had been transferred yet again to a new loan servicer in XXXX, so I scrambled to set up payment with that loan servicer. I figured out later that Heartland had given the new loan servicer the wrong address, even after I had corrected my address with Heartland on two different occasions. Fortunately, I was able to set up payment with the new loan servicer in time to avoid yet more default notices.
This year, I began applying for financing to purchase a home. My lender again asked me about " late payments '' on the Perkins loan that are somehow still reflected on my credit. Apparently Heartland never fixed its credit reporting issues, and my credit continues to incorrectly show late payments on the loan, despite three different Heartland representatives telling me on three different occasions that this issue had been resolved and that their credit reporting had been corrected.
|
| 12/29/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
For the past two years, I have consistently been given incomplete information about the terms and payment method on a {$4000.00} XXXX loan that I received through a financial aid advisor at the University XXXX XXXX - XXXX in XXXX of XXXX. Due to my loan servicer 's mishandling and the actions of staff at XXXX. XXXX, I have missed two payments, and that has unfairly impacted my credit score.
When I received the loan, I was never given a hard or digital copy of the terms of it or the name of the company that would be servicing it. I was told I could manage payments on it through the XXXX XXXX XXXX XXXX, which is how I managed my other federal loans. After I received my XXXX XXXX XXXX in XXXX XXXX, I deferred payment on my federal loans as I searched for employment.
On XXXX XXXX, XXXX I received an email from XXXX XXXX at XXXX. XXXX 's XXXX XXXX XXXX XXXX, XXXX 's XXXX. The email incorrectly referred to me as XXXX XXXX ( that is not my name ) and informed me a payment on my {$4000.00} XXXX loan was past due. At the time, I was under the impression that the loan had been deferred, along with my other federal student loans and I was frustrated that this was the first time I was receiving a notice via email that a payment was due. XXXX XXXX aplogized for mis-naming me, but told me that my loan servicer on the XXXX loan was XXXX XXXX, and that was different than the company that was servicing my other federal loans, which is XXXX. He said I could n't defer payment. I told him I was frustrated that this was never explained to me when I took out the loan, and I would have never missed the payment had I been informed at the outset, or had I properly received a notice - via email or letter - letting me know when a payment would be due.
I paid the past-due balance immediately and I set up a monthly payment plan. For over a year, I 've made monthly payments on time. On XXXX XXXX, I received a notice that XXXX. was changing its loan servicer from XXXX XXXX to Heartland XXXX, and the notice said I was required to create a new account with Heartland XXXX and set up payments through that company. I followed the directions, but Heartland XXXX has not provided me with regular notices of when a payment is due. As a result, I missed one payment, and that impacted my credit score. Heartland XXXX also charges a debit card processing fee that is 3.95 % of my payment amount, plus {$1.00}, for using a debit card to make one-time payments. I believe that is unfair and violates usury laws.
I 've been extremely frustrated with the way the loan servicers and XXXX. XXXX have handled this particular loan. Since my other student loans are held by XXXX, I 've seen there are better ways to inform borrowers of the terms of their loans and when payments are due. Their poor business practices have repeatedly caused me unnecessary emotional distress, they have unfairly impacted my XXXX XXXX and they have unfairly charged fees for processing payments.
I have copies of all of my email communications with XXXX XXXXXXXX, XXXX and Heartland XXXX and can provide them if requested.
|
| 11/09/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Summary : I can not get a low-interest rate on a Mortgage Loan because Heartland ECSI reported me to the credit bureaus and never notified me that I was every late on a payment when I had set up autopay.
Whole Story : I would like to move back to my hometown to be closer to my family and before I do so, I want to buy a house there. I saw that my credit score had slowly been decreasing over the past year and a half as to no idea why. I looked further into the matter and hired XXXX XXXX in XXXX or XXXX of this year. That is when I found out that " XXXX XXXX '' ( but its really Heartland ECSI XXXX has been on my credit for years without any knowledge as to why.
XXXX XXXX sent a letter on XXXX XXXX XXXX to XXXX XXXX on my behalf asking for documentation of late payments ( I 've attached this documentation ) Then XXXX sent back a letter on XXXX XXXX XXXX stating that I had multiple " NSF '' payments over the years ( Letter is attached ). I had absolutely no idea about any type of NSF 's XXXX non-sufficient funds ). I call XXXX and they continuously tell me that I still am late on payments, when I call Heartland ECSI and they are telling me that I am up to date on all of my payments.
I did further digging and found out that it is Heartland ECSI reported me to the credit bureaus and not XXXX XXXX when XXXX XXXX is what shows up on my credit reporting. ( you can see the attached documentation of a conversation I had with a customer service representative ).
The XXXX XXXX XXXX XXXX are building my case to dispute this matter with the credit bureaus, however, it has been extremely difficult because everything has to go through XXXX XXXX when Heartland ECSI is the lender that has reported me ( XXXX has not reported me ) There is an attached document of all of my payments with the totals highlighted in yellow at the top. For years I have been accruing over {$600.00} in late fees without having any knowledge that there was an issue with late payments. I never received a phone call, letter, or email in the 6 years that I have had this loan.
This has been a very difficult process because I have to communicate through my school to get to XXXX, and everyone that is trying to help me is also having a difficult time understanding that XXXX did not report me to the credit bureuas because " XXXX XXXX '' is what shows up on my credit.
My lawyers are working on building a case to file a dispute however, time is of great importance when I am trying to get a house and move to be closer to my family. I also have no idea how disputes work, I am trying every avenue to get this matter resolved as quickly as possible.
Not only has XXXX ruined my credit, they have deterred me from being close to my family, and they have also charged me with {$600.00} dollars in late fees when I was never made aware of any late payment.
If I had known there was an issue, I would have handled this matter years ago however, Heartland ECSI never contacted me about any NSF throughout the 6 years Ive been paying my loan.
|
| 03/11/2016 |
No |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
My university uses ECSI as a loan servicer. The servicer 's repayment process on their website is very difficult to navigate. I pay all of my bills online, including a student loan from a different servicer, and ECSI is the only one that I feel is intentionally trying to scam people into not making payments or being charged fees to make a payment.
The whole issue with ECSI stems from having to navigate through a convoluted process to set up a payment schedule. In my situation, I attempted to make a payment several months before my deferment period was over.
The process began like this : First, the option to make a payment was not given. After searching the site you figure out that you need to go through a separate process to add a checking account to your loan account so that the payment can be withdrawn from it.
Second, once the checking account is added, you are given a few options to pay your loan i.e. via checking account, credit card, etc. A problem here is that XXXX of the payment options are identical except XXXX charges you a transaction fee while the other is free. These XXXX payment options both withdraw from your checking account. If you select the wrong option you may be directed to the process where you will need to pay a fee just to pay off your loan.
Third, once you select the free option to pay by direct debit ( checking account ) you select your loan balance that you want the payment applied to. Here, I elected to make a {$700.00} payment. After inputting {$700.00}, you need to hit the " apply '' button. I think this button tells the system that you really do want to make a {$700.00} payment.
Fourth, after you hit apply, you now need to check off on the boxes " below ''. Here, I agreed to the terms of use. Then I checked a second box where I was telling the system that I wanted my payment to be withdrawn/applied to my loan on a specific date and then selected the date I preferred.
Fifth, I clicked confirm and received a confirmation page that my payment will be applied on the date selected.
The problem arises in the fourth step. There 's another box that I needed to select. This box generally says that I would like my payment applied in periods of deferment or when payment is not required by me. So, even though I went through all of the steps telling the system I really want to make a payment and I want this payment applied on a particular day, none of it made any difference because I did n't select the XXXX box asking to apply payment when payment is not required. I even was taken to a confirmation page that showed my payment set up was a success but it never really was a " success '' because ECSI intentionally made the process convoluted.
I was lucky to catch this during my deferment period. There has to be many situations where people paying off their student loans post-deferment encountered the difficulties of the ECSI payment process and ended up being slapped with late fees and such.
|
| 08/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I should not owe any more money to XXXX XXXX ( XXXX ) for transitional funding loans taken out XXXX, according to XXXX 's loan terms in writing in the XXXX Transitional Funding Guide on page XXXX as well as in the emails sent to me from XXXX Grants and Loans. I was supposed to start repaying XXXX XXXX XXXX, and only when a loan repayment is overdue by 61 days and only then will the {$20.00} late fee start applying and that the loan taker had until XXXX XXXX, XXXX before sent to collections, but my loan account was sent to collections in XXXX XXXX. XXXX emails said XXXX MIGHT charge the {$20.00} late fee, but they never did. Instead, what XXXX did was have ECSI charge me a XXXX % late fee on my account in XXXX. XXXX, and XXXX gave no warning of this, and it was not in the agreement.
I paid in full the original loan of {$5100.00} in XXXX XXXX - I have a copy of my check ( apparently my check did n't get applied to the account until XXXX XXXX, XXXX ). I emailed XXXX in XXXX when I saw that the check had n't cleared yet. But XXXX via ECSI sent the loan account to collectors XXXX XXXX XXXX and I disputed the XXXX % late charges that XXXX/ECSI applied to my account XXXX XXXX which is what is still showing as remaining on my account. If any late fee was to be charged, it should have only been {$20.00} late fee ( each month over 61 days past due ) certainly not the {$1700.00} ( XXXX % late fee -- which is now showing as {$1200.00} for some reason ) which XXXX via XXXX XXXX XXXX are trying to collect from me. I sent documents detailing the dispute to XXXX XXXX XXXX last year. My credit score was already impacted when XXXX sent this to XXXX XXXX XXXX last year. Then XXXX sent the account back to ECSI to start this process all over again, which seems highly suspect. Now XXXX is sending my account back to collections XXXX XXXX XXXX a second time, which I disputed last time. All this is just going to cause more hassle for XXXX and XXXX XXXX XXXX, because I dispute and am not paying that XXXX % fee. I believe that XXXX needs to honor the agreements that are in writing in the emails sent to me and in the XXXX Transitional Funding Guide. The most I am willing to pay is the {$20.00} late fee, but I should n't even have to pay this late fee as I already paid the original loan in full last year. XXXX XXXX will deal with me in a fair and transparent manner. Telling me I would get a {$20.00} late fee in XXXX XXXX and then having ECSI charge a XXXX % late fee without telling me is wrong. XXXX has their loan money back- I repaid it last year. There is no reason to draw this out further, wasting time, money, and re-reporting this to a credit bureau again. Let 's come to a close with this. Let me know what XXXX will do to honor the loan terms in writing ( XXXX Transitional Funding Guide & XXXX Grants & Loans emails ) instead of trying to charge me a XXXX % late fee on an amount that was n't supposed to be charged.
|
| 11/06/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Today, XX/XX/XXXX, I opened letters from Heartland ECSI regarding my XXXX and XXXX XXXX from XXXX XXXX XXXX. I have been making automatic monthly payments of {$100.00} to pay off the loans since XXXX. In XXXX, I spent a significant amount of time on the phone with Heartland ECSI and XXXX XXXX XXXX Financial Aid Office figuring out how to make payments & apply for deferment because I had gone to XXXX XXXX from XXXX, and then was unemployed for a time during the pandemic. The process was incredibly confusing, and Heartland ECSI was not transparent or clear in any manner about what my legal payment expectations were. I have documentation of every one of these conversations.
Eventually I was able to defer, started paying later on, and in XXXX XXXX XXXX entered into a Rescheduled Payment Plan. Heartland ECSI did not clearly explain what the Rescheduled Payment Plan was, only that I could do it, despite me asking clarifying questions multiple times. This Rescheduled Payment Plan was apparently set to expire in XXXX XXXX XXXX, but I was not notified of this expiration or what it would entail. I have continued to make automatic monthly payments including in XXXX and XXXX XXXX XXXX, but received a paper statement from Heartland ECSI on XX/XX/XXXX stating that my " account is XXXX days past due in the amount of {$3700.00}. '' I called Heartland ECSI customer service and spoke with two agents ( the first hung up on me! ) about my account ; I explained that I had been making automatic monthly payments, and he stated that he could see that on the account. I asked why I received a paper notice stating that I was XXXX days past due and owed {$3700.00}, and he said he would take a look at my account. I explained that I can not possibly be XXXX days past due since 1 ) I've been making automatic monthly payments, including in XXXX & XX/XX/XXXX, and 2 ) even if the Rescheduled Payment Plan ( whatever that means ) " expired '' on XX/XX/XXXX, it's only been approximately XXXX days since that date, not XXXX. The agent said " You're right '' and asked me to hold while he reviewed my account. When the agent returned, he said to " disregard the [ paper ] notice '' and that " the repayment plan is back in place for {$100.00} a month to the XXXX loan, and it is active until XX/XX/XXXX. '' He stated that no fees would be incurred.
I have had too many negative conversations with Heartland ECSI where they have intentionally obfuscated the truth of loan payment expectations, and worst of all they send what can only be seen as falsified and threatening paper statements to their borrowers in an attempt to scare me into paying {$3700.00} as if it's past due, when in fact it is not. This practice is predatory and unacceptable, and has been ongoing for the last three years! I will also be filing this complaint with the Department of Education and meeting with the lawyer provided through my employer.
|
| 08/23/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
My regular payment amount is {$68.00}. I always make my payment on time, and generally pay 1-2 weeks prior to the due date. For example, my due date is the XXXX of every month, and I typically pay around the XXXX of the prior month. In XX/XX/XXXX, I had already made my full payment due on XX/XX/XXXX. I knew my expected paychecks and other expenses coming up in XXXX, and wanted to make my XXXX payment early so I would not owe it later. On XX/XX/XXXX, I made another full payment and expected it to count for my next payment due on XX/XX/XXXX, so I was about 3 weeks early. However, upon talking with company representatives and a supervisor, I was informed of the limitations built into their system which caused my loan to mistakenly appear delinquent. The payment I made on XX/XX/XXXX was applied to the prior month 's payment ( due on XX/XX/XXXX, even though it was already paid ), so when I did not make another payment until mid-XXXX ( for my payment due XX/XX/XXXX ), I was informed that I was >15 days delinquent because I had not yet made my payment for XX/XX/XXXX. After talking the company representatives, my fees were reversed and payments fixed. I was informed that their system would consistently process payments incorrectly if they were paid too early. I was told that I should not make payments prior to the XXXX of the preceding month ( ex. I should not make my payment due XX/XX/XXXX prior to XX/XX/XXXX ). I thought this would be the end of my problems ...
I continued to make payments AFTER the XXXX of each month with no issues until I received a second incorrect delinquency notice on XX/XX/XXXX. After a lengthy phone call with a representative and their supervisor, I was informed that they accidentally debited my account for {$200.00}, because someone else " accidentally made a payment on my account. '' Apparently, one day they credited my account {$200.00} and removed {$200.00} realizing it was incorrect. They then did NOT apply the payment I actually made of {$100.00} in XX/XX/XXXX ( wanting to pay down a little extra principal ). My {$100.00} payment was misapplied and only covered principal and no interest, and subsequently did not count towards my normal monthly payment. So when it came XX/XX/XXXX, I was delinquent because my payment once again was not applied correctly to my account. This time I received a notice stating I owed {$270.00} ( my {$68.00} monthly payment + {$200.00} past due + {$5.00} late fee ). The auditors and regulators of XXXX XXXX, and their parent company XXXX XXXX XXXX need to require the company to address the systemic issues with their loan servicing platform, which has proved in my case twice, that they are unable to process payments correctly and correctly apply them to principal and interest. I have now received 2 separate delinquent notices in the past 9 months, both due to systemic errors. Completely unacceptable and is causing consumer harm.
|
| 10/07/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
I am making payments to ECSI and I am trying to understand the " fees '' or " charges '' associated with paying my loan. My concern is specifically around " Service charges '' that are applied when you pay your loan using certain payment methods. Financial institutions are to disclose all " fees '' or " charges '' in accordance with UDAAP to the consumer. I do not believe ECSI is doing this and should be held accountable ( although " Federal '' ) to the same standards as all other lenders.
If I log into my bank and pay my loan with the institution I should first be aware of all fees associated and these fees should be fair to me. In regards to my student loan and I am a young professional trying to get on my feet. I took the loan because of the interest rate and I did n't have many other options. I am now paying on my loans and everytime I go to make a payment I am being charged a " service charge ''. This service charge appears to be different depending upon the payment method I choose. In addition, the charge seems to go up depending upon the amount I pay on my loan. The greater the amount I pay the more the " service fee '' goes up. My questions I would like answered : 1. Why is there a " service charge '' being applied to student loans each transaction a when a young professional is trying to pay their loan off? This seems unfair and does not keep the customer first.
2. Why is this " service charge '' not disclosed online and why are the details of how they come to the " service charge '' not disclosed online? This seems deceptive and unfair.
3. Why does this " service charge '' go up based off of me paying more on my loan? If anything the service charge should go down when I pay more. I was charged {$4.00} sense for paying a {$100.00} amount with my Debit card. The fee goes down to {$2.00} when I pay {$40.00}. This seems unfair, deceptive, and abusive to the consumer.
4. Why is the " service charge '' different for each different type of payment method and why is this not disclosed to the customer as to why each different type of payment method is different and how they come to the charge? This seems unfair and deceptive.
5. The Federal Government should be held to the same standards as any other Financial Institution due to them becoming a money lender. When a student who is trying to do the right thing and pay off their loans is being nickeled and dimed in addition to the interest that they are paying and any other late fees just to make a payment it is not right. Every time I make a payment I am being charged almost {$5.00} dollars in addition to the money I already owe. Does this compare with the standards regarding how banks process loans?
In conclusion, the volume and likelihood of this happening to all other students is very high. The amount of money being collected from " service charges '' appears to be unfair, deceptive, and abusing to the borrower.
|
| 03/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I am a XXXX XXXX. We use XXXX BankCard for Card Processing at our XXXX. On XX/XX/XXXX a client did a chargeback for a transaction processed in person at our location on XX/XX/XXXX. We haven't been notified of the chargeback, but the amount had been Debited from our bank account amount of {$660.00}.
On XX/XX/XXXX another customer processed a chargeback for parts that were ordered and pay for on XX/XX/XXXX, and picked up from our location on XX/XX/XXXX, in the amount of {$8100.00}.
In neither cases we were notified about the chargeback.
In the first case, I have received 3 pieces of mail in XXXX, but because I didn't recognize who " Global Payments '' is- I didn't pay attention to he notice. Later, I found out that Global Payments provide chargeback claim services for XXXX Bankcard. But this is not explained in any of the notices received in XXXX about the first chargeback.
Now, I found out about the second charge back ( {$8100.00} XXXX based on my XXXX Checking account- I woke up and got a notification from XXXX bank that accont has beed Debited for {$8100.00}. Then I called XXXX and they provided the phone number to Global Payments, and that's who I got an idea of who is Global Payments. As of today, 8 days later after second customer filed a dispute for chargeback of {$8100.00} I haven't received any notification of a chargeback from neither XXXX nor Global Payments. Global Payments said they have mailed the claim information, but I may receive it later due to the COVID-19. But they already charged back the {$8100.00} from my banking account.
Further, Global Payments provided me with a XXXX for submitting a response with proper documents. I have registered and tried to upload documents to the file, but the webiste doesn't work. On the website it is saying that XXXX, XX/XX/XXXX is the last day to submit a response for the chargeback. But the website doesn't allow me to respond. Also, If I wouldn't check my bank account, I would not even know about this charge back, and by the time their mail arrive- the claim would be closed.
I believe this is not fair, maybe even not legal, not to provide customer with a normal timeframe for responding to a chargeback.
I believe it is not fair not to inform customer about a third party that manages chargeback claims- Global Payments. Because I have only agreement with XXXX.
I believe it is not fair to deduct money from customer right away, without any notice, and without first giving an opportunity to respond I believe it is not fair to not inform the client about a chargeback. Mail is not a proper form of notice, especially during pandemic. They have my email and my phone. Mailing would be an additional contact option.
I believe it is not ok to offer a time frame for response that is less than time of mail arrival.
Also, During my conversation with Global Payments, the agent was laughing and not very professional.
|
| 10/31/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I reviewed my credit report and found that my credit score had dropped by over XXXX points due to a delinquent XXXXXXXX XXXX with XXXX XXXX. I took out this loan in fall XXXX and have received no correspondence or notices with respect to this loan since taking it out. The only email I have is dated XXXX XXXX, XXXX, and it notes that I signed the promissory note for my XXXX XXXX. No further mailings or emails were sent to me, including when the loan became payable in XXXX XXXX. I do n't think this is acceptable given that I was a student at XXXX and had ( and still have ) a working XXXX email address that they could have reached me at at any time.
The XXXX XXXX XXXX website XXXX XXXX XXXX XXXX ) notes that after leaving school, I should expect to receive important information about repayment toward the end of my XXXX grace period. I did not receive any such information, though they inform me that they had my New York mailing address at the time. The website further notes that in XXXX XXXX, the loan servicer changed and is now XXXX I also did not receive any notice of this change.
I called XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and after being transferred twice and being put on hold for about XXXX minutes, I spoke with a representative of the billing department, XXXX XXXX, who informed me that XXXX can not do anything regarding credit reporting, and that I should speak with the loan servicerXXXX XXXX I then spoke with XXXX ( where I was put on hold for XXXX minutes ) and they informed me that they did not do any negative reporting on me. The negative reporting was done by the prior servicer, XXXX. They recommended that I reach out to XXXX. I do n't yet have XXXX 's contact information and have asked XXXX for this information. I will certainly reach out when I have the appropriate contact, but I strongly suspect that they will tell me they can not do anything because they no longer service the loan. I have googled XXXX and can not find a legitimate looking website for them, and I also see that they have made settlement payments due to poor student loan practices in the past.
As a sidenote, the credit report notes a phone number for XXXX, the lender, and this phone number is disconnected. Further, there is no phone number on XXXX 's websites for billing-related questions, and it was only after strenuous objections that I was able to speak with a person today. Rather, the default operator response is to direct me to email the listed email address. Both the operator and the billing department representative I spoke to told me they could not give me a phone number, and instead would have to email the address.
I am now up-to-date on my payments and will continue making timely payments going forward. Given that XXXX and XXXX refuse to assist, and I can not get in touch with XXXX and have never been in touch with them, I am at a loss for what my options are right now.
|
| 01/11/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a Perkins Loan from XXXX University in Spring XX/XX/XXXX. I graduated in XX/XX/XXXX and believed that I completed all of my student loan exit interviews. I subsequently started making payments on Federal Student loans in XX/XX/XXXX. I did not refinance my student loans. I believed that I was making payments on ALL of my student loans ( income based repayment via monthly auto-payment ), but apparently this was only for my subsidized, unsubsidized, and grad plus loans. I was unaware of a separate company through which the Perkins loan was being managed. Four days ago, I received an alert from my credit monitoring service notifying me of a " 30 days past due '' bill from " XXXX University '' which was reported to XXXX AND XXXX. I graduated from XXXX in XX/XX/XXXX. The amount in the alert was almost identical to the Perkins loan amount I had accepted two years earlier ( plus {$100.00} of late fees ). I called XXXX University Student Account Services, and they stated that I did not owe money to the school, but rather, that this was an issue with Financial Aid and my student loans. I called the Financial Aid office and reached a recording which instructed me to call XXXX XXXX for issues of late payments on student loans. This was my first encounter with this company. I called Heartland and spoke with a representative who verified the following information ; name, telephone number, last four digits of my SSN, school/university attended, and mailing address. Each identifier was correctly recorded in the Heartland system, except for my address. I have n't lived at that address since XX/XX/XXXX. The correct address was on file at XXXX University during the time that I applied for the Perkins loan in XX/XX/XXXX. I explained this to the Heartland representative. He stated that my repayment requirements began in XX/XX/XXXX and that I was past due on this payment by 30 days AND past due for the XX/XX/XXXX payment. Heartland had not yet reported this additional late bill to the credit bureaus. I asked the representative why I had not been contacted initially in XX/XX/XXXX ( or at any other point in XX/XX/XXXX ), at least by phone ( since the mailing address was incorrect ), and he stated that an agreement between XXXX University and Heartland stated that the Heartland company would not contact XXXX loan recipients until their accounts were 90 days past due. This was because of a fee which would be charged to XXXX by Heartland for contacting loan recipients within that 90 day window.
But, Heartland was able to notify TWO credit bureaus within 30 days.
I set up an online account today with Heartland, paid the amount which was owed, and created a monthly auto-payment to prevent future issues, but I still have the missed payment reflected on my credit report. The Heartland representative said that he could not assist me in filing a correction with the credit bureaus.
|
| 12/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( US DEPT OF EDUCATION ECSI ) is a financial institution by definition under that title. XXXX5 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( US DEPT OF EDUCATION ECSI ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX ( US DEPT OF EDUCATION ECSI ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( US DEPT OF EDUCATION ECSI ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
|
| 04/28/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
My payment records indicate the Bill Generation Date is XX/XX/XXXX. With a statement from XXXX stating I had past due amount of XXXX dollars ( XXXX ) dollars per month. It is now XX/XX/XXXX and I have received information that my Federal Perkins loan has entered default status. I have made two attempts to send paper form forbearance requests to the company via paper mail. The first one was lost because it was sent to the wrong branch of XXXX. The second was obviously either not received ( I made specific attempts to get the address correct on the 2nd mailing ) or they did not apply it before they changed my loan to default status. I have encountered much confusion and inability to access my account online due to the multiple branches of XXXX and the changes that have taken place within the organization. To my knowledge my account has only been diliquent for 4 months. Of which time I have attempted to apply for forbearance. At this current time I am eligible ( Or would be if I was not defaulted ) for deferment due to in-school enrollment. The information I have researched on Federal Perkins loans indicates a 270 day Grace period, of which this has absolutely been cut in half. I have made successful attempts in the past to get this loan into forbearance and deferment. The past year XX/XX/XXXX I was enrolled at a federally recognized university for the XXXX semester XX/XX/XXXX-XX/XX/XXXX. I took time off until due to mental and emotional healthy until my semester starting XX/XX/XXXX. I received multiple letters from XXXX at the end of XX/XX/XXXX, which I saw a balance of {$0.00}. I thought that I was current on my forbearance and deferment. I could not keep track of my online account because no one was able to sufficiently provide me with the information needed to access the proper avenue of displaying my current and correct XXXX information. I'm just lost for words and don't understand. Now I have no idea whether I will be able to receive financial aid for this current term of school or whether they will suspend eligibility due to my negative interactions with XXXX. The company is XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA. XXXX, they have sent my " defaulted '' loan to The U.S. Department of Education ( the Department ). They say I have 90 days to pay it off in full and 60 days to contest it. Meanwhile I'm generating $ XXXX in either charges or interest, I'm not sure. My interactions with XXXX has caused me a great deal of emotional distress. I am completely dissatisfied with their online account systems of trying to gain current information on the status of my account. It has failed me tremendously. I don't know what to do. Due to my inability to access my account online I have not been able to keep a concurrent record and tracking of my forbearance status. I would love to obtain all records from XXXX and see what their records reflect.
|
| 05/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
On XX/XX/XXXX, I paid my off my {$16000.00} student loan from the University XXXX XXXX XXXX, serviced by Heartland ECSI, in full, days before the grace period ended.
On XX/XX/XXXX, I looked at my XXXX credit report and saw that it was still being reported as open according to XXXX. The same day I filed a dispute online, through XXXX, requesting to review the loan, as it had been closed, paid in full, on a positive note. XXXX said they would send me a letter detailing the result of the dispute. The dispute did not show up anywhere online.
Around three weeks later, XXXX updated my account by deleting the disputed item, permanently removing it from my account, instead of updating the open account to a closed, paid in full, on a positive note, one. Around this time a received a letter detailing the details and resolution of the dispute, as well as how to contact them if it was incorrect, including their customer service line.
On XX/XX/XXXX, I called the XXXX customer service line, ( XXXX ) XXXX, requesting the item to be restored on my report and reporting it accurately. They said this was impossible as the account was already deleted, and that I had to call the servicer and ask them to report it again and submit it to XXXX.
On XX/XX/XXXX, I called the Heartland ECSI customer service line, XXXX XXXX XXXX XXXX XXXX, and requested that they report my loan status again to XXXX. They said they couldn't report any information to XXXX unless XXXX requested it directly. The Heartland ECSI customer service representative recommended filing another dispute with XXXX in order to prompt an information request from XXXX to Heartland ECSI. In addition, the Heartland ECSI customer service representative also said that they had reported to XXXX that the account had been closed, paid in full, and on a positive note, in XXXX of XXXX.
Later in XX/XX/XXXX, I called the XXXX customer service line, ( XXXX ) XXXX, again, to ask that they request information from Heartland ECSI in order to restore the closed account accurately, or to file another dispute to prompt XXXX to do so. the XXXX customer service representative told me that they would not be able to do this, nor would it work and that I had to contact the loan servicer and ask them to report the information to XXXX.
Disappointed, I asked the XXXX customer service representative that if there was a way I could complain about XXXX 's service, to which they referred me to a XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX ) and the CFPB. As only having a the possibility of complaining through a XXXX XXXX is disappointing and predatory, and XXXX has demonstrated it's incapability in resolving this issue, I preferred taking my complaint to the CFPB, which is why I am submitting this complaint, in order to understand who is in the wrong ( XXXX and/or Heartland ECSI ) and to resolve this issue.
|
| 10/12/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I returned a call to Heartland ECSI after receiving an automated call from them on XXXX/XXXX/XXXX, asking me to return their call. The customer service agent looked up my account and I logged in online to view it as well. She said it did n't show I owe anything and that I 'm not delinquent. However, my account page shows a past due balance, 1-month delinquency and a total balance due XXXX/XXXX/XXXX. This information varies depending on which section I view, for example it shows that I do not owe anything on the home page but in 'history ' it shows balance due XXXX/XXXX/XXXX. The customer service agent told me that I should n't pay attention to that, and reiterated that I do not owe anything. I asked why it says in parts of my account that I do, and she had no reason but again told me not to pay attention to that. She said that what I was seeing meant that I could pay on my loan if I wanted to. I viewed my most recent statement online ( ending XXXX/XXXX/XXXX ) which also showed a past due amount and current amount due XXXX/XXXX/XXXX. I pointed out that the statement does not say anything about a payment being optional. The agent told me that she did n't know why the statement looked like that and again said that I do not need to worry about it. I asked if I could record a conversation with them confirming that I do not have a balance due on this account, and she said they do not allow recording so they will not speak with me if I am going to record the call. I asked the agent if they record phone calls between us, and she said yes but only for training purposes. I asked to speak with a supervisor. I was put on hold, the agent answered the line again and said that all of the supervisors are in a meeting and she will ask them to call me later. There are no documents available in the 'document ' section of my online account. I am only able to view everything, including my statement, online so I am uploading screen shots of everything. I would like my online account and statements to accurately reflect my loan and payment status as well as any payments due so that I can protect myself as a consumer. They are not allowing this by having conflicting and false information online. They are misrepresenting my current responsibility by producing a statement that makes it look as if I have both a past-due balance and current balance owed. They said they mailed the statement but the address on the statement is a past address, which does n't match the one they have in my online account information. To top it off, their refusal to allow me to record our conversations makes it difficult if not impossible to protect myself against inappropriate attempts to collect this debt and negative credit reporting should it occur. Thank you for your time and assistance in remedying this situation.
|
| 03/07/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
Servicemember |
|
On XXXX, I received a letter from XXXX stating that I had defaulted on my Perkins loan. This is the first communication I received since graduation about this loan. When I graduated, my loan was being held by Campus Partners, which was being purchased at the time. I created an account with Campus Partners, to pay my loan. However, they did not allow anyone to begin repayment of their loans, due to their company being purchased by another. Therefore, I was unable to pay my loan. Now since my loan is in default, they want me to pay the interest on the loan plus the principle amount. I was more than willing to pay my loans, which would have been without interest at the time. I immediately contacted XXXX, after receipt of the letter, to try to figure out how my loan became in default. They said that I needed to talk to the company ( ECSI ) who now owns my loan. Therefore I contacted ECSI by phone. When I finally was able to speak to someone, they were extremely unhelpful, and before even getting to the reason for my call, they hung up on me. Since I never got any information from them by phone, I looked for another method. They had an online chat available, so I tried chatting with them.
From this, they said that they were sending me information, but it was all being sent back ( because they were sending it to my address without sending it to my apartment ). I questioned them on why they had the wrong address, and they said it was given to them by Campus Partners. Then I asked why they did n't contact me by phone or email? They replied that it was against my schools policy. I never got to ask why they did n't just contact my school to request my address. However, they said there is nothing they can do and I just have to pay the loan and the interest that accrued. I told them that I would be more than willing to pay my loan minus the interest, since that is what would be fair, this being the first contact I received. However they said that I needed to pay the interest as well. So I asked to talk to someone who could help me straighten this situation out. They referred me back to my school. So I contacted my school by phone and email. They said they would look into it. I just received an email today from XXXX stating that there is nothing they can do, and I just have to pay the loan plus this accrued interest. I do n't see why I have to pay interest on a loan that I never had the option of paying before the loan. The company or XXXX did n't do their due diligence in acquiring my correct address, which XXXX had. XXXX never even contacted me by phone or email ( which they set up, my XXXX email address ... ) to let me know that my loan was transferred to ECSI and that I would need to pay my loan through them. What they are doing is a complete Scam.
|
| 01/31/2023 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Since XXXX of XXXX I have been trying to contact XXXX XXXX, which whom I have a practice loan to see if they could change my payments from Weekly to bi weekly. Cash flow was slow on my business. Since XX/XX/XXXX I have been contacted via phone and email from XXXX XXXX and XXXX ( I believe is the same people with two different names ) requesting to pay money and I was threatened me multiple times by this person, maybe an investor, in a very rude and unprofessional way. He even asked me to pay {$6000.00} at least to be reconsidered for refinance. I was struggling at my business in XXXX with the cash flow not knowing what was really happening at my practice. I had to take a 401k loan to pay my employees on XXXX weekend after loosing a cruise with my daughter due to funds not available in my Bank Card. I calculated that I missed about XXXX XXXX behind in XXXX. With all of the pressure from the vendors I was expecting my credit card processor, global payments, to disburse about {$50000.00} by the beginning of the month of XXXX as usual. But money kept not been deposited in my account. On XX/XX/XXXX, When we called global payments, Inc, they say my account was on hold since XX/XX/XXXX, th XXXX and they were holding about {$140000.00} from my business due to a lien that XXXX XXXX had place on me. A few days after a received a notification from XXXX in Writing. Not only I was not notify by anyone from the credit card processor about this, but they also send a letter to all of my insurance companies about stopping the EFTs to my account. I immediately did everything from my part so that global payments could release all the funds so that I could pay vendors, employees, etc. Matter was solved by XX/XX/XXXX from my part.
Until today global payments have not release the funds to XXXX, not have contacted the insurances so they can continue paying for services that I rendered to my patients.
On XX/XX/XXXX all my employees did not show to work because o did not pay them their paycheck on XX/XX/XXXX as it was due. I had to see my patients with no staff and almost lost the staff and business that took me 15 years to build.
I want you to take legal action against global payments for breach of contract. They never communicated with me about any hold of funds and keep holding my funds, and the insurances compensations by their inactions and non communications.
I have been diligent sending them emails and in writing correspondences, to them and XXXX XXXX. After 6 weeks my practice account and financials holds have not been addressed and this is taking a huge toll on myself.
I have all the emails and correspondence saved. Its a big file. Please let me know if you need it.
Best Regards, XXXX XXXX XXXX
|
| 07/02/2020 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
|
Account Number : XXXX Original Creditor : XXXX XXXX Amount as Listed on Credit Report : {$560.00} This student loan is from over 8 years ago and was supposed to be paid by my grandparents. In XXXX I realized it was reflecting on my credit and I established a payment agreement of {$50.00} per month to pay off the debt with Heartland ECSI. In XXXX I reached out to Heatland ECSI, the company I made my arrangement with and to whom I had been submitting my monthly payments, to inquire about any possible settlement offer to pay the balance in full. I was told I needed to contact the company that owned the loan XXXX XXXX and was given a number to reach them. When I called the number provided to reach XXXX XXXX I was advised that they in fact do not own the student loan and they have been receiving numerous calls from other people referred from Heartland ECSI regarding the same issue. I then called Heartland ECSI back and spoke with another representative. I explained the situation again and was given the same number. After I insisted this company could not help me I was told that is the only information they had. I then asked what payment could be made to at least bring my account current so that it would stop reporting as past due on my credit report. I was given a past due balance of {$1400.00} and was told if I made that payment my account would reflect current. I would then have a remaining balance of {$610.00} and I could continue making the $ XXXX monthly payments until it was paid in full. Based on this information on XX/XX/XXXX I made a payment of {$1400.00} mostly from my Stimulus check. On that same date my automatic draft monthly payment of {$50.00} also processed so 2 payments were made on XX/XX/XXXX totaling {$1500.00}.
The following month I noticed the account was still reporting negatively to my XXXX credit report as past due. I reached back out to the company and this time was advised because the total balance on my account was past due it will continue to report as such until it is paid in full. This was absolutely not what was advised prior to me making the lump sum payment. I then asked if I was able to pay off the remaining balance could I have the account completed removed from my credit and they stated this could not be done and would only reflect paid in full. I have still not been provided with the correct contact information for XXXX XXXX and Im continuing to have this account negatively impact my credit month after month. Currently this is the ONLY account showing past due or reporting anything negative to my credit reports and it is severely impacting my ability to refinance my home and showing my as having poor payment history.
|
| 06/14/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I was notified XX/XX/2020 that I was behind on my loan payment with Heartland ECSI, which was in deferment prior to this. Although I had requested paperless/ email notifications, I was not sent an email notification at all. I called immediately and was prompted to make an online payment -- which I did on XX/XX/2020, this set up a recurring payment for XX/XX/2020 for the full amount due. I was told that this would cover the payments missed and prevent a report of delinquency to the credit bureau. Unfortunately, Heartland ECSI did in fact report this as a delinquency to the credit bureau. I called again, and inquired why this occurred, as I was told that the payment was made in time to avoid this credit issue. The representative I spoke with said that if I had made a One Time Payment on the day that I initiated the payment, it would have avoided the credit issue completely ; however since I was instructed to create a recurring payment ( that didn't go through until the 1st of the month, XX/XX/2020 ), this caused the payment to be a few days too late to avoid the credit reporting issue. This representative apologized for the misinformation from the previous representative, and she then informed me that I could take action to correct this issue and remove the delinquent notice on my credit. The representative sent me forms to apply for a forbearance. She said that this would resolve the issue and completely eliminate the delinquency on my credit. I filed for the forbearance as I was instructed and it was successfully applied to my account. Once the forbearance was active however, I noticed that the delinquency notice was still showing on my credit and my credit score was still significantly lower than prior to this notice. I called once again to Heartland ECSI, and inquired on why this was the case. The representative I spoke with stated that the previous representative was incorrect in the information she relayed to me regarding the forbearance. The representative said they could see the notes from that conversation, and he stated that a forbearance would have been able to resolve the credit issue if I did not make a payment at that time to cover the missed payments. He apologized for the misinformation that I had now received multiple times, and he said there was nothing they could do. My credit score went from XXXX to XXXX ( from the credit sources I checked ), and I now had a forbearance on my account due to the constant misinformation and lack of communication from Heartland ECSI. I would greatly appreciate if this issue could be resolved and corrected on my credit, as I was misguided by the incorrect information provided to me by Heartland ECSI.
|
| 01/19/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Need information about my balance/terms
|
|
Web |
|
|
Campus Partners handles a loan I made thru XXXX University. I thought the loan was paid in full because I was making payments for several months without any getting any statements.
Yesterday, XXXX/XXXX/17, I ran a credit report and discovered there is about a {$500.00} balance. I went to the Campus Partners ' website and it showed I have been sent to collections and that my mailing address is invalid. I called Campus Partners today, XXXX/XXXX/17, to try to get this cleared up and resume payments. I spoke with XXXX. Campus Partners refused to give me any information and said I have been sent to collections. They stated my address is invalid. They gave me a phone number to call and would not provide any assistance or any any questions. They also said I need to go to the post office to fix my address issue.
I have received nothing in writing, no email, no phone call or any information about the status of my loan or the current balance. I have been at my home for over 13 years, no contact information has changed. I have had the same email and phone number and address. I went to Campus Partners website after I called them today to confirm again and the notice of the invalid address is now gone, and I still can not get any information.
I have had no other difficulty receiving information from other companies and have excellent credit and have never been late on any payments.
I have not received any notice of a current balance ; No notice that my payments were behind ; No notice that I have been sent to a collections agency, or a validation statement from this collection agency. Campus Partners could not tell me the last time they even sent me a statement. I was told my only recourse was to write a letter to a XXXX and again to go to the post office. I told Campus Partners I was going to report them.
The actions of campus partners is unlawful under the Fair Debt Collections Act and wrong. I have screen shots of my address showing as invalid yesterday and now today ok after calling ; showing they went and changed my account information. If my address is invalid why are they changing the status on my account after I called. I also have a stack of statements from Campus Partners to my address, showing that I can receive information from them in the mail. I have also included a screen shot on my payment history from XXXX.
I want to continue to make payments on my student loan. I want my credit cleared and I want to prevent this from happening to other people. I have n't moved, avoided payments or done anything wrong. I should n't have to pay late fees or have my credit rating impacted my their poor practices. They need to be investigated.
|
| 03/14/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
There have been many issues with this 3rd party ; but the below is just for the new/continuing issues : 1. ECSI has another billing discrepancy : ECSI tried to charge me {$10.00} for a " letter ''. This " letter '' was most likely an account payment history ( an audit ) that I requested ECSI-Heartland provide, because ECSI messed up my repayment plan of my private, zero APR student, loan once ECSI took over receivables last year from the previous and defunct company. The mess-up is changing my APR from 0.00 % to 5.00 % and changing the billing period from quarterly to monthly.
In rectifying the problem, it took a significant amount of my time and hassle to get both ECSI and XXXX University to see and admit the mistakes made and change the billing back to 0 % apr and quarterly billing. I had one more unresolved issue with ECSI ; that they explain or prove that my principal amount was not also messed-up and error free. I requested ECSI to conduct an audit on the account. All representatives told me I could do it myself. I continued to push and finally another rep said he could provide an account payment history. I told him that this would suffice as there 's nothing else they offer todo in wake of all their other previous errors on the account.
Now today, when I called asking why my paper statement shows a balance of {$150.00} due BUT my online statement shows {$160.00}, the rep told me its because XXXX University can assess charges to the account for incidentals in accordance to the promissory note. ( Never mind that I do not have this promissory note and ESCI also does not have a facsimile. XXXX University also indicated, when I asked months ago over the phone, that they will not provide the promissory note. And moreover, XXXX, the head of student finance, will not return my phone calls or emails. ) Back to ECSI, after the rep refunded me the charge as " a one time curtesy '' I instructed her that I did not ask XXXX University to provide this " letter '' and that I also have no contract or any other agreements with ECSI ; so ECSI can not charge me except according to the promissory note.
2. ECSI is still showing an incorrect mailing address. I did receive notice of a bill to my current home address of XXXX, XXXX TX XXXX. But ECSI 's online portal shows XXXX XXXX NY XXXX. I have n't been at this address in at least a year. but ECSI still has it and despite all of the back and forth with them last summer.
3. ECSI 's online portal is terrible : I believe their XXXX app and database are a security vulnerability too from the numerous times one must login for unknown reasons ( not a time out issue ).
|
| 03/15/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
This institution ( University XXXX XXXX - XXXX XXXX ) failed to fulfill its most basic obligations as a student loan servicer. Furthermore, its shortcomings were echoed in the experiences I've had with its contracted debt collection agency ( XXXX XXXX XXXX. ), as well as its loan servicer ( Heartland ECSI ). Collectively, these three entities deprived me of basic borrower 's rights, neglected their creditor obligations to me, provided me conflicting & misleading information to me, and habitually resorted to shifting blame amongst one another.
Violations by XXXX ( and the aforementioned, on XXXX 's behalf ) include : 1 ) After multiple requests to XXXX, XXXX XXXX , & Heartland ECSI, all three entities refuse to provide a signed copy of my Federal Perkins Loan Rehabilitation Agreement. The agreement states that I am entitled to a signed copy, but my requests for documentation have been rejected or ignored.
2 ) Failure to maintain adequate payment records. There are inexplicable discrepancies between the dates payments were made to XXXX XXXX, and the reported payment dates on record with Heartland ECSI. When addressing this issue with both entities, I was told that this was due to the respective monthly reporting cycles for each entity. I find it preposterous that the reported payment dates can not be retroactively corrected, especially if I am to be charged interest for the discrepant days. Additionally, XXXX shows that a portion of all payments had been allocated to interest, whereas Heartland ECSI 's records show that interest allocations were made quarterly. I was not provided an adequate explanation to this day, and don't know which to reference while figuring the student loan interest deduction for my taxes.
3 ) I was informed that upon successfully rehabilitating my loan, per our Federal Perkins Loan Rehabilitation Agreement, XXXX would instruct credit bureaus to remove records of previous default & late payments from my credit history. My final payment, which marks the successful rehabilitation of this loan, was made on XX/XX/2020. I requested an updated credit report from XXXX on XX/XX/2020, which still shows both the previous default & late payments for this account.
4 ) Prior to initiating the rehabilitation agreement, a XXXX representative informed me that successfully rehabilitating this loan would reinstate benefits entitled via the original promissory note, including a waiver of collection fees. This statement was made via email correspondence, and I am able to furnish the email log upon request. This promise was one of the explicit reasons I agreed to rehabilitate this loan.
|
| 09/30/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
I do n't agree with the fees XXXX XXXX is charging to make payments for student loans. The following is copy and pasted from their site on fees for payment : -- -- -- " ONE-TIME OR RECURRING PAYMENT USING YOUR CREDIT CARD.
A fee of 3.95 % of your payment amount and {$1.00} for One time payment will be added.
A fee of 3.95 % of your payment amount and {$1.00} for Recurring payment will be added.
ONE-TIME OR RECURRING PAYMENT USING YOUR DEBIT CARD.
A fee of 3.95 % of your payment amount and {$1.00} for One time payment will be added.
A fee of 3.95 % of your payment amount and {$1.00} for Recurring payment will be added.
ONE-TIME PAYMENT USING CHECKING OR SAVINGS ACCOUNT.
A fee of {$1.00} will be added.
All applicable fees will be displayed after you enter your payment information. You will have the ability to review any applicable service fee before you submit your payment.
You also have several fee-free payment options : RECURRING PAYMENT USING CHECKING OR SAVINGS ACCOUNT.
No service fees are applicable when setting up recurring payments using your checking or savings account.
MAIL CHECK OR MONEY ORDER.
Make your check or money order payable to your school and mail your payment to : XXXX XXXX, Attention : XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX. Be sure to include your Heartland Account in the memo section of your check or money order.
THIRD-PARTY BILL PAYMENT SERVICE.
You may use your banking institutions bill payment service or a third-party bill payment service. Please note that while there is no payment fee charged by XXXX XXXX, your bank or the third-party bill pay service may charge a fee to submit the payment on your behalf. '' -- -- -- Based on their fee list, the only plausible recourse for making a payment without incurring cost on the part of the borrower would be to enroll into their autopay system, as having checks printed cost money and so does postage.
The fact that a fee is charged for a using a checking or savings account to simply make a payment is ridiculous. Never have I encountered such a fee. It is simply consumer unfriendly.
Then, insult to injury, if the borrower is on a quarterly payment system, setting up autopay is not possible online. The borrower has to call them during their business hours and days : -- -- - " IMPORTANT MESSAGE FOR BORROWERS ON A QUARTERLY REPAYMENT SCHEDULE.
Please note that recurring payments are drawn on a monthly basis. If you are on a quarterly repayment schedule and wish to set up recurring payments that would draw from your account on a quarterly basis, you will need to contact Customer Service at XXXX "
|
| 05/04/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
Heartland XXXX has predatory fees associated with any payment not made by mail or automatic bill pay, the maximum frequency of which they allow is quarterly, which increases their profit margin by necessitating that interest have 3 months to accumulate between payments lest you incur a fee. Examples of such fees are {$1.00} per each online ACH payment, {$10.00} per each ACH payment by phone, 3.95 % of payment plus {$1.00} for each debit or credit card online payment, and 3.95 % of payment plus {$10.00} for each debit or credit card payment by phone. As such, I signed up for automatic ACH bill pay, the first payment of which ( {$120.00}, total amount due ) was supposed to go through on XX/XX/XXXX, the due date of my first loan to exit grace period. Despite the fact that I had enrolled in said bill pay weeks in advance, Heartland did not withdraw any money from my account on the specified date, and instead pushed back the due date displayed for the account on their website by a month. When I contacted customer support about this, I was informed in writing ( through their live chat service ) that the actual due date was XX/XX/19, despite multiple written invoices I had received to the contrary. When I confronted the customer service representative with the discrepancy, and asked if he could guarantee that no late fees would be processed to my account, he immediately hung up on me. When I entered the live chat again I was assigned the same representative who proceeded to completely ignore me and refused to transfer me to another representative or manager. A month later I received an invoice saying that I owe a late fee ( {$6.00} plus interest ) for payments not made by XX/XX/XXXX, despite the fact that I had correctly enrolled in automatic bill pay, which is the only free online payment service, and it was the company that never attempted to withdraw the money from my account, therefore not honoring their stated policy of allowing free automatic ACH payments. The only way I can pay this outstanding bill without incurring yet another fee is by mail. I believe that Heartland XXXX intentionally failed with withdraw money from my account in order to fraudulently incur a late fee, I believe that their customer service representative intentionally misled me to believe that I did not owe any money again in order to fraudulently incur a late fee, and I believe that their website " due date '' feature intentionally misrepresented the actual due date of funds ( changing magically from XX/XX/19 to XX/XX/19 ) again in order to fraudulently incur a late fee.
|
| 09/28/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
XXXX XXXX- corrupt, incompetent.
I have completed 2 XXXX degrees back to back with a XXXX GPA. I have not found any work since graduating in XX/XX/XXXX and I have applied for over 40 jobs at the XXXX XXXX XXXX where I live and I have not even been called for 1 interview. I have had my loan in deferment and I contacted XXXX in XX/XX/XXXX to ask about renewal and I was told to submit a renewal on XX/XX/XXXX. I did this, and then they denied my deferment and said they wanted 6 paper job applications mailed to them. I already regularly search the local employment agency jobs as required and I was connected to the manager of the agency of it by email and she sent me their online site so I could search for jobs. But the official employment agency site has old, expired jobs, and I use other much better sites such as the direct XXXX XXXX XXXX employment site, and direct business local job sites, that are much better.
In XX/XX/XXXX I emailed, and XX/XX/XXXX land mailed XXXX 10 job applications that I had submitted to the XXXX XXXX XXXX. They never acknowledged them and then they sent me a bill to pay. I called and they said they had not received my letter yet, but to ignore the bill. I called them again in XXXX, and XXXX several times and they told me they were back logged and that the person I spoke to should have never asked me to send them the additional applications that I submitted. They told me that I should receive a confirmation email of my deferment by XX/XX/XXXX, but I did not. Today, I received a past due bill from them telling me that I am in default, and have a bill due with late fees, and that I would have to pay collection fees, etc. I called them and each time I call I am told something different, this person today, told me to resubmit applications to them again. Today, I re/sent the email to them that shows that I submitted job applications back in XXXX, and had applied for a renewal of deferment then and I told them I needed them to put my loan back into deferment. Their response was that they just sent me a link to a deferment form and no comment. They are the most incompetent and fraudulent business I have ever had to do business with. I need my loan kept in deferment, I am XXXX!! I have to manage a health XXXX and their continual harassment is harming my health and making my XXXX worse. I need them to put my loan back in deferment and remove any fees, payments they have added, as none were due because I applied for my deferment before the one I had in place expired.
Please help me with this.
Thank you
|
| 02/23/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Heartland ECSI has been retaliating against me regarding my complaints about their service.
I obtained multiple student loans through my school, XXXX. For now, my school chooses to service its student loans through Heartland ECSI. My school put all student loans into forbearance until XX/XX/XXXX. Heartland ECSI sent me a false statement for XX/XX/XXXX saying I owed {$1200.00}. I then received another false statement for XX/XX/XXXX saying I owed {$1500.00}. Heartland said that it would fix the statements.
Heartland makes it extremely difficult and time consuming for borrowers to make payments towards a single loan. I prefer to apply extra payments to loans XXXX at a time to pay them off faster, thereby removing a payment. I also target the higher interest loans first. Heartland requires borrowers to make a payment, which is applied against each loan. In my experience, most of the money has gone to the lowest interest loans, thereby extending the length of the loans. Entering this payment takes a few days. The borrower must then contact XXXX 's customer service to enter a request to adjust the loan to be applied against only XXXX loan.
On XX/XX/XXXX, I made an extra payment of {$2800.00}. I then requested that this payment be applied to a single loan. Because Heartland had not fixed the false statements that it had been sending me since XXXX, I was misled into believing that my account was current. The next month, I was surprised when I was informed that I needed to make my monthly student loan payment for XXXX AND for XXXX.
It took many conversations over several months to figure out that this is what had happened. After I informed XXXX 's customer service rep that I was saving my conversations with them, Heartland removed the option from the end of my chats to save a PDF of the chat. I have been saving XXXX docs and screenshots now instead.
Just today, I was informed that if I want to keep making one-time extra payments in the manner that XXXX told me to many months ago, I need to be aware that Heartland XXXX deny my requests to adjust those payments to apply only to a single loan. Instead, the rep suggested that the preferred method is to set up an automatic recurring payment. That would be fine if I had a fixed extra amount that I was paying on a regular basis. But I do not. That means that XXXX 's default of applying payments to the lowest interest loans will lengthen the amount of time borrowers are forced to service their loans with XXXX and deal with their misleading and dishonest business practices.
|
| 03/13/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
Dispute the information with XXXX XXXX XXXX XXXX XXXX and with the credit report agencies.
The fee charges in the loan are not correct. They are charging me in past due {$2200.00} dollars additional to the principal balance of {$2400.00} of the student loan. I studied in the XXXX XXXX XXXX XXXX XXXX XXXX during XX/XX/XXXX to XX/XX/XXXXwhen I apply and received the student loan, and then I was transferred to the XXXX XXXX XXXX XXXX at XXXX XXXX and keep studying uninterrupted during the next years when I graduated in XX/XX/XXXX. Also, I have another consolidated student loan which I am still in a repayment plan, and paying as agreed in good standing.
XXXX are charging me the unexplained amount of {$2200.00} in past due amount loan. I never received letters from the XXXX XXXX XXXX XXXX or any of the campus that I studied, or any collection company regarding the student loan debt. The letters that XXXX sent was to a postal address in a XXXX XXXX from XXXX XXXX in which I no longer receive postal correspondence because I do not live in XXXX XXXX. Currently, I am living in the state of XXXX about two years ago, and lived previous years at different locations so I did not knew about the letters, but after the payment due date of the loan in XX/XX/XXXX, a relative who received the XXXX letter addressed to my name in XXXX XXXX could not forwarded me the letter to XXXX, because XXXX XXXX for that date was flogged by a hurricane and natural disaster so there was no communication of any kind.
Recently I spoke with a XXXX Customer Service Representative after i submitted a dispute with the Consumer Financial Protection Bureau in XX/XX/XXXX because they sent inaccurate information to the credit reports agencies, and I request to that person more information related to the past due charges of my student loan. The Customer Service representative let me know that they would send me a letter with the detailed information of the current and past due charges of my student loan. I am still waiting the requested information and details of the student loan, and why I have to pay past due charges if I never heard, or received notice calls or letters, with such information related to my student loan.
Principal Balance : {$2400.00} Past Due : {$2200.00} Total : {$4600.00} I tried to solve this matter with XXXX and didn't received any information from them, I created and updated my contact information in my profile account of XXXX because they had inaccurate information in their records.
|
| 09/06/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
XXXXXXXX XXXX and their Servicer, Heartland ECSI.
My Principal payments and Interest payments have been changing every few months without me being notified. This resulted in late fees and damage to my credit scores.
I have called them and asked them why the price changes, which they claim is variable interest rates changing every 3 monthd. But my principal amount owed each month also changes seemingly randomly which makes no sense. In addition, my interest owed each month is also inconsistent almost as if it changes every single month.
I also asked them why I do not received emailed billing statements even though i signed up for it on their system, and they would not answer.
They also would not explain why my payment owed changes every single month. I had the account on auto pay, but the amount changing every single month without notice caused the account to fall behind and they charged me late fees. I am at a point where I'm scared of this account and have to check it every single day to make sure I don't owe some random amount.
On XX/XX/XXXX I had to pay {$910.00} because of this issue. When I called them, they said it was not their problem and they could do nothing and did not give any explanations It happened again On XX/XX/XXXX I had to pay a total of {$860.00} because of this issue. Then on XX/XX/XXXX another charge of {$40.00} was owed for seemingly no reason Then on XX/XX/XXXX, another {$44.00} was owed without explanation.
I've reviewed the charges on the account and the principal amount owed each month is never the same and the interest raises randomly without notice.
Their customer support would only tell me variable interest rates and not explain how my payments went from {$130.00} to {$510.00} in 6 months with only a 1.7 % interest rate hike during this time.
They are gouging money from me and pushing me towards the brink of bankruptcy without remorse or explanation. And then they change the amount without sending me statements and charge me late fees. My payments went from {$130.00} to {$510.00} in 6 months without any warning or notification between changes and I have been charged fees for every single late payment because if these random and unannounced changes.
I was even told I still owed {$800.00} when my account only showed {$59.00} owed and they would not explain this. I never receive billing statements at my email like I signed up for and I can only access the statements after the fact, at which point they are of no help.
|
| 09/08/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I did not notice that anything was wrong with my student loans until this morning. I have paid my loan payment through auto-payment for years with the exact same checking account. No information for my checking account has changed. I never received statements from Campus Partners, who was previously my loan servicer until XXXX/XXXX/19. The only info I have received in years, other than tax forms, was notice recently that my servicer was changing. I have gotten no emails, phone calls, or paper bills.
This morning, I happened to get a notice from one of my credit card accounts that my credit score had changed. I pulled my credit report and discovered my score has dropped from an XXXX to a XXXX! I looked into the details and noticed my student loan payments through Campus Partners were marked as delinquent. This is the first and only time I was made aware of this, and only because I pulled my credit. {$140.00} has been debited from my account automatically on the 15th of every month for years. I tried to access my account on the Campus Partners website to see what was going on, but I no longer show as having an account with them. I also can not access my account through the new servicer.
I called my bank XXXX XXXX XXXX XXXX XXXX to see if they could help me figure out what happened. They said that they show zero efforts from Campus Partners to draft my account since XXXX of this year. There were no NSFs on my account. Ive had plenty of funds to make the payments every month. Campus Partners simply didnt do what I asked them to do and auto-draft the payment, nor did they tell me it was no longer set to autopay or that payments were late. They simply waited nearly 5 months and then reported me delinquent. Had my credit card not told me my credit score changed, I would still not know. The last draft on my checking account was on XXXX/XXXX/19 for {$140.00}. My bank said theyd be happy to provide info showing that no attempt was made to draft the funds and that no payments had ever been denied.
Im happy to pay every penny I owe, and I would have already done so, if Campus Partners had told me there was an issue with my payments. Ive never been delinquent on any debt in my life. Ive responsibly paid on this student loan for over 10 years, and I feel it is wrong for them to treat me this way. Ive spent years building my credit score of over an 800. This is simply unethical, and I ask for your help in resolving the issue and getting my credit restored.
|
| 05/11/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Company : Heartland ESCI Complaint : My Federal XXXX loan was transferred from my university ( XXXX XXXX XXXX at XXXX ) was transferred to a third part without informing me. I had it setup for recurring payments, and was receiving all of my tax documents via e-mail just fine. When it was transferred to Heartland ESCI, they informed me my account was due by calling my parents disconnected land line, so of course, I had no idea what happened, and my account when into debt collection. I did get a very supportive customer service assistant once I figured out the company was Heartland ESCI who helped me get a forbearance on the account in order for them to take it off my credit report. She literally gave me full, detailed instructions because she said there are a lot of small things people mess up on and then they end up paying and not getting it off their credit. Essentially, I mailed in a form, had to wait to hear back that they accepted the forbearance, and then I could start paying. They never informed me of the acceptance in a timely manner - they actually sent me a form saying my forbearance is up and my account was past due which was super confusing. So I paid the past due and the current due and setup automatic payments.
I started getting letters in the mail every week saying I was past due. I assumed this was from before, but then I kept getting them. I signed into my account and every time on the home page it said I only owed the amount my automatic payment would be paying for on the date it was owed ... today I was basically told I was going into collections again, so after waiting to chat with an associate for 75 minutes (!! ) I was told I had to go through several breadcrumbs in their UI to see the past due amount. If you go to make a payment, it doesn't even come up as an option, so I'd have to copy and paste that amount from an old statement. It's absolutely ridiculous. Honestly, with everything that's happened with this company I just paid off my loan amount in full today. I can afford it - what I can't afford is to be penalized by this company again. I literally don't have the countless hours needed to sit on hold, make assumptions from poor UI/Website design, etc.. Honestly, this shouldn't be this hard to navigate. My university 's loan website looked like it was made in 1992, but it was pretty darn clear. So I'm not sure if this is just plan bad design, or if it's predatory. I genuinely can't tell and it makes me uncomfortable.
|
| 08/22/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
I have had an absolutely terrible experience with XXXX ( formerly campus partners ) for small supplemental loan that I took out during XXXX school. The number one problem for me is that they keep charging me redundant late fees because they can not accurately apply my payments to my account. I agreed to pay the XXXX and XXXX ones ( after they told me that are " unable to make adjustments to the account '' or remove late fees ) but after I was charged a third one that was the last straw for me. The second and third ones occurred while the account was in autodraft status, so there should never have been an issue. Further, I was told that the third late fee occurred after I received correspondence saying I owed the second late fee ( which I never received despite accurately updating my address with the company ... .they actually confirmed that the letter was sent out one day after my address was changed ). Their response was that they can not be held responsible for the US postal service. Well apparently they ca n't be held responsible at all because the last person I spoke with on the phone confirmed that I had been erroneously charged the late fee but there was nothing she could do about it and no supervisor I could speak with ... my only option is to submit a request in writing by mail. Furthermore, XXXX of the XXXX customer service people have been extremely rude and unprofessional. Their online interface is archaic and prone to errors ( I am trying to pay my loan online as I type this but their site is " down for maintenance '' ). Every avenue with which I try to make a payment is associated with some kind of service charge. It is unbelievable how terrible his company is and how there is no hierarchy in their company so that I can speak with someone that may assist me adequately ... there is absolutely no accountability.
When asked on this site what my issues were, I would have checked all the boxes if I could. My problems have included : -Making payments, getting information about my loan, managing my account -Trouble with how payments are handled -Do n't agree with fees charged -Received bad information about my loan -Need information about my balance/terms -Keep getting calls about my loan -Having problems with customer service So essentially everything. Basically their customer service is terrible, their website/payment system is terrible, and they can continuously charge extra fees without any accountability. Worst company ever.
|
| 11/21/2023 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Loan opened without my consent or knowledge
|
|
Web |
Servicemember |
|
Ive received a 90 day late notice from Heartland ESCI ( attached to complaint ) dated XX/XX/2023 indicating that Im 90 days past due on an account I do not recognize. I also received a 105 day notice on XX/XX/2023. I've never established a business relationship with Heartland ESCI nor with XXXX University. Ive never received any servicing communication from either of these entities until receiving this notice which feels deceptive. How can I be 90 days or 105 past due on a loan Ive never originated or received the benefit of the loan proceeds?
Additionally, Im afraid that this is a scam. Im a former XXXX in the United States XXXX and thanks to my service have never had the need to take out a private student loan, certainly not one at 15 % interest. Ive never been enrolled in or taken courses at XXXX University. Ive not received any information related to this account prior to the 90 day late notice. I believe these are private student loans but Im unsure as Ive never approved the origination of a loan in my name at XXXX University. Im afraid to call any of the numbers included on these notices or online in case this is a phishing scam. The 90 day notice sent contains multiple unnamed XXXX XXXX XXXX and fails to provide any information as to what to do if I believe Ive been sent this notice in error.
On XX/XX/23 I drafted a formal letter and sent this notice to XXXX XXXX XXXX ( listed on the reverse of the letter ) and XXXX XXXX XXXX ( listed on the front of the letter ) asking for Heartland ECSI to provide me with more information related to this account but also asking for more information to ensure that Ive not been the victim of identity theft. These letters were sent certified mail on XX/XX/23. As of XX/XX/2023 I have not received any response. The notice containing two XXXX XXXX XXXX is confusing. Im confused as to how best to contact the firm without providing additional information about myself and potentially enabling further identity theft.
I believe this letter may be a scam as the reverse of the letter, nor the website, have a place where consumers without established accounts may submit a formal complaint or request assistance. I dont know how to contact this firms security department with my allegation of potential identity theft. Im not sure how I can best inform and thus protect myself from potential monetary harm or non-monetary harm such as negative credit reporting on a loan Ive never agreed to.
|
| 08/25/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Between the years of XXXX, I worked as a XXXX XXXX XXXX in XXXX XXXX XXXX. This employment qualifies me for deferment and cancellation of the XXXX XXXX I received as part of my graduate school financial aid package through the University XXXX XXXX XXXX For almost every year that I taught in this qualifying position XXXX XXXX XXXX XXXX XXXX ECSI XXXXXXXX has found one convoluted reason after another to reject my application for either deferment ( beginning of the school year ) or cancellation ( at the end of the school year. ) I have had zero issues with the XXXX XXXXXXXX XXXX XXXX XXXX which, in theory, works the same way. For example, one year they ( ECSI XXXXXXXX ) rejected my application because the school district checked boxes saying I XXXX in a XXXX XXXX ( true ) and at a XXXX XXXX XXXXl ( true ), but according to the company they were only allowed to choose XXXX option ( though both qualified me for the forgiveness program ). Most recently they have sent my loan to collections because I signed my forgiveness form with a digital signature ( which they had previously accepted and now suddenly accept again ). I have sent in the corrected paperwork, however, the company refuses to reinstate and cancel my loan. As I have fulfilled my obligation to XXXX in a XXXX XXXX XXXX XXXX XXXX ) in XXXX XXXX XXXX for five years, I believe that predatory lending practices on the part of ECSI XXXX are the only explanation for the situation I am now in. As a result of their malfeasance, I am not able to consolidate my other student loans for income-based repayment and PSLF because I do not want the XXXX Loan ( which is supposed to be canceled ) to be a part of that consolidation. ECSI XXXX needs to restore my loan and honor the cancellation I have rightfully earned. They also need to be prevented from preying on other lenders. I am attaching the form I originally sent during the XXXX school year that was rejected. ECSI has failed to even acknowledge the second form I mailed to them at the end of the XXXX year for cancellation. Unfortunately, I can not currently locate my own copy of this document, but I am confident my school district will again verify the completion of my contract at the end of the XXXX school year. It is, in fact, VERY EASY to verify that I have fulfilled my 5-year XXXX requirement. They are intentionally and obstinately ruining my life. Thank you for your help in resolving this distressing matter.
|
| 02/10/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
I graduated from XXXX in XX/XX/XXXX and have had the displeasure of having loans with XXXX XXXX.
First, it is impossible to make any kind of instant one-time payment without incurring a fee for making an additional payment, regardless of payment format. You CAN send a check in, but that will not reflect the interest charged during transit and before review.
So, if I want to pay off my loan early, I have to modify my recurring payment and wait until the auto-payment day comes. But heres where the real headache comes in. After spending 45 minutes on hold both on the phone and via their online chat, XXXX told me that they could not provide me with a full payoff amount. Thus, by the time my recurring loan payment goes through on, say, 15 days later, it will not be enough because of the 15 days of interest. But wait, theres more. XXXX will NOT let you set up a recurring payment for more than you owe on the day you set up the payment.
What does this mean for me? On XX/XX/XXXX, I wanted to pay off my entire {$3500.00} loan, so I set up a recurring payment for the next available date ( XX/XX/XXXX ). I was only able to set it up for {$3500.00} because that was the amount I owed on XX/XX/XXXX. Of course, today, XX/XX/XXXX, the amount I now owe is about {$3500.00}. So now I owe {$50.00} which will continue to accumulate interest. I can keep my recurring payment of {$3500.00} set up, which will take care of that {$50.00}, but then I have to wait 6-8 weeks before XXXX cuts me a check for my {$3400.00} overpayment. Well thats not going to work, so I modify the auto payment once again for {$50.00}. Of course by the time the auto payment kicks in I really owe {$55.00}, so now I need to await for another auto payment ( and further accumulation or interest ) before the full amount is paid off.
So, rather than pay off everything on XX/XX/XXXX, Im now forced to wait until sometime in XX/XX/XXXX just to pay off my XXXX loan. This is a terrible way to run a loan servicer and, frankly, I question whether it is legal to force borrowers to incur interest or a one-time-fee. It is literally impossible to avoid.
All I want to do is pay off my loan. Right now. And I cant do that. This seems highly unethical.
And to be clear, I am not the only one who has serious complaints about this company. Its online review pages are nearly unanimously terrible, and its public communication with borrowers is nonexistent.
|
| 02/13/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
My account number is not indicated on my statement.
My statements do not show the correct amount of interest paid for the calendar year. The individual payments online show the interest paid per payment, but there is no total indicated anywhere. My statements also show the individual amount paid, but then indicate {$0.00} interest paid for the calendar year.
When contacting the company XXXX regarding their information being incorrectly shown, and not readily available, their response was to individually look up every single payment and total the interest myself based on that history. I advised this is not an acceptable solution, as their statements which can be downloaded and saved are incorrect and do not indicate the interest paid per year. I was told to then go online and look at individual payments ( again ). Then I was told I needed to request that yearly summary from XXXX directly to receive the total interest paid if it was less than {$600.00}. So I requested a copy of this yearly statement ( as they had literally just told me I needed to, though this is not listed on the website anywhere ) and was told " you will be able to access that information online at any time ''. She is giving me the runaround through the entire conversation.
I then repeated that the statements online are incorrect. and she copied and pasted a blurb about the XXXX ( not the XXXX which I was asking about ) and how to dispute the XXXX I repeated my requests regarding incorrect statements and the yearly statement that apparently you have to request, and is not provided otherwise. Her response, " The loan is paid in full, what needs fixed? '' I am beyond frustrated and have asked to speak to a manager in which I am told I must call in, or request a call back within 48 hours.
I have never been more frustrated, and provided incorrect information with zero answers to my questions. I have 3 other loans with XXXX in which ALL of the requested information is not only provided on their website, but is easily accessed, totaled per calendar year, and life of loan, as well as correctly indicated on their statements that are available to be downloaded.
It is completely ridiculous that they are refusing to correct their statements which show the wrong information, when these statements are a more standard and reliable source to show the interest paid compared to screen shots of every single individual payment.
|
| 04/13/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
XXXX XXXX, XXXX, and XXXX do not provide adequate communication and information regarding loan payments.
I was making payments -- never missed any -- to XXXX when the service switched to XXXX XXXX. I've received exactly one email regarding the switch but had reasonable basis to doubt the legitimacy of the email because I visited XXXX and saw that the website now belongs to XXXX, and the content of the website mentioned absolutely nothing about XXXX XXXX. Therefore, I did not want to provide personal information to XXXX XXXX at the time due to this lack of conviction.
I did not know what happened to XXXX, and could not make payments because my auto payments were completely stopped. Hence the start of delinquent payments. I do not believe that the responsibility of this delinquency falls completely upon myself, but rather on XXXX XXXX and former XXXX as well due to little or no communication.
XXXX XXXX or former XXXX, did not handle communication properly by informing payees to change address, or at least email/call them to notify of delinquent payments. I live and rent at another address and was not given any opportunity to update my address. I would do so if I knew XXXX XXXX does not offer paperless communication. I finally received a physical statement of my balance due ( in horror ) when I return to my home address that I do not visit frequently. If XXXX XXXX XXXX goal is to collect payment, why hasn't it expanded the scope of communication to its payees? Unless this is an intentional and unethical tactic employed by the business to collect more on fees and interest of delinquent amounts.
I will take responsibility on my part that I have not reached out to see why my payment to XXXX have stopped. Therefore, when I receive the delinquent notice, I accept to pay the full amount which include late fees.
When I tried logging into XXXX XXXX, I could not click on " Make a Payment. '' The button was grayed out and when I tried using Guest Payment, it kept saying my account number is valid when I have confirmed it to be correct many times. At this point, I feel that XXXX XXXX is making it difficult for its members to make any payment, and therefore even prolong the delinquency.
And that is why I am filing the complaint now. I have no problem using XXXX XXXX, never have missed a payment there, and can prove that this delinquency is not intentional with my strong credit score.
|
| 11/09/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I currently have a federal Perkins loan which was taken out with my XXXX university, and currently serviced by XXXX XXXX XXXX XXXX XXXX XXXX ( Heartland/ESCI ).
The current balance on the loan is {$3000.00} as of XXXX XXXX, 2022.
I enrolled in auto-payments with the company several months ago ( I can not find in my records when, but I believe it was in XXXX ) and subsequently received email notifications monthly that my payments had been continuously taken from my account.
I never received a notification that any error had occurred or that a payment was not processed.
Tonight, on XXXX XXXX I received an unsolicited telephone call from a representative did not identify themselves as being from Heartland ESCI, only that they were calling in reference to a loan with XXXX XXXX ( the above referenced university ).
After asking " whether this was a good time, '' and I indicating it was not because I was working, he proceeded to tell me this was a " courtesy call '' about my " past due account. '' Inadvertently Heartland/ESCI had continually failed to withdraw money from my account ( either because the information was entered improperly or because the bank account associated with it was closed. ) but never indicated money had not been withdrawn to cover the account balance.
This practice has gone on for at least three months entirely without my knowledge. Heartland/ESCI made no attempt to contact me regarding failed or missed payments, and misrepresented that payments were being withdrawn from an account.
On XXXX XXXX, 2022 I made a {$110.00} payment to Heartland/ESCI which was apparently inclusive of debit card processing fees and {$10.00} in fees charged for missed payments.
Rather than alert me to the fact that my payments were not being processed, Heartland/ESCI decided to wait until I had amassed several payments and alert me to pay them at once.
I also am unable to navigate Heartland/ESCI 's website to find out which account is currently linked to my auto-pay. Their client-side web browser is clearly designed to confuse and obfuscate information to make repayment as difficult as possible, and any financial records with the servicer are not easily obtained.
This debt collection practice is patently unfair, and likely violates both federal law, as well as contractual obligations Heartland/ESCI has to fairly collection minimum payments from borrowers.
|
| 03/26/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
In XX/XX/XXXX I closed my XXXX account where my XXXX loan payments were drafted automatically every month without any delay. At that time, I setup through ECSI 's website an automatic payment to be drafted from my XXXX account starting on XX/XX/XXXX even increasing my minimum payment of {$59.00} to {$81.00}. I noticed that my account was drafted on XXXX and assumed that I had setup correctly the automatic payments. On XXXX XXXX I received a call from XXXX ( XXXX XXXX ) stating that the XXXX payment has not been received and I was due XXXX, XXXX and a fee of {$30.00}. Immediately, I called XXXX and spoke with a representative by the name of XXXX and explained him that I tried to setup through their website the automatic payments, and please go ahead to take my new XXXX account information where the monthly dues were to be drafted. He advised it had been done and starting XX/XX/XXXX at that time I went ahead and made a payment through the website for {$150.00} which represented XXXX, XXXX and the late fee. In XXXX XXXX I called again because I received another call and when I called back I spoke with XXXX. She advised that the XXXX payment was still missing and that I owed XXXX ( again ), XXXX ( in XXXX ) and another {$30.00} fee totaling {$210.00}. At that moment I requested automatic payments to stop thinking that XXXX had declined the transaction. I went ahead and called XXXX to ask for an explanation where they told me they had not received any request to debit my account from XXXX or XXXX. Then I called back to ECSI and was advised that they tried again to collect in XXXX from XXXX and could n't collected the payment ( even when I had specifically asked for that account to be removed from the system ) and that the payment I submitted of {$150.00} did n't cover the XXXX payment because it was applied to interests and I was due XXXX, XXXX and a fee of {$35.00}. Note that I have not been late since I started with this loan. I see this as a very unfair practice from this lender and I recommend the CFPB to look into this as they are collecting fees unfairly from their borrowers due to a mistake in the way their system is configured and poorly trained representatives. Such fee I have been advised twice that is not possible to be removed. I am supposed still to receive a call from a supervisor in XXXX business hours. I appreciate your time.
|
| 05/02/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
This is the THIRD complaint I am filling against Campus Partners within the last couple of months.
The last complaint ( Case # XXXX ) was sent on XX/XX/XXXX. It has yet to be responded to within the Consumer Financial Protection portal. The most recent response was to the first complaint in which they claim that I had not sent necessary paper work over the past year. They neglected to mention that I have been calling them to check the status of my account and faxing completed paperwork for the past year.
Finally, on XXXX/XXXX/XXXX, I was able to reach a knowledgeable customer service representative, XXXX -- employee # XXXX, who researched the correspondence and discovered that I HAD initially sent the CORRECTLY completed paperwork in XXXX XXXX. As a result, she in turn apologized, corrected the issue, but unfortunately only sent correspondence to XXXX. Shortly after, I noted the one-sided correction, I filed another complaint requesting Campus Partners to correct the issue by sending CORRECTLY UPDATED information to ALL XXXX credit bureaus.
Since, I had not received a correspondence through your portal from them, I checked my credit report today XXXX/XXXX/XXXX at XXXX ( I hand't done so during the weekend ).
I was INFURIATED to see that rather than correcting the issue by sending the properly updated records to ALL XXXX credit bureaus, they, AGAIN, sent derogatory information to XXXX stating that I have defaulted.
NOW my credit report states that I am defaulted on the same loan that XXXX, employee # XXXX, told me was originally misfiled in XXXX of XXXX, and shortly thereafter on XX/XX/XXXX she sent updated information to XXXX.
After seeing this, I called Campus Partners today, XXXX/XXXX/XXXX, at XXXX XXXX. and spoke to XXXX, employee # XXXX. Initially, XXXX stated that my account information was unavailable because the information was being transferred. After I demanded an explanation to the recent errors on their behalf, she was able to locate a screen shot of my account and claimed that she would correct the issue by sending the proper update to XXXX, XXXX and XXXX.
Unfortunately, I do not have faith that matters will be properly handled, as this has been an issue for an entire year. It took an ENTIRE year for them to ADMIT to THEIR error, which caused ME to be seen as an unworthy credit applicant.
|
| 10/10/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
When I remit a payment by paper check to ECSI, the student loan servicer for Perkins loans issued by the University XXXX, I indicate on the check and on the remittance stub that the proceeds of the check are to be applied to the current month 's payment as well as to the next month ( s ) payment. For example, if the monthly payment amount is {$43.00}, then I will write a check for {$86.00}, and will clearly indicate on the face of the check and on the remittance stub that the payment is for the current month and the next month ( e.g. XX/XX/2016 and XX/XX/2016 ). However, ECSI does not apply the payments correctly. Instead, they apply the full balance to satisfy the current month 's obligation and apply the remainder to reduce the principal balance. They then fail to apply a payment for the next month and assess a late fee for a missed payment. ECSI then sends out a billing statement that indicates that the account is past due, that a late fee has been assessed, and that the account will be reported as delinquent to the credit bureaus. Upon contacting ECSI to resolve the issue, I am routinely informed by their customer service supervisors that their current payment application system can not accommodate such requests by borrowers to apply payments across multiple months. They often agree to waive the late fees as a " courtesy, '' but can be quite rude during the whole process. Moreover, when I request documentation regarding how payments are applied and documentation regarding the credit reporting status for the account, the customer service supervisors refuse to provide the information and instead state on the phone that the fees were waived and there are no issues that would require them to send documents.
ECSI routinely refuses to apply payments as requested, and knowingly and willingly violates the wishes and clear intentions of borrowers making payments. They do not allow borrowers to prepay on accounts, and instead assess late fees and threaten borrowers with negative credit reporting despite the fact that the borrower 's account should be and is current. In order to have payments reapplied correctly, I have had to call them and be subject to the intimidating and harassing tone of supervisors who only reluctantly correct account servicing errors such as those described above.
|
| 12/14/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
Hello I contacted the Heartland ECSI and set up and E account in XX/XX/XXXX. Time passed and around XX/XX/XXXX. I contacted Heartland ECSI to confirm the balance could still be paid. I was told yes and that the account was XXXX and would be applied immediately to XXXX XXXX XXXX. So I paid a outstanding tuition balance in the amount of {$950.00} it cleared my account on XX/XX/XXXX via ACH Debit using my chase checking account XX/XX/XXXX. Web Id is noted below.
EDUCATIONAL COMP EPAYMENT XXXX WEB ID : XXXX ACH debit {$950.00} Since I completed the transaction online via my Heartland account portal XX/XX/XXXX. I followed up on the XXXX with Heartland ECSI and the customer service representative XXXX XXXX Told me the amount had been paid in full.
I contacted the XXXX XXXX XXXX registrar 's office to request transcripts XX/XX/XXXX. XXXX Student accounts office explained that they have several active services with Heartland ECSI but past due tuition collections for my XXXX student account was no longer a service they partnered with Heartland ECSI. Specifically I spoke with Mrs. XXXX who is Director of Student accounts ( XXXX ) a made it clear to me in certain terms that I needed to request a refund from ECSI and pay the university directly. That the information I received from the previous Director of Student accounts was no longer accurate.
I immediately followed up with Heartland ECSI repeatedly contacting there offices, requesting a refund which they have refused to give me. I spoke with 3 customer service reps two managers and was told don't call anymore and that I would never see my money again. Every heartland ecsi representative has told me that they can see the payment and that the monies are sitting in some XXXX account that the University ( XXXX ) has access to so they consider it paid. The University has told me that this account is associated with a service agreement that is no longer active so they do not access this account. I insisted but to their defense I did not pay the University I paid Heartland ECSI and they can not provide proof of payment to XXXX. I call repeatedly in XXXX of each year only to find that my money sent to them 2 years ago to this day are still sitting on the companies books in some erroneous XXXX account and have not been paid to XXXX XXXX XXXX.
|
| 08/28/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I received a bill that stated that my forbearance ends XX/XX/XXXX and I would need to begin making payments beginning XX/XX/XXXX. First payment amount was {$82.00}.
I had scheduled " bill pay '' of {$140.00} ( I had planned to pay more than what was due - {$82.00} ) with my bank.
I realized that my bill pay would not happen BEFORE XX/XX/XXXX, so I cancelled the bill pay and contacted both XXXX notifying them and then I also contacted XXXX State University.
I made the XXXX payment XXXX {$82.00} ) on XX/XX/XXXX using the XXXX payment system. I paid a ~ {$4.00} fee to do so. I did not pay the {$140.00} that I had planned because the fee attached was based on the amount of the payment so to keep the fee low, I only paid what was due.
My next payment of {$40.00} was due on XX/XX/XXXX. I made that payment via my bank 's bill pay system. That check was cashed on XX/XX/2018.
My next payment of {$40.00} was due on XX/XX/XXXX. I made that payment via my bank 's bill pay system. That check was cashed on XX/XX/2018.
I have been in repayment status since XX/XX/2018 ( 3 months ). Since I have made payments for all amounts due, when they were due and in the amount due, how is it that I have {$140.00} past due? They claimed I was three months behind in payments when I made all of the payments ( see below )? That does not add up.
Please see the table below that shows a breakdown of payments due and payments made. The amount due ( {$160.00} ) is equal to the amount paid ( {$160.00} ) It appears that they sent me a past due bill for the {$140.00} payment that I cancelled. That was NOT an invoiced amount. The invoiced amount was {$82.00} and that was paid, in full, on XX/XX/XXXX.
Due Date Amount Due Amount Paid Paid date Check # check cashed date XX/XX/2018 {$82.00} {$82.00} XX/XX/2018 N/A N/A used XXXX system XX/XX/2018 {$40.00} {$40.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 {$40.00} {$40.00} XX/XX/2018 XXXX/XXXX/4625 XX/XX/2018 TOTAL {$160.00} {$160.00} XXXX corrected my payment records and account, but they reported to the credit bureaus that I was 60 days past due, even though I wasn't.
I contacted heartland XXXX and XXXX State University twice via email to see if they have corrected my credit reports. I have not received a response from either XXXX or XXXX State University.
|
| 03/08/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
Servicemember |
|
For three years, I submitted the appropriate documentation to XXXX XXXX for deferment of my XXXX Loan towards cancellation. Three years in, XXXX XXXX was bought out by XXXX XXXX, and this is when I began having issues. XXXX XXXX claimed they never received documents mailed directly to their PO BOX ( with PII ), or never received faxes. ( I faxed my documents to XXXX XXXX with zero issues for the previous three years ). Finally when the five years ended and I was able to officially cancel my loan, I was told that I didn't meet the requirements. To me, if I didn't meet the requirements, the three years of paper work with XXXX XXXX and the one worth of paperwork with Heartland should have never been approved. The first time it was denied, I requested to speak to a supervisor and was told that supervisors did not have phones and therefore I could not talk to one. They said I could resubmit for secondary review. I wrote a letter describing why I was qualified, and provided five years worth of documentation that I had been deferred towards cancellation. Again, I was told these documents were not received, and was given an email address to send the documents to. Upon Supervisor review, I was told that my job description did not meet the requirements towards cancellation ( the same job description I had provided for the past 5 years ). If this job description was not good enough, then why was it approved towards cancellation the past five years? I again called Heartland and told them I was going to report them to the CFPB. It was then that they said " you've said one of our key phrases, you may now talk to a supervisor ''. I told them what I had been told previously about the supervisors not having phones. They said that information was incorrect. After speaking with a supervisor, I faxed additional supporting documents ( letter from my supervisor and a more detailed job description ) regarding my position, to justify it meets the loan cancellation requirements. I contacted Heartland and they stated they had received no such documents ( this same thing was told to me almost every time i submitted documents to Heartland ). I then mailed the documents and am currently waiting for them to be received and reviewed by a supervisor. Currently, this issue has NOT been resolved.
|
| 08/19/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
I have recently contacted Campus Partners to discuss available options regarding my monthly payment. While I am current on my monthly payments I explained my current financial situation and my concern to fulfill my future monthly obligations. Ultimately, I expressed my intentions to be proactive prior to accumulating missed payments in the future then continuing to fall further behind. Each representative had expressed similarly that they can appreciate my effort to reframe from missing future payments, yet there are no additional repayment options available for me. They continued to explain that if I was currently 31 days or more past due other options would be available at that time. If they are capable of offering other payment options after 31 days past due, they certainly can make those same options available to those that are struggling to avoid late payments. Therefore, after different attempts to voice my concern with various representatives, Campus Partners will still not provide me with an alternative repayment option to avoid missing payments due to my financial situation.
Since graduating in 2013, each of my federal and private student loans has now transferred to repayment status. I have continued to place my federal loans in forbearance in order to afford the private loans and other monthly expenses. After graduation, the income I accumulated from my employment was insufficient to pay for each private student loan I acquired over my collegiate years. Therefore, I was compelled to utilize the brief forbearance period allowed which is no longer available. Over the last few years, I have been blessed to obtain advancements in my career, which have generated increased wages. Even though my income has increased, the payment obligation for each monthly expense and student loan continues to exceed my total monthly income. Currently I receive about XXXX a month after taxes. My total expense which include current student loans being repaid is about XXXX. If I forgo other monthly expenses and limit my grocery/personal budget, the total expenses could be reduced to about XXXX. Even if the forbearance option was available, I would prefer not to delay my obligations. In conclusion, I would greatly benefit from lowering my monthly private student loan payment.
|
| 02/15/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
ISSUE : XXXX XXXX mishandled or misapplied loan payment, incorrectly charged {$35.00} late fee, charges an exorbitant " servicing '' fee per transaction, and refused to answer any questions about payments.
BACKGROUND : I have two outstanding Perkins loans from XXXX College for {$2300.00} and {$1700.00}. XXXX XXXX, a subsidiary of XXXX XXXX XXXX, services those loans. I made my first payment for about {$50.00} after my loans exited deferment. I did not receive a notice that my payment did not go through. My subsequent bill advised that I owed 2 payments for {$110.00}. I immediately made a payment on XX/XX/XXXX with an additional " service fee '' for {$1.00}. I made sure to enter in the correct bank account number. I received a payment confirmation on XX/XX/XXXX at XXXX XXXX. I did not receive any notice that my payment was declined or cancelled.
On XX/XX/XXXX I received a " Second Past Due Notice '' advising that I owed {$130.00}. I immediately went to XXXX XXXX 's website and opted to make a debit card payment ( in lieu of a payment from bank account ). The requested amount was {$190.00} -- this was a different number than the {$130.00} quoted on their past due notice. I made a debit card payment. XXXX XXXX charges an additional {$8.00} " service fee '' to process credit card/debit card payments. The total amount I paid was {$200.00}. I received a confirmation email at XXXX XXXX that my payment was received.
After, I attempted contact XXXX XXXX 's customer service through the chat box. XXXX was the customer service agent that responded to me. I asked 1 ) why my payment did not go through ; 2 ) why they charged such a high service fee for credit cards ; 3 ) and if they had any record of my payments. She flatly refused to answer my questions. She advised I should contact my school, XXXX College. After asking why she could not answer my questions she proceeded to immediately terminate my conversation with her, close the chat box, and making it impossible for me to copy and paste our conversation.
COMPLAINT : 1 ) XXXX XXXX is mishandling student loan payments and unfairly and unlawfully charging late fees. 2 ) XXXX XXXX refuses to engage with student borrowers, answer questions, and provides false and misleading information to student borrowers.
|
| 07/11/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
On XX/XX/2018 I received an email from XXXX XXXX notifying me that my loan payment was past due : " This is a reminder that your student loan payment with XXXX XXXXXXXX XXXX XXXX was due on XX/XX/2018 in the amount of XXXX plus any applicable fees payable to XXXX XXXX XXXX XXXX. If you have already made this payment, please disregard this notice. '' Up to this point, my loan was serviced by XXXX on behalf of XXXXXXXX XXXX, with which I had automatic payments set up to quarterly draw the payment from my checking account. I was not notified by XXXX XXXX XXXX nor XXXX XXXX about this transfer of providers until this email referenced above on XX/XX/2018 ( 6 days after the due date of XX/XX/XXXX.
After initially assuming this email was scam, since I was never notified of any change to my loan provider, this month I attempted to call Heartland to make the payment. The day I tried accessing their website, it was not working. I called and spoke to " XXXX '', who told me that their " internal systems '' were down, and to call back today ( XX/XX/2018 ) to make the payment.
I accessed their website today, and learned that Heartland charges a 3.95 % fee for all one time payments, plus a {$1.00} service charge. Which is fine - I'm planning to make recurring payments anyway. However, the website prevents me from scheduling recurring payments on the " past due '' amount from XXXX - effectively forcing me to ay penalties on the amount, while I was never even notified before the XX/XX/XXXX payment was due. I've had multiple conversations with their customer service " advocates '' - most recently with " XXXX '' who told me that they can't waive the one-time payment fee on the website, and that I have to make a one time payment, being charged a fee for simply paying them.
This seems fraudulent, and blatantly set up to entrap student loan holders in fees for servicing their loans. The company has not provided me with any information. Alternatively, I've been told that if I provide my bank checking account routing and account numbers over the phone, and then I won't be charged a fee -- who in their right mind would give out their bank account numbers over the phone to a complete stranger? These practices are questionable at best, and fraudulent at worst.
|
| 05/28/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
First, their website is not-user friendly and has multiple barriers to making on-time payments, but most notably, their customer service is deceptive and inequitable. They encouraged me to set up an automatic payment after my due date and told me I would not be reported for a late payment if I had one scheduled. I asked twice for confirmation. I called again when they sent me another notice to confirm, I even offered to move my payment date. I even became too uncomfortable with the situation and so on my final call they assisted me in setting up to pay the loan in full on my next due date ( the due date they listed on the the notice ). YET they reported me as late. Their explanation was that my due date ( the one they chose ) was the first of the month and since they report to the credit bureau on the last of the month, they had to report me as late. YET I had called on the last of the month ( which they admitted they had documentation of ) to pay the loan in FULL! They did not communicate that they would be reporting me THAT DAY. I told them to schedule the full payment and they could have scheduled it for that day but instead they waited to withdraw it two days later. Even thought I had called that day and offered to pay the loan in full, and even scheduled to have the loan be paid in full, they reported me to the bureau.
When I called to confront them they said that they had documented that I had declined to schedule a payment earlier in the month ( even though they also have it documented that I did schedule one on my own ) and that I had scheduled to pay it in full after the reporting date ( it was schedule for the due date THEY gave me which was the day after they had planned to report me ). I point blank asked if I would be reported and that my intentions were to pay off the loan, I was told NO. This is fraud, I have the phone call history of calling them three times before my due date. Ethical customer service would have said " hey, since youre going to pay it off in full, why don't you pay today to prevent a past due report? '' This is a horrible company that does not support borrowers, that does not provide ethical customer service and lies in their documentation. Now my credit score is tarnished due to their deceitful actions.
|
| 05/12/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have been in contact with the company called XXXX XXXX to resolve an issue that I experienced with their online payment system. In the previous times I have spoke to them they have tried to say that I was asking for a good faith adjustment to disregard my request. This is not about a good faith adjustment but rather the issue I experienced with their auto pay online system that caused for me to have a delinquent account. I was not notified about the delinquent account either which is not very good business on their end. They let a loyal and good paying customer go delinquent on an account that they were on time with every month on auto pay and didnt think to call when there was an issue. When I signed back in to their online system to add my new bank account and set it up on auto pay for the remainder ( Just a few months ) of the installment. The system made a mistake and only made a single payment instead of submitting my auto pay request to the company. Im not sure why or how this happened. But explained to the company that Ive never missed any other payments in my entire history and it is evident that all my payments are all on auto pay. The reason I mention this is to giv them a clear understanding of what kind of consumer I am. Everything I do is on auto pay. The only reason I even found this delinquency was bevause I signed in to my account to get tax info when I was preparing my taxes for XX/XX/XXXX in XX/XX/XXXX. I found that they were saying it was passed due and delinquent and instantly paid it. I was not notified that it was reported to the credit bureau until months later when I applied for another mortgage and my lender asked me what happened to my credit. In the long run this mistake by campus partners is going to cost me tens of thousands of dollars and I will be taking further action legally if this does not get resolved. I buy houses for a living and their costly mistake with their system not setting me up on auto pay like I requested ... them not notifying me of a missed payment ... and not notifying me of a bill getting reported to the credit bureau is unacceptable. The online system did not function properly for auto pay and has caused this to happen which I have explained to the company on multiple occasions
|
| 05/16/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I have a student loan serviced by Heartland ECSI. Or rather, they have purchased my student loan debt from another company.
I set up automatic monthly payments for my loan in XXXX of XXXX. Months later, I looked at a paper statement and saw that I somehow owed a past due balance.
First of all, the information on the paper statement never matches the information provided by customer service representatives or the website. I'm sure there is some kind of explanation for this, but it is incredibly confusing for the consumer. It took me hours of looking at the website and trying to get ahold of customer service ( which I was unable to do ), and I thought I figured it out finally and paid what I thought was the past due part of that ( {$22.00} and change I think ), and let my regular payment be deducted automatically. This was in XX/XX/XXXX. At that time, I was told that my monthly payment is {$74.00}, and I set up automatic payments for {$75.00}.
Today, XX/XX/XXXX, I received a paper bill in the mail that says I owe {$150.00} again. Current amount due : {$74.00}, Past due amount : {$78.00}, Fees due : {$5.00}. I immediately used the virtual assistant to be connected to an online chat with a customer service representative. The virtual assistant said I owed {$82.00}. Already not matching the info I have. The customer service rep said the fees were valid but that I only needed to pay {$8.00} to clear up the issue. Even more different information. Then, my conversation was bounced from the chat and I got a notification that it should be open in another browser window, which it was not. So, I sent an email to file a formal complaint, which bounced back saying I couldn't email due to " privacy concerns ''. So, I got back on the online chat with a new rep. This rep says the autopay system allowed me to set up my automatic payments for the XXXX every month even though my payments are due on the XXXX, and they want to charge me late fees. I chose the XXXX from a list of dates offered in the autopay system and was not informed until today that that would cause me to be charged late fees. I find that completely unacceptable. I also find it unacceptable that I'm being told so much contradictory information about what I owe.
|
| 10/09/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
Heartland ECSI has a predatory payment fees structure. It purposely provides users with a misleading outline of payment processing fees. More specifically, it states that you can make a payment without incurring a processing fee by using direct debit through your checking or savings account. However, when you go to make a payment, both debit card and direct payment from bank ( checking or savings ) are available options. When you select either of these options, they both have fees ( 3.95 % for debit card and {$1.00} for direct bank payment, respectively ). This is purposely confusing and misleading. The ECSI FAQ on fee structures is also confusing and has language borderline contradictory to other information on fees ECSI provides. Furthermore, there is no option provided when making a payment to select a fee-free method ( I can not locate this " direct debit through bank '' option ). Upon investigating more, I've found that there is no fee-free method of conducting a one-time payment. The only way to pay fee-free is to set up a reoccurring direct debit payment, which is effectively no different than a one-time payment via the same direct debit payment method ( however, the one-time version charges the {$1.00} fee ). There should be no obligation for an individual to have to consent to reoccurring withdrawals from their bank account to get access to fee-free online payments. Forcing an individual to consent to this is both anti-consumer and puts them at risk.
What I find most disturbing is that, based on their fee structure, there is no way to make fee-free online payments toward your loans until they are actively accruing interest. In an attempt to avoid paying the fees, I tried signing up to make regular direct debit payments from my bank. However, I wasn't able to change the date when the payments are made, and the date was locked to a date after my loans become active and start accruing interest. This should be illegal ( if it isn't already ). There is objectively no difference in the processing cost of these payments for Heartland if they occur before vs. after the loans become active. To allow fee-free direct bank payments only after the loan starts accruing interest is purposely predatory.
|
| 05/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I disputed with XXXX XXXXXXXX XXXX ( XXXX ) about something they reported on my credit report on XX/XX/2020. XXXX never responded back to me and instead got Heartland ECSI to respond on XX/XX/2020, in which they said Heartland ECSI handles these types of things for them. I sent them a letter asking for something bearing my signature, which they did not provide me within the allotted time by the FCRA. I also pointed out to them that they have an account number containing all X 's ( ex ... " xxxxxxxxxxxxxxx '' ), there was no date of last payment, there was no date of first delinquency and that the account needed to b removed immediately. I am not sure who's account number they are reporting as " xxxxxxxxxxxxxxxx ''. That is not complete or accurate information and I am not sure who that account can belong to, but that is how its reported on my credit report.
Heartland ECSI responded saying that the information was accurate and they also stated that they would report to the CRA that this account was being disputed and they will continue to report it that way until I request they don't. I also sent them another letter, showing them that they also broke the law by not reporting this to the Credit reporting Agency within 30 days like they told me they were. I sent them a credit report dated XX/XX/2020 in which it showed they did not report the account as disputed. I also sent multiple letters to XXXX as well and this is still reported on my report.
Heartland ECSI and XXXX broke the law multiple times by not reporting accurate and complete information that I could use to verify this account, and they also did not report this to the CRA as being disputed for OVER 4 MONTHS. I have run my credit report almost every week for the last year and 4 months after, they still did not follow the law. They have still not provided me any documents and they have still not given me an account number, date of first delinquency, and everything else I asked for. This account should be deleted and removed IMMEDIATELY as they have broken the law and the FCRA multiple times, even after I have written them multiple letters. My original letter was sent to XXXX XXXXXXXX XXXX and they did not respond until well over 90 days.
|
| 02/18/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XX/XX/XXXX I was given a Perkins Loan for {$3000.00} which I paid {$1400.00} of while it was deferred during my doctoral program. The loan balance was transferred from Campus Partners ( whom I had paid previously ) to the Department of Education ECSI Federal Perkins Loan Servicer in XX/XX/XXXX ( according to a phone call I had with an ECSI employee on XX/XX/XXXX ). I attempted to track down information for repayment around the time of my graduation ( XX/XX/XXXX ) and saw Dep of ED/ECSI Federal Perkins Loan Servicer '' listed as the servicer, but I was unable to find any account or repayment information and the website link on the studentaid.gov site went to an invalid website ( see attachments ). I thus waited for someone to contact me about this but was never contacted by my former school, Campus Partners, ECSI, DOE Default Resolution Group nor the collections agency assisting them, regarding methods for repayment. I have since learned that ECSI and the subsequent servicer ( Department of Education Default Resolution Group ) had an address on file in a state in which I have never lived ( Maine ) and no email address. In XX/XX/XXXX I had my credit checked while attempting to purchase a home and was notified of a defaulted loan and given the contact information for ECSI to resolve the problem. I learned that my loan was now being managed by a collections agency ( XXXX XXXX XXXX ) and the Department of Education Default Resolution Group. I paid it off immediately and my account was closed in XX/XX/XXXX ( see attached letter from DOE ). According to a phone call with ECSI on XX/XX/XXXX, my first payment was due to ECSI on XX/XX/XXXX, and they confirmed an incorrect address in Maine. They also stated that they made the report to the credit bureaus regarding my defaulted loan, which has lowered my credit score by 100 points and significantly impaired my ability to buy a home. I would like the Department of Education/ECSI and/or the Default Resolutions Group to remove this XX/XX/XXXX and XX/XX/XXXX marks from my credit report ASAP, as I made every effort to fulfill the terms of my loan and repay in a timely fashion, but was unable to identify the servicer until my loan was already in default.
|
| 02/13/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I took a XXXX student ( XXXX ) and XXXX XXXX XXXX ( XXXX ) from XXXX university in XX/XX/XXXX which were both sent to collection agency conserve in XX/XX/XXXX. I fully paid both of these loans through conserve XX/XX/XXXX at the amount of {$8900.00} total and have attached the documents to this email stating I have fully paid both loans and have a balance of {$0.00}. A few months ago, the XXXX student loan that was already paid off was again taken to a different collection agency, XXXX XXXX XXXX. The portal XXXX XXXX showed that the entire payment was put towards the XXXX XXXX XXXX and {$0.00} to the XXXX student loan making it look as if I overpaid one loan and didn't pay at all for the other. I contacted them and XXXX university, as well as conserve who all have said I have a {$0.00} balance and owe {$0.00} and was told this would be taken care of. I logged on to XXXX again and now instead of showing the XXXX student loan is in collections ( it should show " paid in full '', it shows that I owe {$990.00} with a payment of {$40.00} due on XX/XX/XXXX. I called XXXX again and they told me they were contacted by a XXXX university staff member, XXXX XXXX, stating that I still owe this much money toward the XXXX student loan. I again contacted XXXX university 's XXXX 's office and financial aid office and they have said I do not owe any money and my account balance is {$0.00}. i was told to email the documents as well as a description of the issues to the XXXX University treasury to get this straightened out and for XXXX to be contacted to correct this error and show that both loans ( XXXX XXXX and XXXX student have been paid in full, which I did on XX/XX/XXXX, however I have no recieved any response or confirmation that this issue is being taken care of. My credit report now shows a delinquency of a {$990.00} payment that does not exist and I have contacted these three companies numerous times since XX/XX/XXXX and nobody seems to be helping to solve this problem. I have attached the documents of proof from conserve collection agency that both of these loans are paid in full.
**THE PASSWORD FOR THE DOCUMENT IS : XXXX Thank you, XXXX XXXX Student ID @ XXXX
|
| 02/20/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I am a full-time XXXX University student, currently enrolled in classes, and will graduate in XX/XX/XXXX. I hold two private student loans from XXXX University totaling an amount of {$7000.00}. My loans are serviced by XXXX XXXX.
On XX/XX/XXXX, while on winter break from XXXX and while enrolled full-time for spring-semester classes, with no break in my enrollment, I received an email from XXXX XXXX indicating that a new billing statement had been generated for my student loan account with them ; I assumed this was standard procedure, and that pursuant to the terms of my loan with XXXX I would not be billed until after graduating certainly not while enrolled full-time in classes.
Roughly one month later, on XX/XX/XXXX while back at school from winter break, and actually physically taking classes full-time, I received another form email from XXXX XXXX indicating that my student loan account was now past due. I called XXXX the following morning, and after waiting nearly an hour to speak to a customer service representative, I was told that " the clearinghouse hasn't sent us information that you're in classes yet, so you should talk to your school. '' I repeatedly asked for clarification, as I didn't understand what the customer service representative said by " clearinghouse, '' and the representative simply repeated the same answer each time until I gave up attempting to gain more insight from them and hung up.
I emailed my financial aid advisor at XXXX on XX/XX/XXXX, asking them to please help me notify XXXX that I'm enrolled full-time and shouldn't be charged, and have received no response.
Last week, on Wednesday, XX/XX/XXXX, my parents received a bill in the mail for {$150.00}, which indicated that my account was " past due '' and that this amount would have to be paid by XX/XX/XXXX, to bring my account back into good standing. To be clear, again : I am enrolled full-time in classes at the institution which has given me this loan and am explicitly not expected to make payments while enrolled full time. XXXX has given me no way to indicate this to their satisfaction, and now I am afraid their negligence may negatively impact my credit score.
|
| 07/22/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have a XXXX XXXX student loan account in which the payments and principal are being handled by Heartland ECSI. I graduated from XXXX XXXX XXXX in XX/XX/XXXX. This particular loan was in the amount of {$5500.00}. Since the payments started being deducted from my personal bank account by Heartland ECSI in XXXX, I have not missed a single payment. The monthly withdrawals are {$58.00}. Moreover, I have 100 % payment history with all other accounts on my credit report for the entire span of my credit history, as well as zero derogatory remarks.
However, in XXXX, XXXX, and XXXX of XXXX, the regular payments were not withdrawn from my account. The loan company has reported these as 30 and 60 day late payments on my account, and I fear a 90+ day late payment will strike my account any day now. I called the company and they did not provide me a reason for why this happened and told me there was nothing they can do. There was no communication to me about the missed payments either. No emails, letters, phone calls, or online account notifications about missed payments.
It was only when my credit score was critically impacted that I was notified that any payments were missed. My credit score has decreased more than 100 points, putting me in a very difficult situation. Just recently, I was meant to cosign for an apartment lease for my mother so that she can be closer to her job. My application was rejected by the leasing agent, and I could not guarantor her lease because of how negatively this situation has affected my credit score. I can not find her a home to live in until this is resolved. This is a very time sensitive issue, her lease at her current residence is expiring within the year.
I always have money in my accounts because I am diligent about paying my debts. Integrity is one of my core values as a human being and I would greatly appreciate help in this difficult time. This entire situation has been extremely disheartening, particularly because there was no fault of my own. I am very worried about how unbearable this will become if it is not resolved as soon as possible. I look forward to hearing your response.
Respectfully, XXXX XXXX
|
| 02/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XX/XX/2014 I signed up for a class with the XXXX XXXX XXXX XXXX XXXX. The financial obligation statement signed states " I agree that by registering for courses within the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), I am financially obligated for ALL costs related to the registered course ( s ). Upon a drop or withdrawal, I agree that I will be responsible for all charges as noted in the student catalog and handbook. I further understand that if I do not make payment in full, my account may be reported to the credit bureau and/or turned over to an outside collection agency. I also agree to pay for the fees of any collection agency, which may be based on a percentage of the debt up to a maximum of 35 %, and all additional costs and expenses, including any protested check fees, court filing costs and reasonable attorney 's fees, which will add significant costs to my account balance. '' This statement does not say anything about loan terms. It does not specify an overdue balance being categorized as a loan. No line of credit was provided. The statement does not specify any type of monthly payment agreement. The only thing this statement says regarding credit is " ... if I do not make payment in full, my account may be reported to the credit bureau and/or turned over to an outside collection agency. '' However, this organization is categorizing this balance as an unsecured loan, on a revolving account with a monthly payment obligation, now reporting 32 missed payments on my credit report. Since XX/XX/2014 I have been actively trying to get this reporting resolved with XXXX themselves, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX the collection agency managing the account, and the credit bureaus. When referencing the fair credit reporting act, the institutions actions are in violations in multiple ways. The financial obligation statement is vague and does not clearly explain how they are treating past due balances. With the exception of the credit bureaus, none of these organizations have responded to me directly after multiple disputes. They also have no documentation that outlines a service term, loan agreement or line credit being extended.
|
| 11/24/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I took out several loans as an XXXX between XXXX and XXXX. In XXXX I paid off all of the loans as they appeared in my student account, yet in XX/XX/XXXX I received a letter from a loan provider ( ECSI ) stating that I owed payment on a XXXX loan in the amount of {$1500.00}. After 2 weeks of calls back and forth between ECSI and my university ( XXXX XXXX XXXX XXXX XXXX XXXX, I eventually learned that XXXX neglected to process this loan until XXXX, which is why I never saw it on my student account and why I didn't pay it off.
I have since spent hours of my time reaching out to XXXX asking for two simple pieces of information : 1. Can they provide me with proof that I accepted this loan in XXXX, and 2. Can they provide me with an explanation about why this loan remained unprocessed for a decade, and therefore unknown to me. Each time I have contacted the university by submitting a help desk ticket, they have told me to contact ECSI and closed the ticket. I have submitted new tickets and explained that ECSI actually can not provide me with these answers, and XXXX provides the same response before closing the ticket again. I have also called XXXX several times, and even left work early to go to the university in person, but the response has always been the same : rude, dismissive, and extremely unhelpful. One agent even told me that this loan remained unprocessed because I was partially enrolled at the university between XXXX and XXXX, which is just blatantly untrue ; I graduated in XXXX and moved out of the country, so was in no way, shape or form still enrolled. I did return to XXXX for a graduate program in XXXX, and graduated in XXXX - I can only assume that my graduation is what triggered this whole mess.
I find myself feeling incredibly frustrated at the university and their blatant disinterest in helping me solve a problem that is theirs to solve. I do not understand how they neglected to process a loan for a decade, yet can not provide me with any explanation about how this happened. I've been operating under the assumption that all of my loans have been paid, and it's overwhelming to learn that this is not actually the case.
|
| 06/02/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Background : I have a federal XXXX student loan with ECSI Heartland that I took out from XXXX. The original balance was XXXX and I currently have approximately XXXX remaining. I put my account on auto-debit prior to XXXX of XXXX so I wouldn't have to worry about missing a payment. ECSI auto-debited {$110.00} from my checking account each month prior to XXXX of XXXX. In XXXX of XXXX they did not auto-debit my account and I received a notification that month that my loans had been deferred because of COVID-19. Each statement I received in each month thereafter showed that I had a past due balance of {$0.00} ( see attached statements ).
This morning I was unexpectedly charged {$110.00} dollars ( the amount of my monthly payments ) on my XXXX loan by my servicer, ECSI Heartland. Logging in to my account, the online portal told me I had a past due balance of {$280.00}, and that now, with the {$110.00} auto-debit, I still owed {$170.00}.
I had not made a payment since XX/XX/XXXX due to COVID-19 forbearance and received a bill of {$0.00} each month since then. I was under the impression that XXXX loans, as federally-subsidized loans, were in forbearance until XX/XX/XXXX and had not received information to the contrary.
When I called and asked why my account was auto-debited and why I suddenly had a past due balance, the person I spoke with told me my loans were no longer in forbearance. When I asked why, she told me that XXXX XXXX " aren't part of the XXXX Department of Education '' ( WHAT? since when? ) and therefore ECSI didn't have to follow the CARES Act or the deferral issued by the President this spring.
She also told me that the past due balance was for an unpaid month -- XX/XX/XXXX. When I asked her why it would be unpaid if I had enacted auto-debit, she told me that my auto-debit had been " temporary. '' When I asked why ECSI then was able to suddenly resurrect my auto-debit in XXXX, she could not answer.
I was not notified that ECSI was not party to all other federal loan regulations. I was not notified that I had a past due balance for two years. I was not notified that my audo-debit would resume this month.
|
| 06/01/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I was charged a {$6.00} " late fee '' for the month of XX/XX/XXXX, even though I paid my bill for the month of XX/XX/XXXX. When I called, the 1st agent told me the system was down so, XXXX couldn't see my account. So I hung up and called back immediately, I spoke to XXXX who then lied and said that I didnt pay in XX/XX/XXXXdo that is why in XX/XX/XXXX i'm being charged a 'late fee '' however I have records proving that I paid the XXXX bill right after the billing statement was sent. XXXX then hands the phone over to XXXX who then say that XXXX " misspoke '' and that the " late fee '' was because the XX/XX/XXXX payment was late. I further explained to him that ALL of my loan payments have been late and they have NEVER added a late fee because I always paid by the XX/XX/XXXX of the month. XXXX then tells me that it is company policy that after 10 days a late fee is added. I asked him where on the billing statement does it say that policy and where on the website does it say that policy? He says its on the website and " is basic knowledge '', I then ask him to tell me exactly where it says that " basic knowledge ''. After further review he comes back says it's not on the website and it is not on the billing statement but then says that on the billing statement that a late fee MAY be applied. However i explained to him if that was the case then there should've been a late fee every month because I've never paid the bill on time. His only explanation is that it was late so they added a " late fee '' even though it has always been paid late and never been given a late fee until now. this company has unwritten policies unbeknownst to the people they are billing and they are making up rules when they feel like to people they want to XXXX over. Also they generate their bill statements inconsistently. the bill statement for XX/XX/XXXX came 1 week before the bill was due and the bill statement XX/XX/XXXX came 3 weeks before the due date. Also the billing statement says it was generated on XX/XX/XXXX yet it says its 15 days past due. a bill CAN NOT be 15 days past due if you generated it on XX/XX/XXXX. They are liars and scammers.
|
| 06/17/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I attended XXXX University for XXXX school and have a private loan through the university that is serviced by a third party lender, XXXX XXXX. In XX/XX/XXXX, I made an early payment ( usually the loan is due the XXXX of each month ). I did not realize that the payment ( which I received electronic billing ) went all to principle. A few days after the XX/XX/XXXX, the university financial office called to inform me that I had fallen behind in payments. I have made payments every month on time since it has come out of the grace period from graduating residency. I immediately made my XXXX payment - which finally was applied to the " bill '' which had the loan interest included. XXXX rolls around, and I try to pay with electronic account from my checking. It is understandable that I could have made an error once with punching the numbers in. That particular payment was not processed. I tried again to make a payment online with direct checking numbers - and again, it was not processed. I had been paying with this account for every month prior. I finally called on XX/XX/XXXX to make a phone payment - which by the way is a {$10.00} transaction fee. If you use a credit card or your debit card, then it 's XXXX dollar fee plus a 3.75 % interest fee on top of that. So I make the phone payment after talking to a representative from XXXX telling her it was for my XX/XX/XXXX bill. Now my university again calls me - on XX/XX/XXXX - stating I am late on my XX/XX/XXXX payment. I log-in to my account and much to my chagrin, the lady who applied my payment on XX/XX/XXXX for a XX/XX/XXXX bill - APPLIED IT ALL ON PRINCIPLE!!!!!! Why would I apply a bill payment to principle that is due IN ONE WEEK? I asked to make my payment for XX/XX/XXXX to the lady at XXXX - either this is intentional and a scam to make additional late fee money - or this employee and subsequent company is one of the most inept businesses/lenders.
Now I am being harassed by my alum/institution for a payment that was never late. I 'm glad I went to school all these years to XXXX XXXX and be raked over the coals by my institution and their inept third party lender.
|
| 09/22/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
I was recently shocked to learn that my credit card had been terminated due to either " recent delinquency, '' or a " public record reported '' by a credit bureau. This prompted me to access my credit report through Experian, at which time I discovered that my federal Perkins loan was in default after having been sent to collections. I had never, in any way, been contacted by my lending company, ( Campus Partners, now Hartland ECSI ) - meaning, I never received a Notice of Intent to Offset ( a written notice of the type and amount of the debt when a loan is delinquent ). This notice is guaranteed to me through my rights as a debtor and is described in the Federal Register, under 31 U.S.C. 3716 ( Document Citation - 78 FR 41677 ). Additionally, I never received monthly billing notices regarding this debt. Neither the collector ( XXXX XXXX , XXXX ), lending company, nor educational institution ( XXXX XXXX ) has been capable of telling me the amount that I owe. As I understand it, according to the Policy Direction Memo on Federal Student Loan Servicing from the XXXX Department of Education, this information, along with my Notice of Intent and monthly billing notices, are assets I can reasonably expect within this situation, and yet they have not been afforded to me.
However, this is not merely or primarily an issue of default, as I am fortunate enough to be in a position to pay off the loan in full ( and have been since the loan fell under repayment ). The real problem has been the damage done to my credit report. I am reluctant to simply pay the debt in total because that might mean forfeiting the possibility of expunging my record of the loan 's default and collection status. Had I received any communication at all - written, electronic, or even a phone call - this loan would never have been sent to a collector or placed into default status. I fear what might have happened had I not been prompted to look into the situation further after my line of credit had been terminated. My hope is that I may pay the loan off in full as quickly as possible and have my credit report restored to its previous condition.
|
| 04/23/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
In early XXXX, I noticed I was unable to access account information on XXXX XXXX. There was no advance notification. Upon contacting customer service, I was told the loan was being transferred, and no further information is available, and no payments could be made.
Now, I finally received notification of the loan transfer to Heartland. I then had to signup with Heartland for loan repayments. However, nowhere in the process did it mention the XXXX payment. It was totally unclear whether payments were for future installments, the past installment, or a combination thereof. I had to discuss with a representative, who had no idea if an XXXX payment was made, who then manually changed my XXXX payment to also cover the XXXX payment. There was no communication regarding the XXXX payment, or whether the new payments would cover the XXXX installment until I had to discuss and explain to them the loan change. This should not be the case. The loan company should be the one explaining how the loans are being bought and sold, not me explaining to the loan company how they are doing their business. Of course, the notice also mentions that late fees are waived for 60 days from the changeover, but during half that time I was unable to even access the account! If I had not been so careful in reading the documents and comparing financial payments to the 2 different servicers, I have no doubt that 60 days would have passed before any missing payments would have been noticed, and at that time, per their policy I would have been charged a late fee. However, there seems to be no repercussions for Heartland failing to keep their own records up to date, as I was told sometimes things are " delayed. '' I spent a significant amount of time with the CSR trying to understand why these delays are occurring and why there is a discrepancy between 60 days and 90 days, which is what they were quoting on the phone and in chats. At some point they told me, and then confirmed, that XXXX considers XXXX to be 60 days from XXXX for purposes of the transition, because of the missing XXXX payment which they were heretofore unaware of!
|
| 01/30/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Good afternoon, I have a XXXX loan from XXXX XXXX XXXX that is currently managed by ECSI. I XXXX with my XXXX in XXXX of XXXX, and immediately went to XXXX school at XXXX University ( staring in XX/XX/XXXX ), where I then graduated in XXXX of XXXX. My XXXX loan was thus in deferment for all of graduate school and 9 months after my graduation, meaning the first payment should have been due in XXXX of XXXX.
I received a bill from ECSI for XXXX of XXXX, 3 months early. I contacted them directly and pointed out the error. They insisted it was not an error, and that my time as a student at XXXX " does not count ''. Not only is that not what all the documentation I have says, it is worth noting that this doesn't even match ECSI 's own records ; it does not show interest beginning to accumulate while I was in graduate school, so this was internally inconsistent, too.
When I pointed the representative to a website explaining the terms of XXXX loans, her response was to claim that XXXX loans are " not Federal Student Aid ''. You will find these quotes in the attached document.
When I was unable to reach any resolution with ECSI, I spoke with XXXX XXXX at XXXX, who was able to confirm that ECSI was in error. I received an email from her on XX/XX/XXXX confirming that my information had been updated with ECSI and the error had been corrected, and that the 9 month grace period had been applied, so I expected a bill in XXXX.
Today, I received a bill in the mail from ECSI showing that I have XXXX months of past due bills : XXXX for XXXX, and XXXX for XXXX, plus a {$5.00} charge. This is the first bill I have received from them. I just spoke to yet another ECSI agent who is trying to tell me that the initial deferment period is 6 months.
This bill is wrong, and I have already spent hours getting it corrected, only to have them send it again, late, with overdue fees. This is negligent at best, and at worst, exploitative.
I am attaching a transcript of the XX/XX/XXXX conversation as well as the email from XXXX, and then the follow-up conversation from today ( XX/XX/XXXX ).
|
| 06/29/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/XXXX, I called XXXX XXXX XXXX of XXXX, NY in order to gain information regarding an allegedly defaulted student loan account in my name.
I was put in touch with a XXXX XXXX, who insisted that I owed a total of {$1100.00}. This was in stark contrast with the amount listed on my Federal Student Aid account, which listed a due principal of {$820.00} with {$0.00} interest due.
When I presented this information to XXXX XXXX, he became agitated and hostile, insisting that I owed an additional {$350.00} in interest charges.
I pointed out to XXXX XXXX that I could not possibly owe Security Credit Systems that much, as this loan was serviced by another credit agency before XX/XX/XXXX, before being transferred to XXXX XXXX XXXX after that date by my original loan provider, XXXX XXXX, as disclosed to me with XXXX XXXX business office in a conversation which took place on XX/XX/XXXX. XXXX XXXX XXXX has serviced this loan for less than two weeks, and yet they are claiming I owe roughly 45 % of my principal balance in interest charges, to quote XXXX XXXX.
XXXX XXXX then vacillated between claims that these interest charges were imposed by XXXX XXXX XXXX and, alternatively, the federal government. When I stated that these interest charges couldnt possibly be imposed by the federal government, as the Federal Student Aid website currently lists due interest charges for this loan at {$0.00}, XXXX XXXX again grew angry and demanded that I pay the requested amount immediately.
It is clear to me, based on the very short length of time XXXX XXXX XXXX has serviced this debt and the significant discrepancy between XXXX . XXXX claims and the official amount listed as due on the Federal Student Aid website, that this is an attempt to charge an exorbitant and potentially usurious amount of money that I do not owe. These actions are in clear violation and, at the time, render me unable to pay my proper debts.
XXXX XXXX XXXX is making wildly fraudulent demands, and should be appropriately reprimanded for their unethical, predatory, and potentially illegal behavior.
|
| 01/30/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
FTC My family business was using TSYS to process credit card transactions but switched to a different provider about two years ago. Unbeknownst to us, TSYS continued to withdraw fees from our bank account every month. We called them on XX/XX/2022 after receiving emails about being out of compliance. This was strange to us since we were not aware at that point that we still had an open account. On that phone call, we thought we had closed our account and therefore would stop being charged. However, upon reviewing our XXXX bank statement, we discovered they had charged {$750.00} that month and {$410.00} in XXXX, after we officially closed the account. When we called TSYS again today, they revealed that there were two other accounts under our business name and that the first one still wasnt closed either. We were not aware at any time that there were multiple accounts nor that we could be charged such outrageous fees without ever using their service or even being aware of the accounts existence. TSYS refused to issue any refund or even close the additional two accounts retroactively, making a number of excuses as to why they couldnt do so. It should have been obvious when we called the first time that any accounts under our name should be closed, especially since there had been no activity for many months and we were adamant about not being charged any more. At the very least their representative should have identified any other open accounts under our business name so we could address them all at the same time. Now they want to charge us again in a few days, claiming the charges are for XXXX and since we didnt cancel before XXXX we owe them fees for noncompliance. This is nothing but a predatory shakedown by a big bank that has cost us {$16000.00} over two years, for nothing! They have provided no service. They simply claim they can grab money from our bank account for being out of compliance on accounts we either thought were already closed or didnt know existed. How many other small businesses are they ripping off? This warrants a full investigation.
|
| 07/08/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
My loan was originally taken out through XXXX XXXX XXXX XXXX. Without notifying me, they then transferred the loan to XXXX XXXX. XXXX then told me I had to contact a different servicer, ECSI. ECSI now has two of my loans and every single time I call to speak with them they confuse what loan I am calling to speak about, which is a hindrance but I can deal with it. My main complaint is that when talking with a representative from ECSI in XXXX to discuss taking my loan off of automatic repayment, they told me that I had a " grace period '' from the XXXX of the month until the XXXX to pay. What they did not tell me was that my interest rate would go up, increasing the amount I have to pay every month, and that additionally I would be accruing interest every day that the loan goes unpaid. I have been facing payments more than I paid before, and they now include interest charges on top of that. Every representative I have spoken to since has said that the information I was given was wrong, but they will not do anything to take off the interest charges. Additionally, my billing statement has a lower amount due than what I am told to pay when I log in. I am attaching documentation of what I was told to pay, and receipt of my payment for that amount rather than the higher one. " Included with the documentation is a chat log from today, XXXX XXXX, 2016, when I was told that my interest rate was raised. I never received correspondence about this. It is supposed to be a fixed interest rate, and I am assuming it was raised when I turned off recurring payments but apparently there is no way to get it back down now that it is with a different servicer. I was told during a chat with a representative that " some credit unions give discounts if you are on reoccurring payments but theres no way i can tell you if your credit union lendkey had you consolidate with is one of those '' ( XXXX ). I am extremely tired of not knowing what happened with my loan, my interest rates going up, my monthly payments changing, and being told misinformation that costs me money.
|
| 01/25/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
With the increasing awareness on tactics of predatory student loans I believe there is cause for a lawsuit regarding my student loans carried by ECSI.
At XXXX XX/XX/XXXX ( Tuesday ) I was unable to reach ECSI to pay my loan. Their web help line was unavailable and their phone lines indicated there was a 20min wait time. After leaving a message to be called back, my number was never returned. I 've attempted to contact ECSI many times in the past with similar problems.
Considering my significant balance with ECSI of {$53000.00}, my monthly interest accrual is approximately {$210.00} per day, so around {$7.00} per day.
Delays in the ability to conduct payments or discuss account problems causes undue financial burdens on the customer.
Moreover, when trying to give a one time payment on my account, I am unable to pay the same day or day after and only have the option of paying on specified days put forth by the loan company, the soonest date being XX/XX/2017. By delaying my payment of {$25000.00} until XX/XX/XXXX, I continue to accrue a higher debt load as the loan balance is higher over further increasing the amount of interest owed. Also, as I 'm unable to put in a one time payment, I need to set the auto payment to {$25000.00}, have the payment go through on XX/XX/XXXX and then login again and switch the auto payments back to the monthly amount. NO OTHER STUDENT LOAN COMPANY makes their customers do this. This also sets people up for failure. Moreover, their website is down frequently and is very difficult to navigate making mistakes more likely.
After finally getting through to a customer service representative, he confirmed that yes, there was not way to electronically put in y payment sooner than XX/XX/XXXX. He also said they were updating their website and he would send me the link to the new one but he never sent it. I asked why I was n't able to access this when I searched for their site online.
Please please look into this company. I had loans with XXXX and this company is going the same thing! Sincerely, XXXX XXXX, XXXX
|
| 01/19/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
Heartland ECSI has me set up for quarterly payment withdrawals, the XX/XX/XXXX quarterly payment went through correctly. On XX/XX/XXXX, Heartland generated a bill that I did not receive in the mail until today, that bill has incorrect information regarding my quarterly payment dates, outstanding balance and past due balance. A fee of {$1.00} was charged on XX/XX/XXXX for my past due balance on that date. The interest charges and past due balance appear to have continued to accrue and increase after the incorrect quarterly payment date on the bill of XX/XX/XXXX.
Yesterday morning, on a Federal holiday, Heartland 's collections division called to collect on my " past due '' balance. I refused to provide Heartland 's extremely-agressive collection agent my Social Security number or birthday as I could not verify that the incoming call was actually coming from Heartland. When I tried to call back, I was informed that Heartland was closed for the holiday. I logged in and paid my " past due '' balance of {$26.00} to avoid a late payment strike on my credit report. On their website I put the XX/XX/XXXX bill next to the previous bill and noted all of the discrepancies between the two for the dates, expected payments and balances. I double checked my auto payment settings and they were all setup correctly. When I paid my additional payment, I was charged an ACH fee of {$1.00} for the convenience of using this service.
Today I began calling Heartland at 7 am. I have now spent four hours listening to hold music. I have asked to be called back three times and have not received any response whatsoever.
This is not the first time that Heartland has made errors with processing the auto payments I setup on their website. The one late payment on my credit report is from Heartland making this exact same error in XXXX
In short, my complaint is that Heartland is deliberately making administrative " errors '' to fraudulently drive up ACH, late fee and penalty interest revenues, using the threat of negative credit reporting to keep the suckers in line.
|
| 01/25/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
With the increasing awareness on tactics of predatory student loans I believe there is cause for a investigation in the student loan company ECSI.
At XXXX XXXX XXXX ( Tuesday ) I was unable to reach ECSI to pay my loan. Their web help line was unavailable and their phone lines indicated there was a 20min wait time. After leaving a message to be called back, my number was never returned. I 've attempted to contact ECSI many times in the past with similar problems.
Considering my significant balance with ECSI of {$53000.00}, my monthly interest accrual is approximately {$210.00} per day, so around {$7.00} per day.
Delays in the ability to conduct payments or discuss account problems causes undue financial burdens on the customer.
Moreover, when trying to give a one time payment on my account, I am unable to pay the same day or day after and only have the option of paying on specified days put forth by the loan company, the soonest date being XXXX XXXX, 2017. By delaying my payment of {$25000.00} until the XXXX, I continue to accrue a higher debt load as the loan balance is higher over further increasing the amount of interest owed. Also, as I 'm unable to put in a one time payment, I need to set the auto payment to {$25000.00}, have the payment go through on XXXX XXXX and then login again and switch the auto payments back to the monthly amount. NO OTHER STUDENT LOAN COMPANY makes their customers do this. This also sets people up for failure. Moreover, their website is down frequently and is very difficult to navigate making mistakes more likely.
After finally getting through to a customer service representative, he confirmed that yes, there was not way to electronically put in my payment sooner than XXXX XXXX. He also said they were updating their website and he would send me the link to the new one but he never sent it. I asked why I was n't able to access this when I searched for their site online.
Please please look into this company. I had loans with XXXX and this company is going the same thing! Sincerely, XXXX XXXX, XXXX
|
| 07/10/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
Hi, I was contacted last year by XXXX XXXX XXXX, formally XXXX XXXX XXXX, about a student loan I was unaware that I had. They provided me a loan payment book with coupons that I was to send in every month with a check. The book also included a website where I could register to pay my loan off online. I paid the first installment via check on XXXX XXXX, XXXX. This check was cashed.
I then tried to register on XXXX, but was unable to because my SSN was not registered with their system. Fine, I thought, they have my wrong SSN, but they were still able to cash my checks, so I'll just pay them this way. I continued to pay them monthly using the coupon book.
However, I became increasingly frustrated in XX/XX/XXXX when I tried to contact them via phone in order to resolve the SSN issue. I wanted access to my account. I wanted to see what I owed and why, and what type of loan it was. I had NO information and NO access.
I couldn't speak with anyone though because either my SSN or my account number were required to move forward with the call. As I mentioned, my SSN didn't work, and it turns out that my account number wasn't registering with them either. This made no sense to me because my account number is printed on every single coupon I have. Further, I found it suspicious that they are able to cash my check every month with an incorrect SSN and an incorrect account number. I tried to contact them via email, but was unable to because I needed my account number for that as well.
Lastly, today I logged onto National Student Loan Data System and saw that while I could account for the 8 subsidized and unsubsidized loans and the 1 I pay through heartland, I could not find a 10th loan, which is what this loan is. I am paying off 10 loans, but can only find evidence of 9. My credit report also does not show that I owe XXXX anything.
I don't know what this loan is and I have no way of finding any information out because this company has made it literally impossible for me to contact them. And yet, they have no problem cashing my checks.
|
| 06/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have about three student loan accounts open that at the time were with Heartland ECSI or ECSI as they represent themselves. These loans totaled to be for about {$8000.00} and that includes interest. During the time my account was with them I entered it into a forbearance period that was posted on my account XX/XX/XXXX and back dated to cover me for XX/XX/XXXX - XX/XX/XXXX. I reached out to customer service and they said it had been accepted. In XX/XX/XXXX I received a notice from the US Dept of Ed saying my account was in Default and if I did not take action Immediately my wages, taxes would be garnished. I contacted them immediately. I told them my account was in fact in forbearance. They didnt care they kept saying it was defaulted. I set up a income driven plan and they told me if i did this it would not show up badly on my credit report. A few months later the account became a collections account and I am unable to get a governmental job or a Mortgage because my Student loans is showing as a collections account. I contacted Heartland ECSI about the handling of my account they confirmed my account has been in forbearance for the period opf XX/XX/XXXX-XX/XX/XXXX but they could not provide me with any documentation to give to the US Dept of Ed to correct the inaccuracies that have been placed on my account. The only advise they could give me was to wait it out. I have contacted Heartland and its sister company Heartland Federal countless times in the last few weeks to correct the error and they keep passing me around to one another. ECSI tell me to talk to Heartland Fed, Heartland Fed or FSA told me that I need to submit documentation. ECSI has my documentation but they refuse to give it to me. Ive spoken with supervisors such as XXXX on XX/XX/XXXX who said she could not give my my documentation stating it was policy and I have spoken with customer representatives such as XXXX, XXXX, XXXX, XXXX and others who have all said they see the information but they can not provide it to me. I feel railroaded, and out of options.
|
| 12/17/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
hello I was due to begin paying a loan for the total amount of {$2000.00}, with the first statement being billed on XX/XX/22 for {$170.00}, a private loan through XXXX XXXX and ECSI. The email in which I was receiving notifications on was hacked at the time and I did not have access to the notifications being received as well as the mails being sent to the wrong address. Given the unprecedented pandemic situation related to student loans, and unclear communications constantly changing, I was under the impression after not receiving clear communication that all of my loans were under the federal deferment related to XXXX. These loans were subsequently late by 2 months due to the miscommunication rather than my inability to pay the loan in full, one on XXXXXX/XX/22 and one on XX/XX/22, however had three alerts on my credit report negatively affecting my credit score, two being after the date the loan was paid in full and two late payments on my credit report. The loan was paid in full on XX/XX/22, however negatively affected my credit score in the medium term and also causing me to get denied for a credit card in which I was applying for through my place of employment ( XXXX XXXX XXXX denied for on XX/XX/22 ).
I believe at the very least I should have one late payment on my credit score, not two, given the loan was paid in full on XX/XX/22 and I got docked for XX/XX/22 and XX/XX/22 so that is just an error. However, I believe given the unprecedented nature of the communication, my clear ability to pay the balance promptly when properly notified, and the error of late payments justifies the fact to discredit the negative affects of the 2 late payments on my credit score as well as a denial of application of credit.
I hope these comments are taken into consideration and the righteous improvements due to the error of the debt collection agency and or/XXXX XXXXXXXX in inaccurately reporting a credit past due is worthy of a correction and subsequent improvement to current credit score.
Thank you, XXXX XXXX XXXX XXXX XXXX
|
| 04/05/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
For over two months, we have gone to the website, XXXX, to try to pay off my son 's Perkins Loan. First 2 times I called and was given various info but wouldnt ' let me pay the loan payment because it 's my son 's account - I 'm his mom and I 'm on the loan papers ( which is ridiculous since I am giving them money, not trying to take it out! ). Secondly we can not get online because after 2 months, we still keep getting error messages ( see below ) that either tells us either the account is no longer with them ( but they do n't say where, why, what, anything ) or most of the time it still says it 's not available but try back later. So we mailed the payment in - it took 4 weeks to get credited for our payment XXXX XXXX for XXXX XXXX payment but posted XXXX XXXX ( it went to XXXX, XXXX, but the check is payable to XXXX, XXXX - we live right next to XXXX in XXXX, XXXX, but we ca n't take it there just to pay it faster, they wo n't take it ), then they submit that payment as a late payment to the credit agencies! We again have tried to call and pay or pay on the website but the hours are only XXXX-XXXX ET, Monday through Friday. During that time period we both work, and can not call them ( my son is in a XXXX, I work for the XXXX leaving the house at XXXX XXXX. and getting home anytime around XXXX XXXX. ) except the few times we tried to call at about XXXX XXXX, we were either put on hold forever or no one answers at all! When we try to pay online and it continues to indicate ( still after 2 months ) try back later? Now we have to mail it in again ( now it says a different company owns them - a XXXX company - ECSI? ) and now it will take them another 4 weeks to post and we will again get credited as a late payment! This is so frustrating! We have no answer why we ca n't pay online, and every time we call, either I get a road block or my son ( its his loan ) ca n't get someone to answer the phone. All we want to do is PAY THE LOAN OFF! and they are making it impossible and ruining credit scores at the same time!
|
| 10/27/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
My XXXX institution, XXXX XXXX, is the loan servicer for my federal Perkins student loan and they contract with Heartland Educational Computer Systems , Inc. ( Heartland ECSI ) for the billing and electronic processing of loan payments. Last year, I applied for and was granted forbearance for this loan, which soon coincided with the coronavirus pandemic and the Secretary of Education directing the office of Federal Student Aid to suspend loan payments and stop collections on defaulted loans in XX/XX/2020. Since this relief was extended to the end of XXXX, I assumed that I would not have to make payments on my Perkins loan until then. That has been the case for my Stafford loan, which is managed by a different loan servicer and is not collecting payments unless I choose to.
However, in XX/XX/2020, Heartland ECSI ignored the directive from the Secretary of Education and sent me a billing statement once my forbearance expired. Nowhere in this statement did it mention COVID-19 relief or any messaging consistent with the Department of Education. It was as if the pandemic wasn't happening at all.
I made a good faith assumption that this was an error from an automated system, so I ignored the billing statement and waited for a notice from Heartland ECSI explaining their mistake. Instead, the billing statements kept coming for XXXX, XXXX, and now XXXX. Heartland ECSI is now sending threatening past due notices, saying, " It's important to act now. If you don't pay the overdue amount on your Federal Perkins Loan or contact us within 15 days of this letter, we'll proceed in collecting the full amount of your loan plus late fees, interest, collection costs, and attorney fees. '' Once again, this notice did not mention COVID-19 relief and is in direct violation of the directive to suspend loan payments and stop collections. Based on the billing statements, they are also charging 5 % interest instead of the 0 % interest rate that the Department of Education had mandated for the rest of this year.
|
| 01/09/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
The summary is that Heartland ECSI charged a late fee for a payment I missed. However, when I made the payment they did not apply anything to the late fee and instead let it accrue for several months. After the missed payment I established a monthly withdraw from my bank account to ensure a payment was not missed. So for months my bank account was being charged. But the company never applied any of my payments to the late fee. Nor attempted to notify me that a late fee still applied.
The late fee was first charge in XXXX in the amount of XXXX and continued into XXXX when I logged in to check this account, under the assumption that it was current, and saw that the amount due ( usually XXXX ) was now XXXX. This is when I saw that none of my payments ever applied to the late fee. However when I applied the first manual payment in XXXX to pay this account I saw that XXXX was due after I made the payment.
I attempted to deal with the customer service but they insisted that it was my fault for not making a separate payment just for the late fees and that recurring payments would never be applied to a late fee. I was then told that the manual payment that showed XXXX due, only applied to the recurring amount due and that I should have known the late fee would require a separate payment.
The attachment below shows 3 consecutive billing statements that show a late fee, and show that a payment was received each prior month, but the late fee continues to accrue.
Finally when setting up recurring payments, the website intentionally does not show the monthly payment amount on the same screen it asks the user to input a monthly amount to be charged from their bank. there is no selection available that allows the user to pay the minimum amount due or show any other previous payments for reference. This means that the user must either guess, or navigate away from this screen to find out. This is clearly an intentional attempt to get users to underpay without knowing it and be charged a late fee.
|
| 11/13/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
In XX/XX/2018, I set up a recurring payment in the amount of {$550.00} to cover the amount due monthly to XXXX Heartland, the loan servicer for 3 loans I hold at XXXX XXXX. Since then, the money has been debited from my bank account, and I have received no notice that anything has gone wrong. Today, I got an email from XXXX XXXX stating that one of my Perkins loans was two months delinquent. When I logged in to my XXXX account, I found that my monthly payment had not been covering the full amount due for my loans, and that one of my Perkins loans was 2 months delinquent despite my automatic payments.
When I called XXXX for assistance, they told me that the automatic payment of {$550.00} was not covering the full amount of the loans because the loans had started to accrue late fees due to the payments being posted on the XXXX of every month when the loans come due on the XXXX each month. Because my payments were being made late every month ( instead of being made on the XXXX to cover the payment due on the next XXXX, as I assumed ), they had been taking part of the money supposed to go toward one of my Perkins loans and instead applying it to the late fees, causing my loan to show that it was delinquent for two months. When I asked them how it was possible to set up an automatic payment on a date past the date when the loans were due, they let me know that there is no protection in their system to prevent from this, so they just allowed my automatic payments to proceed without any adjustment or notification that the loans were being paid late every month. This explanation, quite simply, is ridiculous. Automatic payments are meant to be set so that the payor does not have to log in to his account every month and make sure the correct amount is being paid. XXXX has set up a system in which they are able to collect late fees by allowing people who are attempting to diligently pay back their student loans to make late payments, and this practice is both ridiculous and predatory.
|
| 02/07/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Complaint : Following the authorization of a one-time charge scheduled for XX/XX/XXXX, XXXX XXXX charged my checking account at least 55 times. Upon receiving notice of these charges, XXXX informed me of an additional 19 charges. Most, but not all, of these charges were refunded. However, on XX/XX/XXXX XXXX charged my account an additional 4 times without issuing a refund.
I waited more than 45 minutes on hold to speak to a customer service representative on XX/XX/XXXX and more than 60 minutes on XX/XX/XXXX ( see pp.5-6 in attached .pdf ). Although XXXX customer service representatives acknowledged they had never seen this problem before, they refused to provide any information verifying the number or dollar amount of the charges or refunds.
Timeline / Notes : XX/XX/2018 - Attempted one-time payment with debit card via XXXX website. The website returned an error message stating the payment had not been processed.
XX/XX/2018 - XXXX charged my checking account 55 times for the payment. The account was refunded 51 times. XXXX customer service admitted to an additional 19 charges that were visible on their end. ( See pp.1-3 in attached .pdf ) XX/XX/18 Call 1 - Despite confirming the charges on their end, XXXX required a bank statement showing the charges from me before they would create a ticket - Although they stated they would resolve the issue, XXXX refused to provide me any evidence verifying how many times they charged or refunded my account.
- When asked directly, XXXX customer support confirmed all charges would be cancelled / refunded and the one-time payment would not be processed.
XX/XX/2018 - XXXX charged my checking account an additional 4 times on the morning of XX/XX/XXXX. As of the time of writing ( XXXX XXXX ) the 4x charges have not been refunded. ( See p.4 in attached .pdf ) - XX/XX/18 Call 2 - XXXX customer support team lead advised the 4x charges were authorized on XX/XX/XXXX. No such authorization was granted by me.
|
| 12/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I recently received a bill in the mail that was a XXXX past due bill for a student loan that was supposed to be in grace period ( I graduated in XXXX of XXXX with my final degree ). The last notice I received stated that the covid extension was ending soon but I was still in school so I should not have had a payment, regardless. This was early XXXX. I had not once received notification that a bill was due, and would have gladly paid it on time if I had received it. Instead, the bill was past due when I had no prior knowledge a payment had been due. I was contacted by the university instead after the fact. I attempted to contact ECSI by phone, of which I was on hold for almost XXXX hours before hanging up. I instead called the university and they stated that ECSI had attempted to contact me by mail and school email in which I have not had access to in almost 5 years. I still receive mail at the address that was provided and as stated above I have not received a notice from ECSI about a payment due, but a letter from XXXX XXXX XXXX when the bill was already 60 days past due. I asked why another notice wasnt sent by the school before it got to the point of being past due if they are able to handle the same matters, as to which I was given no explanation. I paid the past due amount a few days ago, which is not a problem. But I was informed that the past due status was reported to the credit bureau on XX/XX/XXXX, again, with no prior knowledge on my end of a bill being due by mail or by phone. When I asked the representative at XXXX XXXX XXXX if she can assist with removing this from my report she stated that I would have to file a dispute. I would like this removed from my credit report. I have never missed a payment to any creditor, and this will negatively impact my credit report and corresponding score. Also to note, I check the federal student loan website pretty frequently and it never updated to indicate there was a payment and how much.
|
| 06/29/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
In XX/XX/XXXX, I completed my XXXX degree program. At that time, I set up automatic payments of {$120.00} every quarter with the XXXX loan servicer - Heartland ESCI. According to the agreement to come out of educational forbearance, my first payment was due on XX/XX/XXXX and the payment would be automatically withdrawn from my bank account. I made the XX/XX/XXXX payment and again in XX/XX/XXXX before I noticed that Heartland ESCI was marking my credit report as 180 days late.
I contacted Heartland ESCI and the representative advised that I needed to enter a rehabilitation program for {$40.00} per month in order to get the late payments removed after 9 months. At the time, I did not realize that this was incorrect since I was not in default and was making my payments on time so I agreed.
After doing some research, I realized that the information she gave me was incorrect so I called Heartland ESCI again on XX/XX/XXXX. The supervisor apologized for the woman who placed me on the rehabilitation program incorrectly ( she advised that no one at Heartland is authorized to do this!?! ) and advised she would remove me from it. However, she then suggested I put my loan in forbearance. I told her I do not want to do that because I'd much rather pay the loan.
When I asked her why I was receiving late payments when I have been making my payments on time and according to the original agreement ( quarterly payments of {$120.00} ), she explained that the late payments are from XX/XX/XXXX when I was with a previous loan servicer ( XXXX ), but because I went on an in-school deferment shortly after, Heartland is reporting them now.
This is a clear violation of the FCRA. Heartland ESCI has incorrectly reported 180 day late payments on my credit report from XX/XX/XXXX - XX/XX/XXXX for late payments that occurred in XX/XX/XXXX. I am attempting to purchase a home and I would like for these late payments to be removed from my credit report immediately.
|
| 07/12/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Heartland ECSI received my validation of debt letter specifying I want direct verification of the alleged debt they say I owe. I requested to have the competent evidence of said debt and validation under penalty of perjury and as allowed by law, I also asked them to provide me additional evidence including proof that they are licensed to collect in the state of my place of abode. Heartland ECSI did not provide me direct verification or proof that sufficiently satisfies their claims. Instead, Heartland ECSI sent me deceptive forms violating 15 USC 1692j ( a ), and also claimed that they are not a debt collector subject to FDCPA. This is false because pursuant to 15 US Code 1692a ( 6 ), a debt collector means any person who attempts to collect, directly or indirectly, debts owed, therefore Heartland ECSI are not exempt from complying with the laws with respect to debt collection practices.
I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name. A 2nd notice for Direct Verification, Affidavit of Truth and a Rescission of Signatures notice has already been provided to Heartland ECSI. Pursuant to FDCPA and 15 USC 1692g ( a ) ( 4 ), if the alleged debt is not directly verified by the true bill in commerce within thirty 30 days, per law, it be deemed void by the consumer acting as administrator.
Not only the allege debt is still not directly verified, Heartland ECSI has committed several federal violations against me, a Private law abiding Federally Protected Consumer, for which I am entitled remedy.
Heartland ECSI must now provide me the following due to their trespass against me in which they are civilly liable for pursuant 15 USC 1692k : 1. Reimbursement of all prior compensation applied 2. Amount owed to me as stated in the Bill of Particular ( s ) in the amount of {$96000.00}.
|
| 01/02/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
|
Was unable to gain information on my account by both the XXXX XXXX XXXX XXXX XXXX or its servicer, Heartland ( f/k/a XXXX XXXX ). I was suppose to receive this information sometime in my 6 month deferment period after I graduated. After not receiving it by XX/XX/XXXX, I tried contacting both institutions to get the ball rolling so I could get payments going. After numerous contacts I was assured the information was on the way to me. I tried again in early XX/XX/XXXX to get payment information and Heartland would not help me unless I had an account number. So I waited some more time for the information to get to me. In XX/XX/XXXX, I got an alert on my credit report that an account had been reported negatively ( 30+ days past due ). I was able to research the servicer to a correct website and able to access my information to set up payments.
Website # 1 : https : //heartland.ecsi.net/ Website # 2 : XXXX XXXX XXXX XXXX In late XX/XX/XXXX, I received a final demand notice from the company to make a payment to the loan because I was able to update my personal information since the servicer had an outdated address. I tried calling Heartland to resolve the late payment credit bureau reporting due to the inaccuracy. The representative referred me back to the university and would not even attempt to look into the issue nor would offer any assistance to correcting the error out of my control. He kept saying that the error in credit reporting has to be done by the university, which they do not have any control of.
Also, when I made the payment, Heartland charged a pass-through fee for " convenience '' made by a XXXX debit card. I do not believe that fee is legal since Heartland is not a government entity nor a not-for-profit organization since they retain the interest/late fees made on the loans they service. If my understanding of the old XXXX operating rules and the new EMV rules are in effect.
|
| 12/14/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
I just wrote up a XXXX description and it is now ALL GONE!!!!! THANKS!! I really appreciate wasting my time on writing information you request, and when I continue, there is pop ups, then I close them, and now the page goes somewhere, I go back and have to start all over!!!
I will be brief, since I wasted my time already.
I am being harassed by Educational Computer Systems , Inc. ( ECSI ). Upon getting numerous postal mail, I sent a certified letter to them telling them to resolve the situation to take me to court. Otherwise and more correspondence would be an act of aggressive harassment. Which they have had done a few times. I told the I do not owe ANY money and that I can prove, instead I get the attitude when I called that they are the " FEDERAL GOVERNMENT '' and that I have to pay, because that 's what it says on a piece of paper or computer screen. I know the federal government is bunch of basket cases, ( whole reason why I have to write this ) and very incompetent as well. With this being said, there is other debt from the student loan that I do not owe money and can prove it. However, it goes on deaf ears and I am suffering the consequence of the perfect example of incompetence in the workplace.
Furthermore, if you look at the attach document of " Statement of Account ''. If someone with half a brain that understand how XXXX, then why did a senator not see it, when I bluntly told him? It states right on there, {$550.00} for XXXX or {$330.00} for XXXX credit hours. I show credit hours of XXXX! Nonetheless, $ XXXX $ XXXX {$880.00}. Now in reality, I should have been paying {$330.00} for the XXXX credit hours at {$3900.00}. Instead I owe {$6300.00} and an additional {$360.00}, in order to continue!
You have had time to look over these documents. YOU, meaning the GOVERNMENT! I even went as far as contacting the FBI, but still since I am one person, I am disregarded!
|
| 09/01/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Since XX/XX/XXXX, I have been making monthly {$120.00} payments on student loans owed to Campus Partners/XXXX XXXX that were sent to XXXX XXXX XXXX XXXX for collections.
My XXXX credit report lists the following for the three loans in question : 1. Opened XX/XX/XXXX Recent balance {$6900.00} as of XX/XX/XXXX {$800.00} past due as of XX/XX/XXXX 2. Opened XX/XX/XXXX Recent balance {$3400.00} as of XX/XX/XXXX {$710.00} past due as of XX/XX/XXXX.
3. Opened XX/XX/XXXX Recent balance {$9100.00} as of XX/XX/XXXX {$1000.00} past due as of XX/XX/XXXX I have contacted XXXX XXXX XXXX on several occasions to request detailed information about precisely how the {$120.00} payment is applied to each loan -- how much to the principal, how much to interest and how much to any penalties and fees -- and how each loan balance is changing based on how the payment is applied.
On XX/XX/XXXX, via email, I received the following information : Your remaining balance is {$26000.00}. You have already paid a total of {$1100.00} towards your account.
Original amounts : XXXX XXXX XXXX Late fees and interest and principle XXXX method On XX/XX/XXXX, I asked again for details of how payments are applied. I received the following via a phone conversation. They told me it was part of their internal system/calculated internally and they could not print out or send me a PDF of this information. : 7.5 % - Affiliated Loan Program XXXX, {$1.00} interest 7.5 % - Affiliated Loan Program XXXX, $ XXXX 7.5 % - Affiliated Loan Program XXXX, {$1.00} interest Original amounts : XXXX XXXX XXXX Late fees and interest and principle XXXX method I have been provided no written or verbal details of what the fees and penalties are or how they are calculated. XXXX XXXX XXXX has provided no written statements or regular correspondence on company letterhead regarding how payments are applied, penalties, interest or fees.
|
| 12/06/2023 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
When I called in XXXX to set up my default recovery where you pay 9 months of on-time payments, the agent specifically told me that once I made the 9 perfect payments, I'd have the same rights to place the loans in forbearance or whatever suspension of payments that federal loans or guidelines allow. Now, I don't know if this was an Heartland ECSI agent or some third-party collection agent telling me this ; either way, there's a recording out there of my call since I made voice agreements to the default plan.
Since I got myself out of default on previous loans around XXXX and have federal students loans, I know the forbearance and deferment rules.
Fast forward to XXXX, I was able to place my loans in General Forbearance while I wasn't in school, after they went back to payment status, post COVID-19 Pandemic. Once I began school back at XXXXXXXX XXXX to finish my Master 's in XX/XX/XXXX, I had my FA Advisor, XXXX XXXX fill out an In-School Deferment and sent it to ECSI. That's when they denied it saying my loan type only allows General Forbearance. I'd never heard of that until that point. I believe I called ECSI about this, but I can't remember. This is the same school the private student loan was issued. If this loan type only allows General Forbearance, why would the same school 's FA Advisor fill it out for me? Why not tell me In-School Deferment isn't allowed for my loan type?
Since then, I've tried researching how to file a complaint for misleading and giving inaccurate information to a loan holder back in XXXX. I've had Long-COVID issues where I've been to the doctor a lot, so I was having a hard time finding complaint information. I filed a General Forbearance, and then they again denied it because they said it was in collections. I know no rule that say it can't be put in forbearance if it's already in collections, but not yet officially in default.
|
| 08/15/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Heartland ESCI misrepresent payments owed and charges improperly.
I paid on XX/XX/XXXX and the funds were deducted from my account.
I review the account page again as I've noticed suspicious and dishonest behavior from Heartland throughout the months and I've had growing concerns since moths ago.
It still shows I owe the same payment amount after I have already submitted my payment and after it has been retrieved from my account.
Months ago, I noted an improper amount due and called after noting the amount was incorrect. It was adjusted improperly and I've seen consistent, fluctuating additional charges since.
Additionally, they have two different pages showing the amount due - these pages simultaneously show two different amounts with the greater amount remaining hidden at the bottom of a different page, which then enables them to charge you additional late fees for having a remaining balance after having already made a payment by the due date.
Heartland ESCI engages in unscrupulous practices - it seems similar to the unfair and dishonest practices of the XXXX scandal.
After searching online, I have seen other sources also describe dishonest and untrustworthy behavior regarding Heartland ESCI.
This has been continuing for years - see article below. I don't understand how we allow these corrupt businesses to continue. I don't know how they're still in business. I'm not the only one there are others as well. Please help.
XXXX XXXX XXXX What needs to happen : Prevent the company from engaging in unfair practices and ensure that people will no longer be improperly charged or financially targeted.
Investigate the company and charge them. Penalize them and ban them from debt collection until they clean and restructure their practices honestly. If necessary, shut the company down and transfer remaining unpaid debt to honest organizations.
|
| 10/05/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have been in contact with Heartland ECSI since XXXX, since I was told to contact them by XXXX XXXX. I reached out in an attempt to secure a deferment on my student loans due to financial hardship, as I have had in place for my other Federal loans. Before that, I was enrolled as a full-time student, and needed deferment as a result. During the same time period, I have maintained all my other student loans, serviced through XXXX current and deferred for the same financial hardship. During this period, I was not able to speak with anyone at ECSI on the phone to establish a repayment plan that fit my financial situation, nor was I able to receive appropriate support via their online chat. They pushed me to mail, form after form, which I did and to no avail. Because they dont have anyone to I could talk to, I was not able to put a plan into place.
From XXXX to XXXX, my wife and I were living in the XXXX. As a result of the pandemic, we moved back to the XXXX, in XXXX of XXXX. When I checked my credit score in early XXXX, I saw there were derogatory remarks on my credit.
After multiple calls, I was finally able to get in touch with XXXX XXXX at XXXX in XX/XX/XXXX, who said my only option to clear the remarks was to pay the loans in full and agreed that she, XXXX XXXX and ECSI would clear the remarks if I paid.
On XX/XX/XXXX, I paid the full balance ( XXXX ), as confirmed in by XXXX XXXX in the attached email. As a result, Ms XXXX wrote an email confirmation of the requested removal of the derogatory remarks ( see attached ). It has been well over 90 days, and I still have the same negative remarks on my credit and XXXX XXXX and ECSI have operated in bad faith, holding the negative remarks on my credit over me, forcing me to pay an amount that exceeded my budget during the pandemic. And still have not held up their agreement to change my credit remarks
|
| 07/11/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have setup an auto draft for one of my student loans ( Perkins Loan being collected by XXXX XXXX ) which was only {$40.00} a month. In addition to that, whenever I could I made additional payments more than the required monthly payments to pay off the loan faster. However, few days ago when a mortgage lender pulled my credit we noticed that I have few late payments on my credit record all from this account.
I called XXXX XXXX and for days they were not responsive and instead send me back and forth to my school or my bank. After few days someone finally responded to me and said that the auto draft was never setup and therefore I was getting hit for late payments. They claimed that I have been notified but I have been leaving in my current address for 4 years and not once I received a notification from them.
I explained to them that this is a mistake or misunderstanding. I explained that I have other student loans with even higher monthly payments that I have never been late on ( in fact it is paid a head till 2020 ), I also have multiple bills that I pay monthly and I have never been late on anything ever in my life so why would I be deliberately late on this account. In addition, I offered to fix this by paying off the remaining balance on this loan in full today in exchange to get this inaccurate late payments removed from my account, but they just simply said no with no additional explanation.
I have maintained a perfect credit score for years so that I can use it when it is finally the time for me to buy a house. Now I am in the process of buying a house but since my credit score is missing only 3 points I might not be able to buy the house or any house for now. I don't like complaining but I am being punished for a system error and XXXX XXXX is not willing to help me in any way so I am asking you to please please help me to fix this problem.
|
| 08/22/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
Tueday XX/XX/XXXX I tried logging onto my XXXX account to pay a bill ( which was sold to XXXX ). For some reason, my password was not working. I thought it was me, so for the greater part of yesterday, I attempted to figure the password out. It told me that my SSN is not valid ( yes it is ). After seeing this, I looked back into my emails to see if XXXX sent me a change of provider email and no such email exists. I then went back onto the site, change my username and password to start fresh, and tried to look for contact information. There is no such place for me to get information about where this loan is. I logged onto my XXXX account ... it is not listed under any loan servicer. After seeing this, I contacted XXXX XXXX University student aid and was not given an ounce of information. At first she acted like she had no idea what I was talking about. Then, once I explained that this issue is being written about all over the internet and every other University is assisting their students and these phone calls in helping them find the new servicer, she put me on hold. Once she came back on the phone she gave me an 800 number to call. I told her that XXXX could not give me the information since it was a private student federal perkins loan and that it is her that is supposed to give me that information. Now, she started talking down to me and refused to give me anything but repeat the phone number and tell me to call them. So, knowing that it was not going to go anywhere, I called the 1 800 number ... .and of course, since it is a federal perkins loan they told me to contact student aid at my university. This is unacceptable. Every single person that has posted about this issue on the internet has had the same problem. XXXX DID NOT issue a mass email/letter stating the switch in providers and my specific university has been of zero help.
|
| 04/30/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
Around XX/XX/2018 ( I do not remember the exact date ), the grace period for my Perkins loans ended. Upon logging into my XXXX XXXX account, the company that is contracted with XXXX University to service both their private loans and their Perkins loans, I noticed that they had charged me a few months worth of interest. As Perkins loans are subsidized, there should be 0 interest until the grace period has ended. I contacted their customer service, and they resolved the issue, getting rid of all the interest.
Ever since I began repayment of my Perkins loans, I have been overpaying, mostly because the website is very confusing and does not indicate how much one is supposed to pay every month. In two months, I paid ~ {$200.00} ( on a ten-year term, {$5000.00} principal, 5 % interest Perkins loan ) -- when really I only owed around {$100.00}. ( I don't know exactly how much I owed because the website does not tell you. The " amount due '' changes every day ).
Then, yesterday, XX/XX/2018, I logged into the website to find that Heartland had marked me as past due by {$10.00} on my student loans. Because I have been overpaying, I believed this was a mistake, and after contacting them, they updated my account to no longer reflect past due. It is now current.
However, I am still unclear on how much I owe every month. Customer Service has finally informed me that the answer is {$55.00}, which I have been paying, yet I was marked " past due '' when I paid that amount in XXXX. I have attached screenshots of my payment history, as well as the other information that Heartland provides me. As you can see, while their website states that I owe {$54.00}, it is unclear whether this is the amount I should be paying every month, or not. In the statement from yesterday, they stated that I owed {$68.00} ( {$10.00} past due ), while today, I owe {$54.00}.
|
| 07/11/2022 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
I have a private loan for {$10000.00} that was given to me through my XXXX school, the University XXXX XXXX XXXX XXXX XXXX XXXX, which is serviced by Heartland ECSI. This loan was deferred throughout my residency and fellowship training, through verification forms that I submitted on time every year ( see attached forms ). During COVID, the University and ECSI were following the guidelines from the CARES act, continuing the forbearance regardless of training status because of COVID. When I spoke to the ECSI representatives during this time, they told me that I did not have to submit any training verification forms because my loans were already in forbearance.
Unbeknownst to me, the University and ECSI decided to stop following the guidelines for federal student loans, and as of XX/XX/XXXX my loans went back into active repayment without my knowledge. I received NO communication that this was taking place, neither from the University nor ECSI. I had assumed that my loans would remain in forbearance until XX/XX/XXXX, as my other federal loans will. Unfortunately, I was charged interest for the month of XXXX, even though my fellowship training did not end until XX/XX/XXXX. In fact, I even had a final deferment form dated XX/XX/XXXX, which should have covered me through the month of XXXX ( see attached forms ).
My plan was to pay off the loan in full once the forbearance ended and am prepared to do so today. However, it is not right that I was charged interest for a period of time when my loans should have been in forbearance. Despite multiple phone calls to ECSI explaining the situation, they refuse to remove the interest from my account. After much difficulty ( including being hung up on by an ECSI " advocate '' ), I have escalated the situation to a supervisor and am awaiting a call back regarding this issue.
|
| 10/04/2022 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
This is pertaining to corrupt practices for Heartland ESCI.
Dated XX/XX/XXXX ( Today ) I've always made payments by the due date or within the grace period.
I made a payment for the month of XX/XX/XXXX with a due date on XXXX XX/XX/XXXX for an amount owed of approximately {$290.00}. I made the payment in the amount of {$310.00} on XX/XX/XXXX.
Today I was informed by a Heartland ESCI representative that because I paid early in XX/XX/XXXX and the payment was recorded for the month of XXXX, my XXXX payment, made on XX/XX/XXXX ( which falls within the grace period of 9 days as informed by the representative ) only went towards the interest accumulated between XX/XX/XXXX and XXXX as there wasn't a payment made in the calendar days of XX/XX/XXXX ignoring my XX/XX/XXXX payment for XXXX.
( FYI : My XXXX payment was made on XX/XX/XXXX ).
So, because I made an early payment on XX/XX/XXXX for XXXX ( which was documented as a payment towards the XXXX billing ) I am being penalized by having my next payment goes towards the interest that accrued from XX/XX/XXXX to late XXXX as the system didn't make my payment for the interest that would have accumulated as of the XX/XX/XXXX.
I've paid higher than the expected billing amounts the past few months, but I'm still asked to pay a lot more.
Now I'm being asked to pay {$460.00} dollars after making my XXXX payment of approximately {$290.00} on XX/XX/XXXX which is in the grace period. I haven't been previously notified of any increases and I shouldn't see such see increases now.
Historically my payment has been {$270.00}.
Now with the interest of trying to preserve my credit score/history, I will have to make an extra, unnecessary payment.
These are unfair practices. Please help or investigate Heartland ESCI consumer practices.
|
| 09/01/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I signed up for recurring ACH payments to take care of my perkins loan balance on XX/XX/XXXX. the XXXX XXXX confirmation # is Heartland ID : XXXX.
These payments proceed without issue until my final payment. Heartland cancelled my recurring payments without my authorization and without notification a year and a half later on XX/XX/XXXX.
My final payment was never deducted, I was not notified of an outstanding balance, and I was eventually placed into collections in XX/XX/XXXX. I was only made aware of an issue when I applied for a mortgage loan and was told there was an outstanding collection balance and late payments bringing my credit score down with XXXX XXXX.
I attempted to rectify the situation with the servicer who told me that they tried to call me once the payment wasn't received and left a message. I obtained my phone records for the time that they claim and there is no record of a missed call, a received call, or voicemail from them on that date, or any other date.
I inquired why my recurring payment was stopped, and I was told it automatically cancelled after a year which is inaccurate because they have almost a full year and a half of payment records from me on a recurring agreement.
I believe there was some sort of clerical error within XXXX XXXX and instead of taking ownership, they are blaming me.
I have phone records, and I have recurring payment enrollment receipts showing I made every attempt to pay this debt off in good faith. There is no verbiage on their website, or within my registration receipts that substantiate a claim of only 1 year term on the recurring payment structure.
I have paid this in full, but due to their clerical errors would like the erroneous reporting of a late payment and collection removed from my credit reports.
|
| 08/02/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I was sent an email claiming I needed to " review and acknowledge disclosure of this receipt within the next 30 days '' for my federal Perkins loan. This email was from XXXX XXXX on the XXXX of XXXX, 2018. I had never gotten loans through this company before, so I was confused but made an account anyways.
Their account creation was incredibly obnoxious ( three security questions were required for some reason ) and to log into my account I always needed to answer one of them, something I'd never had to do before on any website, loan or not. To add to the frustration the website logs you out after 10 minutes or so, regardless of whether or not you're active ( I was entering information at the time ) It's UI is so horrendously confusing to the point that it seems deliberate ; you have to " link an account '' to see any loans. " I don't have an account to link? That's why I created one? '' Are questions that immediately came to mind. I tried to use the code that came with the email to link whatever account existed, and I get the message " this code is currently in use. '' I try again, and then call their support ( this is all on the XXXX of XX/XX/ 2018 ) ; they tell me, unhelpfully, to try again later. I waited an hour and tried again, to no avail. Their support line was then closed, so I was stuck with no way to progress.
XXXX XXXX gives you no other method to link an account. You need your school 's code, which they don't provide a search method for, and your account number, which they also give you no method of obtaining if you don't know what the account is. When first accessing the account, the code is the only method through which you can access the account. There is no quick way to resend the code, as with literally every other website that I have ever used.
|
| 03/13/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have been paying back a student debt since XX/XX/XXXX and only recently learned that I was being charged fees for every payment I made after the fact. I did not sign a loan agreement and I am not legally allowed to be charged interest. I was previously charged {$2.00} for a convenience fee which was reflected on the invoice when making payments. Subsequently, the payments I made are now reflecting new charges being taken out of old payments. The fees range from 12-24 % of the total payment. The fees do not appear on my statement mailed to me monthly nor on the payment invoice when I submit the payment. In total, since XX/XX/XXXX, ECSI has collected over {$500.00} in fees without my knowledge or without notifying me through the mailed statement or before making the payment of any fees that will be deducted from my payments. In XX/XX/XXXX my first payment was not charged a fee but every monthly statement after that has a fee taken out that was not previously recorded on any statements sent to me directly from the company. The fees dating back to my initial payments after XX/XX/XXXX are now different then when I first looked at them in XX/XX/XXXX with a portion diverted from my debt repayment directly to ECSI. These charges were nonexistent and are only now being reflected in the online payment history with my physical statements differing from the ones online. I have tried to email the company to discuss the fees and have called them to speak to a representative and have yet to be contacted or responded to. This company works directly with the University of XXXX, which is holding my transcript until the loan is paid off directly to ECSI. My consolidated report was altered in XX/XX/XXXX to show fees charged in XX/XX/XXXX, that were not previously reported.
|
| 11/07/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
This is just a continued general complaint about the company that services my loan, XXXX XXXX. Accomplishing anything with them is always a process.
I am taking class through my employer and it put my loans in deferment. I called to ask to just continue to pay anyway. They could n't do that over the phone. They led me online where I should have been able to do it. Their new website is awful, and not user friendly. I could not find what I needed to check even after being given step by step instructions. Eventually, they did it for me over the phone, but why was n't that just offered upfront since we had gone through all the security clearances. I am afraid its an attempt to keep the balance higher to recoup the most interest money possible. Very shady.
Today, I got an e-mail about getting my tax documents delivered electronically. This is ideas, so I went to sign the form online. It would not work, so I talked to customer service. I told them I did n't know my student ID as I have been out of school now for a few years, but I had filled in the SS #. Apparently the form would n't let me submit without. I was told they could not access it ( but how are you using it as a check then? ). The they said I should be able to see it on my promissory note. One problem, remember that awful website? It would let me access. They say it 's because of an ad blocker but I disabled it AND tried a different web browser. THEN, I realize I am already in electronic delivery. They were in my account, but no one was like oh you already do that, so you 're good.
Overall, I think this company is awful and not serving the best interests of student, and should be looked into. All I am trying to do is pay my loans on time, and they keep making it more difficult.
|
| 05/19/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I began having difficulty making my regular loan payments around XX/XX/XXXX. I was told at the beginning of XXXX during a conversation with an XXXX representative that my Perkins loan was eligible for partial cancellation due to the fact that I am a XXXX XXXX employed in a XXXX XXXX XXXX. I was advised during that conversation that any payments I had already made would not be able to be returned once the loan was cancelled for my completed years of XXXX XXXX. I was advised during that call and in subsequent conversations with XXXX representatives to fill out a loan cancellation form for the year I have already completed ( XXXX ) and to submit an application for loan forbearance for the year I am currently XXXX in ( XXXX ). I did not receive the application via email after the first call, when I received the application after contacting XXXX again I completed all required documentation and mailed it in as instructed to do so at the beginning of XXXX. I was told that I could not fax or upload the documents as XXXX XXXX would only accept the paperwork by mail. I contacted the company again at the beginning and was told that the paperwork had yet to be processed and was not given a timeline for when I would have any answer, it was suggested that I try again in a couple of weeks. While I waiting for that paperwork to be processed I was sent a letter from XXXX stating that my account has gone into collections. I again contacted XXXX and was told that the loan cancellation/forbearance paperwork had not been received and directed to contact the collections agency that was now handling my account. I find this to be absolutely egregious and deceptive behavior on XXXX 's part and I would like the appropriate action to be taken against this company.
|
| 11/22/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I have been working on straightening out my finances and figuring out where I can do better in terms of student loan interest rates ( potential re-financing ). I currently have a XXXX loan that I am paying as agreed. This loan was taken out with XXXX University, and as of XXXX, the loan was transferred to Heartland ECSI as the servicer. I can access account details via the website, including monthly payment amounts and breakdowns of how much goes toward principal vs. interest. However, the actual interest rate amount is nowhere to be found via the account dashboard. I accessed the " Live Chat '' option to get this information on XXXX XXXX, XXXX - the interest rate was provided to me without any issues, but when I asked the representative where I could find this information myself on the website, I was told that I would need to basically contact my school for a copy of the promissory note in order to find it.
Given that they have the ability to provide dollar figures and breakdowns, it should not be any more work or difficulty to provide borrowers with the full account information on the account dashboard. It seems very shady that a simple number that I could figure out myself is not transparently provided, especially as one often needs this type of information for many purposes to be provided directly from the loan servicer or account website. As this is a very basic piece of information for my outstanding student loan amount, Heartland ECSI should not be making us borrowers jump through any hoops to access our own account information. I am attaching a transcript of the live chat where the representative explained the actions that I would need to take in order to find my own student loan interest rate.
|
| 06/06/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Heartland ECSI has predatory debt collecting processes. On XX/XX/2019, I enrolled in automatic payments to pay my account of XXXX dollars. The process was cancelled. On XX/XX/2019 I again, enrolled in automatic payments for XXXX dollars because I want to avoid the one time service fee. That also was cancelled. There is no way for these payments to fail on my side because I had given my routing number and my account number of my bank account, and I am fortunate enough to have a career that keeps my bank account full and ironically provide insights on how payment services work in financial industries. Now today XX/XX/2019. I called to complain why this is occurring and I received no explanation to why the payment did not go through. I was told that Heartland received my money, and then gave it back to my account. I asked them to enroll me in automatic payments and the operator that i was speaking to implied that if we the user enroll in their automatic payments it will not work. I asked the man to enroll me in automatic payments that will reflect my future XXXX dollar monthly payments and the man enrolled me in XXXX future payments. I caved in today, payed the XXXX with the service fee because I do not want ANOTHER LATE FEE. People who are paying their debt to this agency are left with monitoring both workers and their pay system to make sure their money is going through. Further research on XXXX comment section indicates I am not the only one. This is easily a class action lawsuit. I am a XXXX XXXX that works in PAYMENT SERVICES for XXXX XXXX, an international, billions of dollars net worth company, and this is extremely unacceptable from an agency whose only responsibility is to collect money.
|
| 04/20/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
I have had the most difficult year with Campus Partners. Each year a portion of my student loan is cancelled because I am a XXXX. As part of cancellation, each year I submit deferment and cancelation forms to the company to verify that I am employed XXXX. This past summer, in XXXX of 2015, I faxed both the deferment and cancellation forms as usual. Since then, I have re-faxed the paper work nearly every month and called the agency every month to determine if they had received the documents. This has been going on for an entire year! Despite my sending information, I was reported to numerous credit agencies, which had an adverse impact on my credit score and ability to purchase a home.
Recently, I filed a complaint through CFPB and was later contacted directly by a representative from Campus Partners. The individual had me fax her the same paper work. The account was FINALLY updated within a couple of days, however, the adjustments were not made to the credit reporting.
I contacted them, again, and spoke to XXXX ( employee # XXXX ) who for the first time in a year took that time to look through the system and determine that XXXX of their representative made an initial error by not keying in information properly the first time, resulting in my " defaulting '' on the loans. XXXX apologized and stated that she would note in the system their error and have then revert the negative reports to the credit agencieS. Instead of sending the information to the XXXX major agencies -- XXXX -- the information was only sent to XXXX At this time, I am requesting, that, the correct information be sent to ALL XXXX agencies so that the damage done to my credit rating -- due to their negligence -- is repaired.
|
| 03/19/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
Yesterday I visited XXXX to view a statement for my loans and make a payment. While on the site I learned that my loan had been sent to a collection agency for payment. Today, I attempted to contact this agency at XXXX but placed on hold and offered the opportunity to receive a call back. At XXXX, I received a call back from an employee by the name of XXXX . I gave him my name and explained my situation. He mentioned that it was no longer in his system and unfortunately sent to collections. He offered to provide me with the company 's name and number. I informed him that I wanted to speak with another customer service rep ( likely his manager/supervisor ) who could explain to me why my loan was sent to collections without any previous notice or communication. He was persistent in mentioning that " Unfortunately it is out of my hands ... I can provide you the credit agency 's phone number ''. I went through several minutes of asking to speak with someone else, asking for clarity, asking who he reports to, and severe frustration while only receiving the same response. We reached a point where he mentioned he would only offer the number one final time before disconnecting. I actually chose to disconnect from him. I attempted to call the number back 2 additional times at which point he answered again. I asked him again if he was joking and if there was anyone else working to which he replied no given the hours of the day.
I am intensely frustrated with my loan being sent without notification or additional communication. I am frustrated by a customer service rep who would not provide any additional point person I could ask for clarity on. I am extremely dissatisfied with the customer service.
|
| 05/08/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I took out a Perkins loan to help pay for XXXX school at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. After graduating I landed my first job XX/XX/XXXX at XXXX XXXX XXXX XXXX as a full time XXXX XXXX ( XXXX ). I worked at XXXX XXXX XXXX XXXX until XX/XX/XXXX. With no lapse in employment, I changed jobs in XX/XX/XXXX and began working full time as a XXXX XXXX ( XXXX ). In XX/XX/XXXX I applied to have one year cancelled from my perkins loan through Heartland ECSI since I was coming up on a year ( XX/XX/XXXX ) being employed full time as a XXXX. I received a reply from ESCI stating that I was not eligible to have the cancellation processed because I am a XXXX XXXX. It stated that I needed to be employed for 12 consecutive months in order to have the cancellation. I called Heartland ESCI after receiving the notice to find out why. They stated that I needed to send proof of being employed full time as a school nurse for 12 months. My contract with the school stated that I was employed from XX/XX/XXXX until XX/XX/XXXX ( see attached file ). I then faxed a copy of my contract from the school showing that I was employed for 12 consecutive months. I was denied again. I called ESCI again to find out why and I was told that because I have the summers off as a school nurse, that I am not eligible and that I needed a letter from the superintendent stating that I was employed full time for 12 months. The original application that is signed by the superintendent and had the official school stamp stated that I was employed full time ( please see attached ) and even if I had summers off, I worked full time as an XXXX from XX/XX/XXXX to XX/XX/XXXX with no lapse in employment.
|
| 05/02/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have {$3000.00} in loans that are currently being serviced by XXXX XXXX. The company is absolutely atrocious in terms of accepting payments and access to payment options. The company website breaks any time I have a loan payment due. Two months in a row now I have tried making payments through their website within 3 days of the actual due date. However, when I reached this three day window, the website will no longer allow me to log in. It says that my " credentials are invalid '', even though they worked before. In addition, the website will not allow me to reset either the password or username so I can obtain access. When I am able to get access, the website system will reject payments that I try and make through it. I'll receive a notice on the page saying " payment accepted '', but then the website will error out and log me off. When I log back in ( again, dealing with aforementioned issues ), all of the progress I made is erased and the payment never went through. When I tried linking a payment account to avoid their outrageous and unfair fees ( {$12.00} interest on a {$50.00} loan payment, plus 3.95 % and a flat {$1.00} fee ), the website refuses to accept the inputed account information. It will not automatically make payments as it says it will. Finally, whenever I call or try to use the live chat during business hours, I never get a response. Last month I was bounced around a phone system and on hold for over an hour and thirty minutes, just to be disconnected once I reach a human call center agent. All I want to due it pay my student loans without the threat of late fees, etc., from a company that refuses to accept my money.
|
| 10/17/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
The original student loan I had was acquired by another company. Due to technical issues with this acquisition, my automatic payments were not automatically linked. I resigned up for the automatic payment but the website only allowed for payment once monthly on day in the middle of the month. My payment due date at the time was prior to the next scheduled automatic payment date so I opted to make a direct payment of the amount to not miss the due date. To my unfortunate expense, the website was set up so that any direct payments made negated and cancelled all automatic payments. This was not explicitly written on the website and I argued over this with a customer service representative after I found out I had the delinquency but was only dismissed for this. I had thought my troubles were over after one technical error but the delinquency from that missed automatic payment lead to another month of deliquency because the automatic payment that was scheduled did not factor in the late fee that was due and caused my account to be branded with a double delinquency. It was never the case that I did not want to make my payments. The original payments were {$42.00} monthly. This cost was not a large sum at all but lead to this delinquency that has affected me greatly.
This derogatory mark on my credit report is extremely damaging to me. At the time, I was applying for a bank mortgage for my first home and the delinquency has surely played a negative role that has already costed me a lot of money in the bank 's decision for my home. Even now, this delinquency on my report is preventing me from getting the loans that I am trying to apply for.
|
| 05/21/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
I have historically paid my bill late, due to not having the money to pay by the XXXX of the month. However, I have always paid my bill, each month. On their website in the statement section, it lists " due now '' in bright green, also it lists late fees separate from the due now amount for some reason, which is very confusing. But regardless, I have always paid, both the due now and fees amount. I would have followed my statements, but stopped trusting that the information was accurate when I received a statement in XX/XX/XXXX indicating that my account was 540 days past due, then another in XX/XX/XXXX indicating my account was 1470 days past due, which is obviously impossible. However, in XX/XX/XXXX, I paid my bill on XX/XX/XXXX, which was indeed 30 days late. They reported me as being sent to collections on XX/XX/XXXX as being 55 days past due. I received notices that I was past due of course, I knew I was, but nothing saying that I was being sent to collections for being 26 days past due. When I spoke to them on the phone, they told me that if you do n't pay on the due date, additional interest accrues, however, this is not indicated online in anyway. If I knew this was the case, I would have paid the amount. Additionally, when exchanging email correspondence, with XXXX XXXX, I called the number included in her email. The number turned out to direct me towards a scam which was trying to extract credit card information from me. I have spoken to multiple people on the phone and via email and no one can seem to give me a clear answer about how or why I was sent to collections, considering I was paying my bill every month.
|
| 07/08/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I will be looking for any other outlets I can report this company with. Normally, I do n't even bother writing reviews, but the service of this company is so poor that I felt obliged to. Like others, in the beginning I had received the 2 months past due warning without ever receiving information on how or where to pay, or even getting a first notice. But by far the worst part is the atrocious website they have. I am going to attempt to contact any of their managers and challenge them to take a person off the street and have them navigate the payment info on their site. Let me clearly state the flaws ; problems that any respectable company would fix immediately : 1 ) There are issues setting up recurring payments, where is does n't accept the pay date.
2 ) If you set up a recurring payment, good luck trying to figure out how to cancel it. I had to call the representative on the phone to cancel my payment so that I could use a different bank account. And even then they made me go back to the website to fill out the new info, which was still not accepted.
3 ) Ca n't find any billing information besides how much I have paid each month. I am an engineer, and I ca n't find my billing information on this website. Why on Earth would you not give people info like which bank they are paying from, or billing address, or anything.
4 ) Since you ca n't see which recurring payments you have, it is possible and very easy to accidentally set up multiple recurring payments. I have been double charged because of this in the past.
May XXXX help you if you are like the rest of us and have to deal with this company.
|
| 03/09/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
Currently, my account is in deferment due to my attendance in a XXXX program at XXXX XXXX XXXX University. As I am in deferment, I make periodic payments towards my loan as the Autopay is turned off and I have not been able to reestablish the Autopay service.
To my surprise, when I was using the My Campus Loan website, I found that they are now charging me a XXXX cent fee in order to make my payments or processing fee to use my credit/debit card. In the past, I have been able to make additional principal payments and payments during deferment using my checking account for free via the website. I understand that it is recommended to use the Autopay service ( as I have in the past ) ; however, since I am in deferment, this convenience now incurs a charge and I have been instructed to deliver a check to XXXX University to make additional principal payments towards my loan. Your representative has made a note on my account to contact me when my payments are made and posted to my account which helps me feel more comfortable when making a payment directly to the University.
My major concern in this situation is that I had not been notified of the additional fee and feel that this additional fee is further adding interest and fees to those who are in the same situation as me ( in deferment or grace period ). As this is a subsidized Perkins Loan, the servicer should not be entitled to these fees due to my loan status and I should have been notified of this change before they were made and should have been offered to send checks directly to XXXX University ( as indicated by your representative over the phone ).
|
| 04/04/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
I recently looked at my credit report ( XXXX, XXXX and XXXX ) and it indicates that I was 30-59 days late on my XXXX University loans in XX/XX/XXXX / XX/XX/2016.
I was not 30 days late.
I would like to let it be known that I received the letter attached ( dated XXXX/XXXX/2016 ) from XXXX XXXX ' that clearly displays a quarterly amount due of {$560.00} ( quarterly payment due date : XXXX/XXXX/16 ).
I would like to let it also be known that I logged in to XXXX, and made a payment of {$560.00} on XXXX/XXXX/2016 - which is the amount that was due, and which is the full amount that was indicated and reflected as due online at that time. My payment history in the last 12 months shows that I have been paying at least this amount every quarter.
I have not received any written or verbal notification of change in my quarterly amount {$560.00} or my interest rate. I was not aware that a late fee would be assessed or was assessed since this was not reflected on XXXX on XXXX/XXXX/2016 when I made full payment.
Just like the university, I am committed to pursuing truth unto its innermost parts. My ideal resolutions would be that XXXX University and Campus Partners immediately remove this mark on my credit report as I have proof that I have been paying the amounts due well before they were 30 days late ; AND to provide me with a clear updated and transparent status of the loan including amounts due and dates due as well as the policy of late fees ( fee amount and when they are assessed during the quarterly cycle ).
As a result, any report of late payment to the Credit Bureaus is unjustified, abusive and improper.
|
| 01/20/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
The bulk of my student loans are with the Department of Education and are currently in deferment while I complete my specialty training. However, there were XXXX minor loans through XXXX XXXX, which they sent to Campus Partners to collect those loans. I was unable to get a deferment for those loans, despite completing the paperwork ( no reason was given, just a denial ), and I contacted XXXX XXXX to make repayment arrangements that I could actually afford to pay : Campus Partners was demanding $ XXXX, which I certainly could not afford with my training salary. ( Campus Partners had tried in XXXX to tell me that I had to IMMEDIATELY repay $ XXXX in loans and tried to get my parents to sign an equity loan on their house to repay - or they threatened I would not get my XXXX. I contacted XXXX XXXX, and they intervened. I have attached the email to this complaint ). My problem is that I am repaying the loan on a schedule that I had agreed with XXXX XXXX in XXXX, but Campus Partners continues to provide extremely negative input to my credit report. I will complete the specialty training in XXXX XXXX, and will be in a better position to pay both my Federal and private loans ( Campus Partners ). Is n't there a way to have my credit report reflect my payment of the XXXX XXXX loans instead of the continued negative monthly reports??? Campus Partners is unbelievably unresponsive, and it is hard to believe that they are really a non-profit. Their collection tactics are aggressive and money-draining, including the exorbitant fee that they charge for online payments!
Please help me!
Thank you, XXXX XXXX
|
| 09/23/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Heartland ECSI is the servicer for my Perkins Loan. Over the past several months of the pandemic ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ), ECSI has continued to charge interest on this loan in violation of the CARES Act, signed into law in part to halt interest charges on federal student loans.
I never stopped paying my Perkins loan during the pandemic, in part because ECSI has been difficult to deal with in the past. However, when I reviewed my loan statements in the past few days, I noticed that my payments for XXXX, XXXX, XXXX, and XXXX were being applied to interest first, then principal. The CARES Act was supposed to prevent loan servicers from collecting interest until XX/XX/2020. That is not happening, and I suspect Heartland ECSI is committing this same violation to most, if not all graduates/students who hold Perkins loans. I applied for a forbearance to halt payments so I could have time to research this. Heartland ECSI applied the forbearance for XXXX and XXXX. I am a public servant attorney for a state government, and have worked very long hours during the pandemic ( up to 15 hours per day ) to serve the people of my state. My vision has deteriorated drastically during the pandemic due to these long hours and time spent using computers. I have incurred {$1400.00} in XXXX costs over the past 3 months alone for my eyes.
ECSI Heartland is the only federal loan servicer that has continued to charge me interest. The interest stopped on my XXXX XXXX loans and my other federal XXXX loans serviced by XXXX. I don't know why my Perkins loan is being charged interest when others are not.
|
| 07/10/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
I received a {$3000.00} Perkins Loan that was handled through the University of XXXX by XXXX while I attended the University of XXXX. The bill recently came due as you can see by the attached statement. It clearly shows a Date Due of XX/XX/XXXX and a Payoff Amount of : {$3000.00}. When my Father went to pay the bill on XX/XX/XXXX he was informed that the total due would be {$3000.00} as the interest started accruing on XX/XX/XXXX when the grace period ends. This is stated on the statement as well, but clearly the company miss stated the facts. One line they show Grace Period ending XX/XX/XXXX ( in extremely small print ) and then they show a payment due date a month after interest starts ( at the top of the statement in BOLD TYPE ). This is a clear deception. Why not just say the invoice is due on XX/XX/XXXX instead of XX/XX/XXXX? The only reason is to start charging interest before the they state the bill is due/ I asked them to remove the {$12.00} and they refused. I realize this is only {$12.00} to one student, but multiply the number of students who pay off their loan in full by XXXX XXXX and it adds up to an extra income to XXXX of {$12.00} million dollars. Multiply the extra months interest by the number of loans they write and collect and XXXX could be making 10 's of millions in extra interest that no one really knows they are charging. I also want to point out that just saying the grace period ends on XX/XX/XXXX does not mean they immediately start charging interest if the 1st payment is on due until XX/XX/XXXX. Their deliberate confusion is a money making proposition for XXXX.
|
| 01/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This is the continuation of complaints filed against XXXX about incomplete and inaccurate reporting of accounts on my credit report. This account reflects US Dept of ED, account number XXXX. The credit reports reflects that it is a closed account, and 'transferred to another office ''. The original amount reflecting as XXXX. This account shows that in 2017 no data was available for XXXX, XXXX, XXXX and XXXX, but then reports that the account is 120 days late in XXXX, 120 days late in XXXX and 120 days late in XXXX. The credit report also shows no applicable payment for XXXX and no dates shown for the rest of 2017, XXXX through XXXX. There is no original creditor shown. I have no knowledge of who this debt collector is listed under the guise of US Dept of ED, the number isn't a working phone number and the number on the recording hangs up at ( XXXX ) XXXX. The credit report reflects, " disputed by consumer ''. I have requested validation of this debt, but I only have received generic, vague responses, if any responses at all. I have never received anything substantial. The address listed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. I have spoken with representatives from a company called Heartland ECSI with this same address that I found on a XXXX search, unfortunately they were unable to help me. I demand validation of this account. I demand proof of claim for this account. I am demanding to know their permissible purpose for being on my credit report, does this company have a binding XXXX party contract with me? I want to verify that there is no debt parking on my credit report.
|
| 05/23/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have had multiple issues, most notably with maintaining my loan deferment status. After calling and speaking to two different representatives I was told that I needed to submit the deferment loan forms every semester of my XXXX program. There are a few problems with this. First, the only option is to mail paper documents, which is inconvenient to do nine times ( my program is 3 years long ) and also elongates the process for obtaining deferment approval, without immediate confirmation. In addition to filling out several forms that includes my social security number, my advisor is required to fill out this paperwork as well ( nine times ) and include my class schedule and a stamp from the university that I am still enrolled. After speaking with my advisor, he is dumbfounded as to why this excessive paperwork is required because the loan company checks in touch with the school each semester anyways. He has never heard of such a requirement. My other loan company, XXXX, only required me to submit these documents a single time and even covers my deferment period months past my graduation date. The words I used when speaking to the representatives at heartland were, " I feel like you are setting me up to miss a payment ''. I am currently a full time CRNA student and we do not have any breaks, so there is no reason for me to have to refill out this paperwork. I am busy with 80 work weeks without any income and I am worried about my credit score. They are horribly hard to get ahold of and speak to on the phone to begin with. As a result, I have begun the process of consolidating my loans.
|
| 10/04/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
During pandemic, XXXX XXXX financial aid office did not advise students to apply for federal loans and encoursged students to sign ECSI health profession loans without clarifying the terms and conditions. This lead me to borrow XXXX $ per year for the four years I attended XXXX XXXX. Only in 2021, they made students sign electronic master promissory note that indicated this is institutional loan ( private loans ). This was XXXX $ instead of XXXX $ they offered each year. Other master promissory papers signed were expired and the school financial aid counselors did not help or clarify. They just advertised for this loan and placed on students accounts.Today, I have a total of XXXX $ XXXX loans with ECSI. ECSI customer service are not knowledgeable or trained and they are unable to clarify the loan type and deferment options. They do not give the phone to their supervisors either after I request. ECSI gave me multiple different wrong information stating my XXXX loan with them is XXXX, indirect loan and they also claim to be PRIVATE more recently and they are threatening with COLLECTION AGENCY without clarifying my loan type and my options to me. It is also very suspicious how they have federal terms apply to my loans and the use of federal forms when referring to my loan with them but all of a sudden stating they are strictly private and they threaten my academics, and my credit and etc. PLEASE KINDLY CONSIDER HELPING ME WITH ECSI. THEY ARE CAUSING ME GREAT DISTRESS THREATENING WITH COLLECTION AGENCY. THANK YOU FOR CONSIDERING HELPING ME DEAL WITH ECSI.
Best regards, XXXX XXXX
|
| 02/01/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Heartland ECSI is handling the servicing of my loan. My loan is in good standing and I'm paying it off ahead of schedule. I'm currently using automatic withdrawal and paying about 2 1/2 times the required payment amount each month. I should have the loan paid off about 5 or 6 years ahead of schedule.
Using ACH as they call it meant that I was on paperless billing which was fine with me. I didn't need a monthly statement and all my account information was online. I preferred not getting statements because it kept the information out of my mailbox and away from identity thieves.
This last month, I got a statement which was concerning especially since it indicated I owed a payment on the front page - I don't. The purpose of automatic withdrawal is that my payments get made for me.
When I asked about this, they said they started issuing statements for ACH customers so 'they knew their payoff ' amount and they'd started doing this months ago.
This is nonsense.
First because the payoff amount has always been at the top of the screen when you login. Second because the statement is designed to make it look like you are no longer on ACH and owe a payment. It is designed to panic you. Third, statements didn't start arriving 'months ' ago.
The bills themselves are also deceptive. They in now way indicate that ACH customers do not owe the bill or have made the payment. They are designed to get ACH customers to pay twice.
And the company is completely unapologetic about and insists we were not 'enrolled ' in paperless billing and they didn't XXXX up. That this is 'our fault '
|
| 07/06/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
This company, XXXX XXXX, has exhibited numerous underhanded and predatory tactics in the short time I have dealt with them. My loan was transferred to them from XXXX in XXXX of 2017. XXXX was fine by the way. In the short time that I have dealt with Heartland it has been a nightmare. They provide zero information regarding interest on your loans first of all and don't allow you to pay off your interest right away. But more importantly, I had signed up for email notices regarding my payments being due ( I don't remember exactly when as I have no log ) and got nothing back when one of my payments was due back in XXXX. Of course, I ended up with a late fee. So I spoke with a representative about it and the fact that I had never gotten an email reminder. She stated that although I had signed up for email, it was too late before the due date to send out an email but the next time it would. This was back in XXXX, and the only proof I have is a test email she sent on XX/XX/XXXX to make sure I was receiving their emails. Well now it is XXXX and I have another payment due and again received no email reminder. So I am talking to a Customer Rep and he said the exact same thing " I see you signed up XX/XX/XXXX which is after your bill generated which means you would not receive an email until your next cycle. '' This is a straight up lie! And I told him this as well as told him of my past conversation. I have no doubt that this will continue to happen so that I and many other indebted graduates just like me will get charged late payment fees because XXXX is being deceitful and shady!
|
| 09/28/2022 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I have a private institutional loan from the XXXX XXXX XXXX XXXX XXXX, which is serviced by XXXXXXXX XXXX
I am reporting XXXX XXXXXXXX for seeming attempts to block the ability of persons to actually have their student loan deferment forms processed.
My loan is one which was taken out from XXXX while in XXXX XXXXXXXX. For the XXXX period, I had a no interest deferment for that loan, which XXXX XXXX processed without difficulty.
When submitting my XXXX deferment, I have been rejected twice, and then on the third try I was told I mailed it to the incorrect address, that the address had changed.
In detail : - The first time, I mailed it successfully to XXXX XXXX XXXX XXXX XXXX address. They recieved it, and denied it for a minor clerical error.
- The second time, I mailed it successfully to XXXX XXXX XXXX XXXX XXXX address. They recieved it, and denied it because the form was the incorrect form ( This was the same form I have been using for the last XXXX years ).
- The third time, I mailed it, and the mail was marked undeliverable to the XXXXXXXX XXXX address. When I called XXXX XXXX to ask why it didn't get delivered, they told me their address had changed to an address in XXXX XXXXXXXX XXXX They also told me that the new address is listed on their website and forms, which it is not.
XXXX XXXX does not offer any way to submit forms aside from mail.
I have attached the inaccurate deferment form below I am reporting this company for : - Inaccurate mailing address for essential loan forms- Seeming attempts to deter deferment submissions via frivilous rejections
|
| 11/09/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
My loans transferred from XXXX XXXX to XXXX XXXX. I have made timely recurring payments to XXXX XXXX for 10 years. When the loans transferred an additional interest amount showed up. It was only {$1.00}, so I didn't think much of it. Also, when the loans transferred, my recurring electronic payment information did not transfer, so I had to set this up again. When I followed the prompts on their website to set up my payment, I set it up to pay the minimum amount due as suggested by the website itself. Once I set it up, the website had a little disclaimer that I may have to make an additional payment to since there is outstanding interest ( the {$1.00} ). To make that payment, the company charges {$0.00} processing fee for all one-time payments. These small discrepancies and processing fees probably add up for the thousands of students that have their loans transferred over to XXXX.
I discussed this with an online representative, XXXX, and he said he could withdraw the {$1.00} " tomorrow '' without charge and set my recurring payment to the minimum. When I went back into my account later to verify, he had changed my recurring payment from the minimum amount due to the {$1.00}. If I had not caught this, I am quite sure I would be charged a late fee, interest, etc. AND have to pay additional one-time payment fees.
To make sure I don't have to pay additional fees, I changed my recurring payment to a few dollars more to prevent any underpayment. Even after I did that, the same disclaimer came up saying I may need to make additional payments to cover accrued interest.
|
| 10/31/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
Ive requested ECSI and XXXX several times to provide a copy of all master promissory notes justifying the XXXX XXXX loan and all its terms and conditions. Both XXXX and ECSI are refusing to provide master promissory documents. They refuse to communicate. They also pass the issue to each other. The XXXX XXXX XXXX loan I have with ECSI is invalid as their is no proper master promissory notes for the full amount. They only have one electronic signature from me for the amount of XXXX XXXX They do not have any proper master promissory notes to my knowledge. I do not have a username, password with them or account with them. They are completely invalid and they been aggressive with mailing me. They do not provide me a copy of master promissory notes and without them the loan is invalid. They refuse to communicate and cooperate and clarify. The whole loans with them is invalid because it does not have a master promissory note and does not have terms and conditions. I do see that previously a report was filed in this, however they did not answer it and they did not cooperate. Id like to ask CFPB to please kindly take over at this stage with proper resolution since ECSI loans are invalid except maybe XXXX $ of it. The rest of XXXX XXXX does not have terms and conditions. ECSI has no right to threaten to collect a debt when there is no terms and conditions. They can not force a payment. I am currently unemployed and ECSI loans are invalid. They refuse to cooperate and communicate. They did no respond to previous reports via CFPB and they have limited time left to answer.
|
| 09/01/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have never had an issue with this loan before it was changed to Heartland ECSI ( https : //heartland.ecsi.net/ ). Before they switched to their new absolutely awful website, that does not even work properly to make a payment, I was making my payments with zero issues on https : //borrower.ecsi.net/. That no longer works and I am forced to use their new XXXX website to try and make payments. The first payment I had to make on this new awful system was last month, and while it was an incredibly difficult to make the payment and I could n't even specify the amount I wanted to pay at least I could make a payment and view my loan information. This month however when logging in I was getting errors left and right, it would not pull up my loan information or let me make a payment at all. Oh their online chat service, does n't work. Ah I see they have a contact number ... which no one ever answers. This is frustrating and unnecessary for a company that makes money hand over fist to roll out a system for receiving loan re-payments that does not function. Let me repeat, it is highly unacceptable for this situation to exist, and I really wish this company would be punished for making it difficult to make payments on the loans they own. If my payment does not get posted today I may have to deal with late charges and potentially taking a hit on my credit score which I worked hard to build up, all because they rolled out a system without properly testing and ensuring it works and probably skimping on paying a company that knows what they are doing to build their new site.
|
| 10/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
How it started in XX/XX/XXXX : I disputed some information via XXXX regarding the XXXX UniversityXXXX student loan account and XXXX deleted the loan/account COMPLETELY from my credit report. When I DID NOT REQUEST THE ACCOUNT TO BE DELETED. I objected the accuracy of the payment history.
Today : After multiple attempts and requests to both XXXX and XXXX University to reinsert my account/loan in my credit report NOTHING HAS HAPPENDED.
This has caused me serious harm to my credit score and credit history. This loan is my oldest loan in my credit records and it is still currently in repayment. When this account was deleted ( unsolicited and irresponsibly ) by XXXX my credit score dropped more than 56 pts. I NEED TO SOLVE THIS. I am not able to get new credit approvals as this has plunged my credit score and I am left with almost NO CREDIT AGE. I am little unable to get new credit approvals due to this situation. This has been harmful to me in many ways.
XX/XX/XXXX - I submitted a dispute to cfb. XXXX responded they were investigating but that it appear the situation was not on their end as they seem to be apparently reporting to XXXX the information of my payments and student loan.
XX/XX/XXXX - XXXX answered " The data servicer XXXX University will need to submit an account reinsertion request to XXXX ''.
Since then, I have tried contacting XXXX to confirm this has been done and no one, NO CUSTOMER SUPPORT AGENT has information. They've also said there is nothing in the notes. I need the parties to get this solve and call me with a SOLUTION.
|
| 09/29/2022 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
For the last few weeks I have been trying to get an ECSI ENTITLEMENT DEFERMENT FORM APPROVED SINCE I AM XXXX XXXX XXXXXXXX XXXX STUDIES AT XXXX XXXX XXXX. XXXX STARTED ON XX/XX/2022 AND I WAS TOLD THE WHEN ASKING FOR A LOAN DEFERMENT BY ECSI chat rep that APU TXXXX XXXX XXXX XXXX will electronically notify each of your participating lenders within 10 business days of being updated.
I would have to fill out a XXXX XXXX XXXX XXXX XXXX XXXX Request Form and have a school official sign it as well. I have filled out several of these forms and ECSI won't approve them with a new error each time. The first one was because I had a graduate or fellowship check. After that I got it signed by a school official to fill out their section. However, ECSI was not satisfied, instead error out error. The latest one suggests that the signature was fraudulent or they needed a wet signature from a school official mailed. What's really crazy is that they say you can upload the form but once you have downloaded the form already you can't upload it anymore. You get an error stating. Our records show that you have applied for this entitlement for your loan. Your entitlement application is currently being reviewed. Your entitlement application will be reviewed within 3 business days from receipt. You can check your account online for an updated status or contact a Customer Advocate at XXXX.
Emails are ongoing and nothing is resolved because they refuse to accept the forms and want money. Violating rights when a student is full time has the right to defer student loans.
|
| 03/23/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
ECSI, a collection agency, reached out to me on behalf of an old debt to my XXXX XXXX XXXX In XX/XX/XXXX, I paid ECSI {$980.00}. The rep at the end of the call told me my account was paid in full and I would receive a letter in the mail stating as much. The letter I received from ECSI dated XX/XX/XXXX now has a past due balance of {$130.00}. I called ECSI at XXXX and they said I now owe a balance of {$250.00}. I do not understand how it is possible I owe additional money when I was told by their representative the balance had been paid in full in XXXX. I do not understand at all what they are even charging me for. I requested an itemized statement which I have not yet received. The ECSI rep indicated itemized statements could be obtained on their website at heartland.ecsi.net, however, I am unable to access. I graduated from XXXX XXXX in XXXX and have taken proper steps to remedy this debt, however, this company is trying to scam me out of even more money with no explanation! I would like for this company to provide an itemized statement, an explanation for how I was given a wrong total amount due in XXXX, and/or forgive the remaining balance down to zero. I would also like to note this company 's practices seem unethical as they do not make it clear they are a debt collection agency as required by the FDCPA. The representative insisted she was " XXXX XXXX '' even though XXXX XXXX verified they are a third party collection agency. They also sent a letter on XXXX XXXX XXXX letter head, which again, seems fishy. Please help, thank you.
|
| 10/01/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
I now have XXXX loans being serviced by Educational Computer Systems Inc ( ECSI ) : XXXX for a Perkins from XXXX College ( undergraduate ) and XXXX for a Perkins from XXXX ( graduate ). When I obtained my initial statement for the XXXX loan, the URL provided led me to a different portal for entry to the servicer website in order to make a payment than the one I was accustomed to using for the XXXX loan. I followed through with the registration process nonetheless and made a payment for each of my loans one after the other. In each case I was only given one option for payment, which resulted in a {$1.00} processing fee. I had no way to decline the fee and make an alternate form of payment. I called the servicer after the fact to complain about this, noting that I had never paid a fee when entering to make a payment through the other website. I requested that I be credited {$3.00} ( $ 1.95x2 ) to reimburse me for the erroneous fees charged. I was told someone would get back to me ; nobody ever did. I called again on two different occasions and was told there was no resolution to my problem ; I was in fact offered no resolution. The fact that this company has multiple URLs that do n't appear to " speak '' to one another and that have different payment options, and the fact that they default to having borrowers directed to the site where fees are charged, is predatory. I maintain my request for a credit of {$3.00}. Unfortunately, I ca n't stop making payments in the meantime because I do n't want to hurt my credit.
|
| 05/03/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
Servicemember |
|
My student loan was defaulted due to a long period of unemployment, but recently I've managed to get back on my feet and begin working on getting all of my finances in order. I have 3 separate federal loans which were in a defaulted status and fortunately I was approved to consolidate those loans on XX/XX/XXXX. Two of the federal loans are being serviced by XXXX and the 3rd loan ( Perkins ) is serviced through Heartland ECSI. I was told by XXXX that the date my Consolidation was approved on XX/XX/XXXX. Those two loans were then automatically taken out of default and put into repayment on the National Student Loan Data System ( NSLD ). My 3rd loan with Heartland ECSI was also paid in full on XX/XX/XXXX, but remains on the National Student Loan Data System ( NSLD ) in a default status despite being paid in full. I have reached out to Heartland ECSI several times requesting that this information be updated, but I continue to get the runaround. It's pertinent that my information be updated immediately in the National Student Loan Data System ( NSLD ) because it could negatively impact my employment as in I could be terminated. My accounts with XXXX has been updated in National Student Loan Data System ( NSLD ) twice since XX/XX/XXXX, while Heartland ESCI has done nothing to bring my balance current. They continue to tell me that they aren't sure how soon it will be updated and they've gone as far as to tell me that it could take weeks. That simply won't do. Please assist in getting this rectified. Thanks.
|
| 04/24/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
I have a private loan from the XXXX XXXX XXXX XXXX XXXX XXXX being serviced by Heartland ECSI. I submitted a deferment request XX/XX/XXXX in which the loan would deferred with payment due XX/XX/XXXX. This loan was accumulating late fees on my monthly generated bills. I contacted ECSI 10+ times to address this. I asked why a loan in deferment was accumulating fees. They could not answer me. I asked several times for the Finance Department number and was rejected. I asked for the Finance Department to call me to resolve unwarranted late fees. Multiple times a was assured a ticket had been created. I never received a call. This has been going on for 6 months with multiple hour long plus phone calls with no resolution. The employees in fact agreed, with the signed deferment paperwork, that I should not be accumulating late fees when no payments were due. The responses from the clearly incompetent phone answerers ranged from I it was resolved, dont worry to why dont you have money to pay it to someone will call you within 48 hours. This is absurd that they can charge fees out of contract negotiation. I was told today that they cant take the late fee off of my account due to policy, although they cant explain why I have late fees on an account with a bill that isnt due until XX/XX/XXXX. I was told a ticket was being created and XXXX ( the employee ) refused to provide me a ticket number. I was also refused to be allowed to speak to a supervisor or a representative of the finance department.
|
| 05/22/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
The servicers in question are XXXX XXXX XXXX XXXX XXXX, XXXX, and Heartland ECSI.
Loan servicers Heartland ECSI and XXXX have misplaced funds totaling {$6500.00} that is owed to me.
On XX/XX/2020, I applied for a consolidation of a federal XXXX loan held by the XXXX XXXX XXXX XXXX and serviced by Heartland ECSI, and selected GSMR as my servicer.
On XX/XX/2020, I paid the XXXX loan serviced by Heartland ECSI in full, as I never heard from Navient about my loan consolidation.
On XX/XX/2020, weeks after the loan was already paid in full by myself, Heartland ECSI received a payoff from XXXX, thus meaning that I had a credit of {$6500.00}. The same day, Heartland transactions show a debit of that same amount, but with no details. A customer service agent claims that Heartland refunded the money back to XXXX. However, XXXX went ahead with the consolidation and pushed the loan to XXXX XXXX XXXX XXXX XXXX, which had a loan balance of about {$6500.00} added to it, which is a new liability for me although I paid the XXXX loan in full already on XX/XX/XXXX.
On XX/XX/2020, I called XXXX, and they know nothing about a refund from XXXX. Heartland claims they can not provide documentation to prove it was sent to XXXX, so XXXX will not give me my money back or look into it. Heartland has not sent me any official paid in full documentation or otherwise. Heartland has not provided any timeline or support in getting me documentation of this alleged transfer of money back to XXXX.
|
| 10/04/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
|
|
This is the second complaint that I 'm filing about ECSI, the loan service provider for my Perkins Loans. I have to reapply every 6 months for financial hardship/forbearance, since my student loan debt burden is in excess of {$300000.00}. My Stafford loans are under an income based repayment plan, with a fixed amount due each month. The Perkins loans, however, have to be dealt with separately. Every 6 months I resubmit my financial information, asking for a forbearance or partial forbearance. Every time they email back, telling me that I missed something, knowing full well that I included everything they needed. Then, I have to resubmit all of my paperwork, and usually have to spend several minutes on the phone following up with the paperwork every week, until finally I get it approved. As usual, I recently mailed all of my paperwork for a partial forbearance request, and received an email stating ( erroneously ) that they did n't receive all of the paperwork. Recently, I obtained someone 's email address, who told me to scan my documents and email them to him, and he would process my forbearance request immediately. I also did this, and have n't heard anything back.
I have done everything that I can to apply for a partial forbearance, using both mail and email as well as addressing it to a specific person who told me that he would help me. All of these efforts have resulted in nothing, and all that I want is my partial forbearance request to be applied.
Thank you
|
| 04/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have a private loan with XXXX XXXX XXXX XXXX. The total amount of the loan is {$9600.00} and I've been charged on the XXXX of each month since XX/XX/2022 currently having a total past-due balance of {$720.00}.
I was not informed that this type of loan was not covered under the XXXX XXXX XXXX XXXX XXXX XXXX. As a result of not knowing this information, my account went into a past-due status and hit my credit twice. I made no arrangements to place this loan on a deferment had I known I would have taken the required steps to secure that this would not go into a past due status. I am still a XXXX XXXX and am currently submitting a deferment document to the lender. I called the current lender ECSI requesting copies of all the notices that were sent to me and was advised by a rep named ( XXXX XXXX that they have no way of issuing a copy of that information. I find that very concerning and feel that this could have been avoided simply by communicating and giving proper notice and explaining to me that it won't be covered under the XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and yet those original documents can't be provided to me.
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports.
|
| 03/25/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
Loan processor is blocking my ability to pay them thru ACH unless I forfeit control of my bank account to them thru ACH. ACH can be initiated by the customer or lender.
Since the loan processor has already made many errors on my loan account, I am not about to hand over control of ACH debits to them. I want to maintain control of ACH amounts & due dates.
The loan processor messed up the amount and due date for my student loan. I still have not gotten them to agree that they made errors, and in the mean time they are claiming I am 15 days overdue & they are going to report me to a credit bureau.
So I am forced to pay even before they fix their errors. AND they REFUSE to give me their bank routing # s so I can send payment electronically. They INSIST on them controlling the ACH withdrawls. Since they have already screwed up the amount, the due date and refuse to acknowledge their mistake, I am NOT about to hand over control of my bank account to them! I can send ACH payments while controlling the amount and date on my end, NOT them controlling when & how much they take.
I want them to give me the relevant info so I can send ACH payment on my terms. I do NOT want to hand over control to them so they can take what they want & when they want.
This should be a blatantly obvious right of customers to control what amount & when they send out of their own bank account. Loan processor refuses to give me that option unless I hand over all control of ACH to them!
|
| 04/13/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Need information about my balance/terms
|
|
Web |
|
|
Since Heartland ESCI took over my loan a few months ago, I have seen a sudden and unexplained increase in my regular payments. In addition to the monthly payments I make, I am frequently sent messages informing me that I have an additional {$40.00} that I must pay. What this payment is for has never been explained to me, and I have received no response whatsoever to any of my frequent requests for clarification via the company 's customer service page. Due to my own work schedule and my time zone, I am largely unable to contact the company by phone, and the single instance in which I did manage to call resulted in an hour-long wait time. I continue to make my regular monthly payments ( which again, were inexplicably increased ) and yet I still get hit with this additional ( likewise unexplained ) {$40.00} fees. From my understanding of the XXXX statement 's page ESCI gives me, I am also paying a " convenience fee '' for paying online. On the whole, I feel that I am paying my loans, paying additional fees, and paying for the right to make these payments. And I have yet to receive any explanation or cost-breakdown from the lender, who frankly seem to have no interest. The impression I get from the company is that I 'm a borrower, not a customer, without any right to explanation or common courtesy. At this point, I am so frustrated by Heartland ESCI that I am hoping to pay off my loan in one fell swoop, rather than continue to interact with this company.
|
| 09/01/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
The Servicer : Heartland ECSI I applied for Loan deferment with this organization as I did with my other two loan servicers. Both of the other two had simple online forms that could be filled online or e-mailed in and one could easily deal with the deferment. Their phone lines are open to deal with students their chat lines are handled with professionals, and e-mails are returned with proper information to deal with their customers as human beings.
ESCI on the other hand has the worst customer service I have known. Their phone line requires hours of wait if you hold on. They give you the option of returning a call. Which doesn't happen. Their chat and e-mails are a waste of time, that send you back to the phone system, which as I explained earlier, takes hours to deal with.
All documents must be sent through the mail. Which I complied with. When I called them to see what happened to the documents I sent. According to ECSI, the documents did not reach them in time. Which inconsistent with other facts. I sent another package through the mail the same day. it was received and acknowledged before the deadline on the ECSI documents, even though it had to go farther than the ECSI document.
ECSI is not a good loan servicing organization. Their entire system is built upon the idea that people will give up trying to find solutions and pay the loan sharks. Or else their credit might be ruined. Either pay ECSI on time or have your financial knees broken.
|
| 04/20/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
My small business closed in early XXXX. About one year later, the bank account associated with my business was debited by a " Merchant Service. '' Initially, the debits were small, {$39.00} each month, they went unnoticed. Late XXXX, a debit for {$300.00} appeared on my statement which finally alerted me something was not right. I went to my bank ( XXXX XXXX ), explained that I suspected fraud on my account and requested that all activity be halted on the account. In XX/XX/XXXX, it became necessary to close the account altogether because the bank could not stop the debits as they were " contractual. '' I was informed that " Merchant Services '' was, in fact, a company named XXXX ; I did not have a contract with this company, nor did my small business when it was operating. I contacted XXXX immediately, by phone and email, numerous times. XXXX is a subsidiary of XXXX, which is part of Global Payments , Inc . In total, my business account was debited {$2500.00}. On XX/XX/XXXX, I was informed by XXXX XXXX, a customer service manager with XXXX that I would be awarded {$940.00}, " totaling 6 months of refunds as a goodwill gesture. '' Since his response email, Mr. XXXX has not returned my phone calls or subsequent emails, nor have I been refunded any of the fraudulent merchant service charges. In short, XXXX XXXX XXXX began debiting my business account nine months after my shop closed without a contract or agreement for a total amount of {$2500.00}.
|
| 07/16/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
This is a follow on complaint for XXXX / Campus Partners. For over ten years I assumed my loans were in posession of the federal government and still in deferment. After notice of a late payment, without warning, I had learned that a portion of my loans were now in posession of this private company, I had been charged a late fee, and my credit rating had sufferred accordingly.
The company website is almost unsable, to the point that making a payment is virtually impossible. Tens of login attempts failed and there is no clear indication that a certain browswer must be used. Tens of time-out errors occurred. My information disappeared and reappeared from their database. I was not eligible to set up autodraft payment for no apparent reason. No place on the website shows a repayment schedule, a monthly due date, or similar pertinent information. The website 's poor operations are clearly to the advantage of the company, as it discourages timely and organized payment from customers.
Fees are exorbitant. I was charged a convenience fee of {$180.00} to pay off my loans in full ( my total balace with the company was less than XXXX ). A one time processing fee from a debit card is {$60.00}.
In sum, the company is clearly using a federally protected revenue stream to an unseemly advantage by setting up hurdles for payees, creating headaches for those in good standing and likely undermining the well being of those less financially secure.
|
| 12/15/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
Good afternoon, I have yet to receive a formal statement from Heartland ECSI since XX/XX/XXXX, which was the time in which they took over management of my loan from Campus Partners. I have made payments only because I have personally logged into the account to see the status. It is the obligation of the loan service provider to provide me monthly or quarterly statements and notify me within 30 days of my due date of payment. None of this has happened. I have received XXXX document stating that my loan was been transferred to Heartland XX/XX/2016 and one email dating XX/XX/XXXX that my statement was ready. No correspondence other than this, not one time. I have requested electronic and paper billing none of which I have received.I made this request XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX none of my requests for statements were met.
In addition to the lack in response Heartland ECSI processed a payment XX/XX/2016 that was submitted to XX/XX/XXXX. Campus Partners now Heartland ECSI stated to the credit bureaus that no payment was received but clearly written on the check along with my USPS receipt for the payment with the date. That is clearly fraud and needs to be corrected immediately along with any interested that was occurred due to that misapplied payment.
I am hopeful that the CFPB will support me in this effort to correct the wrong doings of these XXXX companies so that no other borrower will be taken advantage of.
|
| 02/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I attended XXXX University in XXXX. I left in XX/XX/XXXX due to a conflict with a professor. My loan was returned and given to ECSI Heartland Campus Solutions for debt collection on XX/XX/XXXX. I have never defaulted on my student loans.
I applied for and was accepted to a school in XX/XX/XXXX. I was denied financial aid due to a student loan being in default. Nothing for student loans turned up on my credit report, except my student loans in good standing.
I have received bills from XXXX with an amount. The amount changes frequently with no itemization or explanation. On XXXX XXXX, XXXX I called XXXX for an explanation of the loan. Is it a student loan or not? I requested an itemization of my charges from my time at the school. I was informed that they sent the " returned '' loan to ECSI and I would have to call ECSI Heartland..
ECSI has never put their information on my bills, no account number, no phone number or address for ECSI Heartland, no mention of ECSI Heartland. The billing statements deceptively appear as if they are coming from XXXX, which XXXX denies. I tried calling ECSI Heartland and was on hold for half an hour with no response. When I tried to use the online platform it routed me to register with ECSI Heartland. I'm not interested in registering I would like an itemized copy of the original bill and an explanation of whether it is or isn't a student loan and if they can block me from receiving financial aid.
|
| 06/17/2016 |
No |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
I took out federal student loans to help finance my XXXX education, as I had no other option to help pay the full cost of attendance. I have been diligent in paying back my loans, have not missed a payment, and in fact, am paying more than my minimum.
The current loan ( {$2400.00} ) for which I am filing a complaint is the XXXX XXXX loan [ acct. no. XXXX ], the repayment of which is managed by a third party, Campus Partners. I am shocked and appalled at the way which Campus Partners charges usurious fees to handle the repayment. Automatic payments from a checking account have a {$.00} processing fee, and when I tried to pay off the loan in its entirety, I was appalled to find they use another third party billing service ( Heartland ECSI XXXX XXXX XXXX XXXX XXXX ) which charges a {$97.00} convenience fee! I am appalled that they have the audacity to charge a 4 % fee for loan repayment. This is absolutely predatory, and I can not believe that federal legislators and employees ( those in XXXX and at the XXXX who agreed to allow this company to process federal loans in such a manner ) allow this to happen. I am shocked to learn these companies are profiting from federally allocated funds meant to help those in desperate need.
I sincerely hope that this process will receive immense scrutiny it deserves, the practices are investigated fully, and that any wrongdoings are brought to light.
I am happy to discuss the matter further.
|
| 05/06/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
I am writing to file a formal complaint against Heartland ESCI for their horrendous loan servicing practices. Despite my loan being three years past due, Heartland ESCI failed to make any attempts to contact me or send me an invoice until this point. I was shocked to receive such an overdue notice, having never received any communication from Heartland ESCI about the loan.
Since then, I have made numerous attempts to rectify the situation with the XXXX XXXX XXXX and Heartland ESCI. While Heartland ESCI has put the loan in forbearance, they are still claiming that I owe the past due fees. I strongly disagree with this claim, as under the circumstances surrounding the COVID-19 pandemic, the loan should never have gone into repayment to begin with.
I find it unacceptable that Heartland ESCI has taken such a negligent approach to servicing my loan. Not only has their failure to communicate with me put me in a difficult financial situation, but their insistence on charging me past due fees for a loan that was not supposed to be in repayment has only exacerbated the problem.
I am filing this complaint with the consumer protection board in the hope that they will investigate this matter and take appropriate action to ensure that Heartland ESCI is held accountable for their actions. I urge the board to thoroughly investigate this matter and to take any necessary steps to protect consumers from similar practices in the future.
|
| 10/03/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
Initially Heartland ECSI started auto debiting monthly an amount just under my quarterly payment amount without my consent. The loan terms were that payment be made quarterly and that is how I set up my auto debit on their website. I only realized this was happening when I received a late payment notice in the mail along with late fees. I had been in essence over paying by hundreds of dollars a month and still generating late fees because the monthly payment that fell on the quarterly payment's due date was slightly less than the quarterly amount due. All of this was without my consent. In addition, I had auto debit set up from the beginning of this loan. I called to rectify and was met utter incompetence and a complete inability to grasp the issue. Finally after multiple phone calls and transfers to different people I thought I had successfully gotten to the bottom of the issue, had late fees refunded and re-establised my recurring quarterly payment. However, on XX/XX/2016 I received a past due notice in the mail again with additional late fees. I called ECSI on XX/XX/XXXX to rectify but again was met utter incompetence. There appeared to be a problem with the due date and and the payment date which they could not seem to rectify. In the end, I paid the loan off in full to eliminate any further confusion and avoid reporting to credit agencies which happened to wife with this same company for the same issue.
|
| 03/28/2022 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
My loan is due quarterly, every 3 months on the XXXX in XXXX / XXXX / XXXX / XXXX On the website on XX/XX/XXXX I logged on to the account to make a payment for the XXXX due date. At the top of the website the account says " XX/XX/2022 Due Date '' with an amount due. I made my payment on the XXXX of XXXX. In late XXXX I received a notice in the mail indicating that my account was 30 days late and I was charged a late fee and now had a payment due on XX/XX/XXXX. I called Heartland ECSI and they indicated that my payment was made too early and that it was considered an additional optional payment on the loan since it came before my statement on XX/XX/XXXX. I let them know that their website very clearly has a due date and an amount due so if I make a payment the common sense assumption would be that you're making a payment toward the due date and amount due listed.
As another example, my account now says that I have a payment due by XX/XX/XXXX for {$300.00}. I was told if I make the payment pretty much before XX/XX/XXXX ( the estimated statement date for XXXX due date ) that my payment wouldn't be counted for the amount due. I don't understand why their website would lay out in large letters a due date and amount but if I click make payment and make a payment then it won't necessarily count toward the amount due right next to the make payment button. I've attached 2 screenshots from the page showing this layout.
|
| 03/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I had a student loan, it was a XXXX loan from California XXXX XXXX University in the amount of {$2700.00}. The loan was originated in XXXX and defaulted in XXXX. The account was first delinquent in XX/XX/XXXX. It was reported to the credit bureaus as 90 days late in XXXX of XXXX. The loan was subsequently paid in full. The information has been removed from XXXX and XXXX. With XXXX, in XX/XX/XXXX, the information that was being reported incorrectly changed to show that the account was first reported delinquent in XXXX of XXXX. I submitted multiple disputes to XXXX and they have not fixed the problem. I have multiple old credit reports sent directly from XXXX XXXX, XXXX which show the correct original date of delinquency ... that the account was reported as 90 days late in XXXX of XXXX. Also the XXXX XXXX XXXX who is Furnishing the information to XXXX agreea 100 % with me that the loan was first delinquent in XXXX of XXXX and first reported as 90 days late and XXXX of XXXX. The date of furniture is adamant that they're providing the correct information to XXXX showing that the account was reported as 90 days late in XXXX of XXXX and that the problem is on XXXX end. XXXX refuses to publish the correct information despite multiple disputes in ample proof provided in the form of official copies of old credit reports from all four bureaus, including XXXX, as well as a confirmation directly from the data furnisher.
|
| 09/20/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
From XX/XX/XXXX -XX/XX/XXXX I attended XXXX XXXX XXXX University (XXXX). During my time at XXXX, I was extended private loans from the university that totaled $XXXX to help with my XXXX debt. I returned to XXXX through XXXX for XXXX XXXX.My first payment (following Grace) was due on XX/XX/XXXX, and I have diligently made monthly payments on my loan since then.While the loan has long been serviced by ECSI -- which was acquired by Heartland Payment Systems in XXXX (XXXX).Recently, Heartland/ECSI updated their website and payment systems for all online payments. Previously under ECSI, all student loans payments could be made by making a "direct payment" from a checking or savings account without incurring a fee. I have elected to receive electronic correspondence from Heartland/ECSI, so I would always make a payment after receiving an electronic notification of a bill.However, after recently Heartland/ECSI updated their website and payment system in XXXX/XXXX to expand the number of ways they can charge debtors service fees.Previously, debtors could make a one-time payment from a checking or savings account without incurring a fee. Now, Heartland/ECSI charges a $XXXX service fee to make a one-time payment from a checking or savings account (while strangely waving the fee if the payment is set to re-occurring).This seems to be an unfair manner in which to try and extract additional service fees from consumers.
|
| 08/29/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
On XX/XX/XXXX I received a mailed statement from XXXX XXXX stating my loan was past due. The past due notice was my first notice of any payments even being due on the loan. The past due balance was {$280.00} and the current amount due was {$140.00} suggesting I had missed two payment, again, payments I was never aware were due. I called the company asking about options for pushing back the past due date so I could verify the loan was in fact mine since I have no promissory notes on file for it. I was told no and that I had been notified by email as well about the bill. I, in fact, never received anything by email about the bill. I searched my inbox, junk mail, etc. The email from Heartland was on XX/XX/XXXX, which is copy and pasted at the end of this statement but says nothing about a bill and is rather quite cryptic.
I have two primary grievances. One, Heartland needs to send a statement just like every other company saying a bill is owed in advance. Two, I was charged late fees, which I would like removed since I had no opportunity to make the payment on time. I also think for a company that can have so much negative influence on a person 's bottom line, credit score, etc, these surprise bills can not be allowed to continue.
XX/XX/XXXX Email We are notifying you that your contact information has been recently updated for XXXX XXXX XXXX / XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX
|
| 05/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
XXXX XXXX University XXXX XXXX XXXX first issued the XXXX XXXX XXXX XXXX while a successful student at the XXXX XXXX XXXX and several payments were made although I incurred hardship due to economic disadvantages including COVID-19. My current status is postponed until XX/XX/2020 via a phone call from a XXXX representative, XXXX. However upon receipt of my account statement, disclosures of information indicated that fees and an amount should have been adjusted due to the current pandemic. During my attendance at XXXX XXXX University XXXX XXXX XXXX, the XX/XX/XXXX crisis in New York at the XXXX XXXX XXXX XXXX on XXXX XXXX transacted and several bodies were lost such as in the current pandemic of COVID-19 and additional financial relief should be required to offset my medical school studies and other opportunities beyond. In addition to the foregoing, my XXXX school education should be paid for with financial relief disaster plan funds under the executive orders of Governor XXXX XXXX and approved through the XXXX XXXX and all forthcoming Presidents of the United States of America for my long history of problems incurred trying to find work after XXXX school and now as I am applying to return to XXXX in the XXXX at XXXX XXXX XXXX XXXX XXXX even my University of XXXX XXXX XXXX XXXX XXXX XXXX should los be allocated into the funds that would pay for my XXXX education and even XXXX School should that plan fail.
|
| 10/09/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XXXX of XXXX I received a collections letter from XXXX XXXX XXXX on behalf of the University of XXXX for a Perkins loan. They said I owed {$4400.00} and needed to pay immediately. We settled on 11 automatic payments of {$400.00}. Monthly, from XXXX XXXX to XX/XX/XXXX, {$400.00} was withdrawn from my bank account. After my last payment was withdrawn in XXXX of XXXX, I considered the loan paid off.
On XX/XX/XXXX, I received a call from Heartland ESCI claiming that I owed still {$1900.00} on the loan. When I checked my credit report, the loan was also listed there, causing my credit score to drop. I asked for a debt verification letter on XX/XX/XXXX. On XX/XX/XXXX I called Heartland ESCI and they said that I was missing three out of 11 payments for the Perkins loan. I called the University of XXXX Student Loan Collections Office and they also confirmed that 3 payments were missing. I sent over a copy of my bank statement showing the 11 withdrawals. On XX/XX/XXXX, the student loan collection office at the University of XXXX called me back confirmed that they have found the three missing payments. XXXX XXXX XXXX failed to post them to my account and then closed out my account. Instead of the {$1900.00} I supposedly owed, I owed the remainder interest payment of {$160.00}. The closed account went to Heartland ESCI who then damaged my credit trying to collect on a loan I had already paid off.
|
| 09/23/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In XXXX I was trying to use the ECSI app to pay my loan and it stopped working. There was an error every time I tried to submit my payment. I tried to call ECSI and they told me that my information ( that I was reading off of the billing statement ) couldn't be verified. This continued to happen and I gave up. My last payment was XX/XX/XXXX.
The last statement ECSI sent me was XX/XX/XXXX. I received no communication about it going into collections or communication from a collection agency.
I was applying for financial aid for grad school this year ( XXXX ) on XX/XX/XXXX. I noticed I had 3 loans in default. There was no information on the website about who held my loan- only that it had been sent to collections On XX/XX/XXXX I submitted a ticket asking for the number of the collections agency. I never heard back from them- I waited for an email saying that my ticket had been resolved and never received one.
I checked back into the ECSI website on the XXXX and noticed a number had finally appeared. I opened the chat to ask a few questions to a representative. The rep told me that the loan didn't go into collections until early XXXX ( remember I noticed my loan being in collections on the XXXX. ) and they had updated information on the XXXX about the collections agency.
I called the agency, XXXX and XXXX, and they said they had just received it and my file hadn't fully uploaded it.
|
| 09/29/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
On XX/XX/XXXX, I authorized a payment of {$5400.00} to the Illinois XXXX XXXX XXXX XXXX XXXX ) via the loan servicer XXXX ESCI. I received an online receipt of this payment and online confirmation that it was processed. The intent of the payment was to pay off a XXXX XXXX in full. At some point shortly after ( I believe before XX/XX/XXXX ) XXXX transferred my loan to ESCI XXXX XXXX XXXX XXXX ( EFPLS ). EFPLS has no record of the {$5400.00} payment being made. XXXX ESCI still shows a record of the {$5400.00} payment, and per my calls to XXXX their records show the loan as paid in full. However EFPLS provides no mechanism to submit any documents and their customer service line insists that the university ( IIT ) must reach out to them directly. I have attempted to resolve this issue through XXXX several times ( starting on XX/XX/XXXX and most recently on XXXX ) and been assured that " it will be fixed '' but I have seen no concrete change on the EFPLS account. As of XX/XX/XXXX with the end of the student loan pause EFPLS has sent a demand for payment. Given the apparent inability or unwillingness of the parties ( IIT and EFPLS ) to resolve this matter or allow me to do so, I now escalate it. NOTE : This complaint was previously submitted and sent to XXXXESCI . They were not the appropriate subject of the complaint. The complaint should be directed to EFPLS and to a lesser extent IIT.
|
| 02/03/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
ECSI Heartland ( which just acquired XXXX ) charges a " convenience fee '' of {$.00} for each autodraft payment -- effectively forcing the individual to pay in order to pay their loan. They claim this is for " website maintenance '' for a website which they have said they will no longer update ( this is for the XXXX site ) and that the convenience fee will continued to be used once XXXX borrowers are rolled over to the ECSI Heartland website ( which they wo n't give a timeline for ). This is just another example of student loan servicers profiting off of student loan borrowers after winning lucrative contracts with the federal government. There are plenty of other servicers that do not charge for this. When I asked if I could lodge a complaint, I was told they do not take complaints. Additionally, their website is currently stuck in the XX/XX/1990 and borrowers are n't able to update much on the website without calling or mailing in information to the servicer. When setting up Auotdraft for example, it took a month and half to set up and I never received the correspondence that my autodraft would not be in effect for my next payment ( although I filed it well before their deadlines ). Supposedly this information was mailed to me, but I 'm signed up for XXXX -- also a " service '' that ECSI / XXXX does n't seem to keep updated as none of the correspondence I get is ever electronic.
|
| 02/03/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
ECSI Heartland ( which just acquired XXXX ) charges a " convenience fee '' of {$.00} for each autodraft payment -- effectively forcing the individual to pay in order to pay their loan. They claim this is for " website maintenance '' for a website which they have said they will no longer update ( this is for the XXXX site ) and that the convenience fee will continued to be used once XXXX borrowers are rolled over to the ECSI Heartland website ( which they wo n't give a timeline for ). This is just another example of student loan servicers profiting off of student loan borrowers after winning lucrative contracts with the federal government. There are plenty of other servicers that do not charge for this. When I asked if I could lodge a complaint, I was told they do not take complaints. Additionally, their website is currently stuck in the XX/XX/1990 and borrowers are n't able to update much on the website without calling or mailing in information to the servicer. When setting up Auotdraft for example, it took a month and half to set up and I never received the correspondence that my autodraft would not be in effect for my next payment ( although I filed it well before their deadlines ). Supposedly this information was mailed to me, but I 'm signed up for XXXX -- also a " service '' that ECSI / XXXX does n't seem to keep updated as none of the correspondence I get is ever electronic.
|
| 08/28/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I have been having issues with XXXX XXXX, who took over my loan from XXXX. I have been in deferment for a while because I am a graduate student, but I like to check my account from time to time so I can keep tabs on what I owe.
Last Saturday ( XX/XX/2018 ) I tried accessing my account multiple times and the service was unavailable despite claims on their website that they are a 24/7 access site. I have tried again today, XX/XX/2018, at XXXX and the site is still unavailable. I then tried to contact the company and they ask for a SS #, and it said the number was not on file, yet when I tried to register an account I couldn't because I already had a file. I decided to research the company only to find extremely negative reviews of other people having the same or worse problems ( XXXX XXXX XXXX ).
I have reset my password and gotten " in '' to the site where they say there is no information based on my SS #, yet they say that my loans are being handled on the same page ( screenshot attached ). I logged out and attempted to log back in with my new password, and the unavailability message is back. How is it that I have no access to MY information?!
I plan on graduating this year which means that my loans would come due. I am not comfortable with this sketchy company having my personal information or access to my finances.
I appreciate any help that you can provide.
Thank you.
|
| 11/09/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
A month ago I was made aware that I had XXXX outstanding late payments from a student loan. This loan had outdated information and I did not receive any of the late notices. I had to recover my password for the email account they had on file in order to reopen my online account with them. This loan also did not appear in any of my credit reports I routinely access to for some reason. I paid off the loan as soon as I was made aware of it. All the other student loans have been able to contact me and I have received timely information about them. I even opened a repayment plan for all my student loans and this particular loan was missing from that list. This company, Heartland ECSI, did not. After I paid the loan in full, including all late fees, I requested the company to remove the late payments from my credit report since I did not have access to any of the notices about the payments. The company did not accept my request, in fact, they did not even consider it and they denied my right to speak to another person that could have the authority to help me with this. The customer service representative refused to transfer me to speak with somebody else and also refused to answer my questions clearly. It is my understanding that because I paid the loan in full already, they're refusing any other help with this account as well as my right to dispute the unfair late payment reports.
|
| 08/15/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I am dealing with loan servicer Heartland ECSI. Initially I was not informed by the company that the student loan moratorium was no in effect for this servicer and received a letter that my loan was over due. Not only did I not receive any prior correspondence about this but the company purposely makes it impossible to use their website or their customer service to receive any information about this until a letter sent XX/XX/2022 which I did not receive for another month. Additionally, I was not even notified by my school or the company that my loans would be sent to Heartland ECSI before the letter that my payments are overdue. I have tried to make payments over the phone and over their website multiple times with no luck besides being sent in circles through their phone system and website. It is clear from their reviews that they are overtly involved in XXXX lending as they have over 100 1 star reviews. Although I think this company 's practices are XXXX I would at least like to be able to pay my loan so it doesn't effect my credit score but they have made even this impossible. It is clear to me that they want me to default on my loan so they can collect the money in larger amounts as they overtly make it impossible to deal with any facet of their company, I have literally been unable to connect to any customer service through their website or phone service.
|
| 06/03/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
Servicemember |
|
I received a Perkins loan during my XXXX studies for {$1400.00}. I graduated in XX/XX/2020, and have been receiving paper reminders of the due date for the first payment for several months, which was supposedly in XXXX. I received my XXXX bill and paid {$100.00} on the loan ( the amount due was {$40.00} ) which is shown on my payment history with a date of XX/XX/XXXX. Shortly thereafter, I received a letter from XXXX stating that I would no longer be receiving bills from them for the time being due to pandemic and that they were placing my loans in forbearance. Since I am no longer receiving bills, I now have to either send them a loose paper check or money order with no accompanying billing slip, which is extremely unsafe, or pay online via ACH, debit, or credit, for which they charge ridiculous and unnecessary processing fees. I would like to add that interest is still accruing during this period, so I am essentially being forced to pay an extra fee to pay my student loan bill or face the accrual of extra outstanding interest under the guise of XXXX relief. The method with the cheapest processing fee I was able to choose is {$1.00} to pay from my checking account via ACH, as the other options included fees that were 3.95 % of the total plus {$1.00}. This practice is absolutely unacceptable and I am surprised this company has been allowed to do this unchecked.
|
| 05/26/2020 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
Heartland Ecsi. payoff amount is {$5400.00} plus XXXX in interest due. I was several months behind on a personal loan unknowingly I thought I was in forbearance. I sent in a request to forbear up to the total amount owed. I was told I had enough to forbear until the end of May.The forbearance was approved but they did not cover {$730.00} dollars due by XX/XX/XXXX. I have called several times asking abut the referral and they said they were still waiting on the approval, So today I conducted a chat with XXXX. he told me I was placed in forbearance XXXX. That I have used the amount of forbearance allowed. The amount of my dues will not clear to XXXX and that interest has accrued can be paid monthly or in one lump sum with your first monthly dues. The Care act does not apply to this loan. I told her I can barely cover any bills at this time due to losing my art time job. She said unfortunately we can only provide the options under the loan terms of your school. I then asked if this was a federal loan, she said yes then corrected herself that it was an institutional loan. I was given no options and given five days to pay {$770.00} dollars I do not have, It is a small loan. It should be under XXXX a month. I can pay that. I have been getting the run around for sometime. I receive no emails, letters or paperwork monthly. I was given no options nor would they budge.
|
| 03/25/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
I 've had both the amount and the due date of my student loan arbitrarily changed. No prior notice was given that the amount nor due date would be changed. I was simply notified that I was ALREADY 45 days late!
Previous notices tell me I owe {$270.00} on XXXX XXXX, 2016, but then mail notices in XXXX 2016 tell me I am 45 days late on the amount of {$1200.00}!
Since the amount and due dates keep changing **without explanation*** I therefor need, first & foremost, to have communications in writing so I can have documentation of what arbitrary changes are made WITHOUT prior notification.
I have emailed Heartland / ECSI and they replied that they canceled the the inquiry because : " To safeguard your account specific information, security measures do not allow ECSI to respond to your question/inquiry via e-mail. However, we will be more than happy to help you through our Live Chat portal or via telephone at XXXX. '' That safeguards THEM from me getting proof in writing of what they said! It does NOT protect ME!
I need : 1 ) email communication so I can document their harmful & arbitrary changes to my account.
2 ) I also need explanation as to what they heck they are doing & why they keep changing the amount due & the due date.
3 ) I also need to know how they are calculating my interest & when it is due.
Thank you for your help, XXXX XXXX XXXXXXXXXXXX
|
| 05/10/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
The company recently was bought and is transitioning to a new website. I attempted to log into their website and was then notified they had transitioned to a new site. I had to create a new account and etc. I use a credit union and the account information I enter with some institutions, I can omit the zeroes at the end of my account and some require them to be used. When I put in the account number apparently it was incorrect by XXXX standards and I was charged a XXXX NSF fee. After seeing the fee, I checked the old website and miraculously that website was active that day and I was able to log in and make a payment. I scheduled a ONE TIME ACH payment for XX/XX/XXXX. A day or two later when I attempted to log into the old website, it again prompted me they had changed and I had to go to the new website. Upon logging in, I saw no record of a XX/XX/XXXX payment being scheduled and that my payment information was showing REOCCURRING payments starting on XX/XX/XXXX. I did not authorize for reoccurring payments nor schedule one on XX/XX/XXXX. Secondly, now I will be charged late fees due to the switching back and forth of websites and never knowing which one to use. During my customer service experience, I had one CSR close an online chat and said call them if I needed further assistance. Also, this is the only company I use that charges me to pay my bills.
|
| 10/14/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
My federal loan disbursement is being held up as pending with Heartland ECIS although XXXX XXXX deposited the money at XXXX XXXX on XXXX XXXX XXXX My disbursement is held as pending over the weekend. This is money I have taken a loan out for yet I am not given access to. This is a scheme by the University and by the third party loan handler Heartland ESCI. My excess money is being held until the very last minute on XXXX th day to be disbursed and I am not given access to the money until XXXX or more days. Heartland claims to give access to funds the same day as long as deposit is before XXXX pm yet once the funds are released from XXXX XXXX, heartland ECIS claims XXXX Hasn't released the money to them. I called XXXX XXXX to see if I have a pending deposit and the answer was no. Heartland ESCi claims once XXXX releases the money than it will go directly into direct deposit account. XXXX claims the money was release on the XXXX. Now it's the week end so my money is just sitting with Heartland claiming to be pending because XXXX has not released the money. So who is at fault? If XXXX university hasn't not released my money, are they in violation for not releasing the money in XXXX days after being paid with my federal loans? This is every disbursement. I am always being held up over the weekend paying interest on money that I can't have access to.
|
| 06/20/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
2nd complaint regarding payment processing and billing of XXXX I entered into a rehabilitation agreement on or around XX/XX/2015.. ( can't remember the exact date ) ... but it is recorded. I called XXXX customer service representative and explained that I was having an economic hardship. She set me up with a rehab of {$25.00} per month at that time my loan was 30 days delinquent and the owed balance was {$220.00}. This was not reporting to the credit bureaus. The money was coming out of my checking account on time every month.
This operator did not inform me the payment amount was insufficient and fees would continue to compound as the time passed. I didn't receive any notification from XXXX regarding the operator error. I rarely received bills from them at all.
Recently ( a few days ago ) I spoke to a team lead name XXXX, who informed me this representative was not supposed to authorize or set up this type of agreement and she has since been fired. Again no one called me to correct the rehab agreement mistake yet the company allowed the fees, interest and service charges to pile up over the years.
The mere fact that the operator was fired, shows how common mistakes are made with XXXX regarding processing our Federal loans. These mistakes are devastating to us the consumers because they affect our credit score with negative reporting.
|
| 10/16/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
ECSI I has become the new servicer of an erroneous student loan and has been requesting payment of {$2500.00} which also shows up on my credit report only as of XX/XX/XXXX for a loan opened on XX/XX/XXXX ( it went unreported for 14 years according to ECSI 's records ). I have contested this loan as multiple times as the university with which I initially took the loan has confirmed that I do not have an outstanding balance and provided me with my final XXXX balance tuition bill ( which I have also shared with ECSI ). I have repeatedly asked ECSI to explain where this {$2500.00} is coming from and why is it showing up on my credit report a decade later and they have not responded. I had one loan in the amount of {$3000.00} which was in fact opened thru the university in XXXX and was paid in full by XXXX ( I also have the confirmation of this final payment from XXXX XXXX XXXX Dept of Ed XXXX XXXX and provided that to ECSI to no avail ). I have received correspondences from ECSI and XXXX ( not sure the affiliation ) regarding this incorrect loan of {$2500.00} as well as provided them with documentation affirming that but they have not responded nor requested that the account be closed so it can be removed from my credit report. Please help in resolving this issue as I have been unsuccessful in getting an meaningful response from ECSI.
|
| 01/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
The story started back in XX/XX/XXXX. Someone had set up a merchant credit card account and had my name and Social Security number ( I suspect ). They used my company address, phone number, and my company email address. They used an email address that is not mine : XXXX. They used a phone number ( XXXX ) that, when XXXX, is to a XXXX XXXX service. I am an XXXX. I do not run an escort service. And heartland bank called me and said this is whats going on and I said that it was not me. I filled out a form for dispute resolution department at heartland Bank. I marked " I am requesting that my response be attempted for this dispute I understand that the issuing bank does not accept my response that I will be charged the XXXX pre-arbitration fees imposed up to $ XXXX '' See pdf file attached. And that was the last I heard from them. They accepted that and said to file a police report. We tried to file a police report. But the XXXX XXXX XXXX police department would not accept a complaint because there was no harm done to me, there is nobody to chase, and it was not in XXXX XXXX XXXX. Now XX/XX/XXXX Im being contacted by a collection agency for {$6200.00}. I was told by Life Lock to file a fraud alert with my with XXXX credit monitoring companies. I have done that.
The heartland reference number is XXXX. The XXXX number is XXXX.
|
| 05/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Since XX/XX/XXXX, I have had monthly payments auto-drafted from my checking account to my student loan servicer, XXXX XXXX ( " Heartland '' ). In XX/XX/XXXX, Heartland claims that the ACH payment began being declined because of a closed account status. ( In fact, this is indicative of an administrative problem either with Heartland or with my bank, because the checking account had not recently been closed. ) In any event, Heartland failed to notify me that my payments were not being processed every month.
I only found out about my delinquent account status when I checked my credit report and saw the negative reporting history submitted by Heartland. Specifically, Heartland had reported that I had missed payments for XXXX and XX/XX/XXXX, and that my account was at least 60 days in arrears.
Upon calling Heartland, I discovered the reason I had not been notified is because they were sending statements to an incorrect mailing address ( as a result of their own typo -- a transposition of my house number, and not because my address had in fact changed ). I asked Heartland to correct the negative credit reporting because the lack of notification was clearly their fault, but they refused to take any action.
I do not think my credit should be negatively impacted because of this loan servicer 's neglectful business practices.
|
| 11/07/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have been trying, for months, to gain access to my account with ECSI Federal Perkins Loan Servicer. I never received the initial access document they said I should have, was disconnected on repeatedly while waiting on hold, and have received no written response to my mailed requests for assistance.
Yesterday, I was finally able to speak with someone on the phone to gain access to my electronic account and make a payment. I was trying to take the actions directed, to make the requested payment in the letter I received yesterday, XX/XX/2019. This letter, dated XX/XX/2019, gave a 30 day window to make the payment, and directed me to do so online.
When I called back, I was advised that yesterday was a processing day, and that I would be able to make a payment today, XX/XX/2019. I requested verbal confirmation of this, and was told again that I would be able to make the payment today.
There continues to be no payment option on the website, and when calling in I was advised I can not make a payment with them, despite the very clear dates in the letter sent to me via mail. Throughout my dealings with ECSI, I have been lied to repeatedly, not responded to, directed to take actions that are impossible, and given no recourse to have my concerns addressed. Their practices are highly deceptive and fundamentally unfair.
|
| 09/15/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
On XX/XX/XXXX, I authorized a payment of {$5400.00} to the Illinois XXXX XXXX XXXX XXXX XXXX ) via the loan servicer Heartland ESCI. I received an online receipt of this payment and online confirmation that it was processed. The intent of the payment was to pay off a XXXX XXXX in full.
At some point shortly after ( I believe before XX/XX/XXXX ) XXXX transferred my loan to XXXX XXXX XXXX XXXX XXXX ( no relation to XXXX XXXX, as far as I know ). XXXX XXXX XXXX XXXX XXXX has no record of the {$5400.00} payment being made. XXXX XXXX still shows a record of the {$5400.00} payment, and per my calls to XXXX their records show the loan as paid in full. However ECSI XXXX XXXX XXXX XXXX provides no mechanism to submit any documents and their customer service line insists that the university ( XXXX ) must reach out to them directly.
I have attempted to resolve this issue through XXXX several times ( starting on XX/XX/XXXX and most recently on XXXX ) and been assured that " it will be fixed '' but I have seen no concrete change on the XXXX XXXX XXXX XXXX XXXX account. As of XX/XX/XXXX with the end of the student loan pause XXXX XXXX XXXX XXXX XXXX has sent a demand for payment. Given the apparent inability or unwillingness of the parties ( XXXX and XXXX ) to resolve this matter or allow me to do so, I now escalate it.
|
| 07/20/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
I went to XXXX from XXXX. It has been almost 20 years ago. I was a XXXX XXXX XXXX in XXXX. I applied for a loan cancellation/deferment in XXXX on multiple occasions with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX I was lied to about the requirement to cancel the loan as a XXXX. For years I called to ask about the cancellation process for full-time nurses and I was told that there was no such program or I was not qualified for various reasons that were not true. The original loan was {$5000.00} but now {$8000.00} even after XXXX XXXX XXXX XXXX XXXX XXXX for 18 years. No matter how much I sent and how many time I worked full-time. The loan doubled and tripled in cost.
The final straw with this school is that the loan should have been on deferment due to unemployment this year from XX/XX/XXXX. Every time I sent paperwork to show that I was on unemployment, they found a problem with my application to deny it. I was given a due date to resubmit the paperwork for this loan ( XXXX ). I did all diligence to resubmit the form base on their request. Imagine my surprise when I saw that they sent me a collection before the due date has expired. I have been given the run around since XXXX by this company. Today 's date is XXXX why did I get sent to collections when I am trying to submit proof to them.
|
| 06/23/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
My loan is not due to beginning accruing interest until XX/XX/XXXX, before which time I plan to pay off the entire principal. However, XXXX XXXX took over collection agency and since then as been adding interest to the loan. I've called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to speak with customer service representatives about this ( as I've received bills each of those months telling me I have to pay my loan within 2 weeks ) and each time they tell me the problem is taken care of. Yet, each month the amount owed increases. I called again XX/XX/XXXX after receiving another letter with more money added to my principal and the representative told me there wasn't even documentation of some of my prior calls. I was informed that a special team is looking into it as I've been incorrectly assigned the interest ( confirming that their system shows I shouldn't be getting any interest yet ). I should have heard back within 2 weeks. It is now 3 weeks and nothing has been done. I've received no correspondence addressing my concerns or confirming that something has really been done after any of the times I've called. On the website, my profile lists no active requests or details showing that my account is being investigated. More money keeps being added to my principal ( in total {$320.00} extra ).
|
| 12/04/2019 |
No |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I am on an automatic payment plan with Heartland ECSI.
XX/XX/2019 I wanted to make a payment on my largest loan with the highest interest rate. Heartland ECSI does not allow you to target specific loans. This is unjust. To make a payment online one is charged a {$10.00} fee, and a 3.95 % charge. This is clearly immoral and wrong.
XX/XX/2019 I made a check payment to Heartland ECSI of {$1000.00}. The payment was not processed. See attached : " Payment Not Processed '' .pdf.
XX/XX/XXXX account statement reads {$870.00} Past Due and {$18.00} in Fees. See attached.
Subsequent statements, also attached, accrued interest and fees on this amount. I did not take any action on paying these fees and amounts, since I thought it was clearly a mistake.
XXXX I called Heartland and they said it was a mistake. The removed the fees from my account and the Past Due amount with interest charged. I asked why was my one-time payment not processed. They said they " could not find the account. '' I asked how can I submit a payment without paying the exorbitant fee.
They said send in a check.
I already tried sending in a check ; that is what caused this problem in the first place.
In short it is seems impossible to make a one-time payment to Heartland ECSI without some sort of exorbitant fee for the privilege.
|
| 09/22/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
XXXX XXXX has been increasingly delinquent with payments posting to my account ( see XXXX sheet attachment with check payments and date posted to account as well as screenshots of both payment and loan systems ). I would like XXXX to be prompt with payment posting to my account immediately once a check is cashed so that interest does not accrue.
Payment Index Check Amount Payment Posted to XXXX XXXX XXXX Payment ID XXXX Check Payment Sent XXXX Check Payment Cashed Difference Between Days Cashed and Posted 1 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 -4 2 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 -4 3 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 -2 4 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 -4 5 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 -4 6 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 XXXX2 7 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 -2 8 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 -4 9 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 1 10 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 6 11 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 7 12 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 2 13 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 2 14 {$75.00} N/A XXXX XX/XX/2018 XX/XX/2018 N/A 15 {$75.00} N/A XXXX XX/XX/2018 N/A N/A 16 {$75.00} N/A XXXX XX/XX/2018 N/A N/A
|
| 11/02/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I called XXXX to get options about repayment, I couldn't log into the site because the statement I received from them didn't have the proper log in information I needed to actually log in. I spoke with someone for over XXXX minutes about whether I needed to be making payments when I am applying for forgiveness for being a teacher. They insisted that if I do not make payments, I will go in default. I set up my payments and sent in the required paperwork for forgiveness. The paper work says you can check status online-but you actually can not check the status. The paperwork also says you will get an email if there is any issues with the application-which I did not. I called after 30 days because I hadn't heard anything and couldn't check the status online ( because that's not an option according to them ) and they said someone noted that they emailed me on XX/XX/XXXX! They absolutely did not. I asked why they didn't call and they said they would only send a letter if I didn't have an email listed-to which I didn't received a letter either even though I have verified my email address. They now say I have to resubmit ALL my paperwork and continue to pay on the loan until it is processed. I asked to speak with a supervisor because my boss is on maternity and they said someone would call me but haven't.
|
| 09/23/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
To whom it may concern, I have been trying to set up automatic payments with XXXX Heartland for two months now. I have been reliable on my payments now for nearly two years but when they switched to a new website they keep " losing '' my information. I tried to set up automatic payments in XX/XX/XXXX and I received an email confirmation stating the following.
Below is confirmation that your recurring payment has been scheduled/edited. Transaction Date : XX/XX/2017 Heartland ID : XXXX Organization Name : XXXX XXXX XXXX XXXX XXXX Product : Student Loans & Receivables Routing/ABA Number : XXXX Account Number : XXXX Account Type : C Total Scheduled Payment Amount : {$830.00} Scheduled Payment Date : XXXX of Every Month ( Starting on XXXX ) However, I recently received a letter from the company stating that I was 45 days late on my payments. I contacted customer service and they gave me the run around and said my XX/XX/XXXX information " did not save '' and offered me the option of a one time payment, which by the way comes with fees of up to 3.95 % of the loan balance. Why did they send me a confirmation email if my payment " did not save ''?
I am getting nowhere with this company and I am not going to pay fees that are a result of their negligence not mine.
Thank you, XXXX
|
| 06/11/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
I have a Perkins loan which is currently held by the Department of Education, and serviced by ECSI, a division of Heartland Payment Systems. I am a Massachusetts resident.
ECSI has failed to register with the Commonwealth of Massachusetts as a 3rd-party loan servicer, as required by 209 CMR 18.01, despite acting as one as defined by 209 CMR 18.02. According to 209 CMR 18.22, this constitutes an unfair and deceptive trade act or practice, and is a violation of M.G.L. c. 93A, 2 and is subject to the penalties contained in M.G.L. c. 93A.
Despite having brought this to the attention of ECSI quite some time ago, they have taken no remedial action, and continue to demand that I pay them, even though it would be illegal for them to accept such a payment.
I have already filed complaints about ECSI and their unlawful business model with the Attorney General of Massachusetts, and the Student Loan Ombudsman.
Before this note was assigned to the Department of Education, it was held by XXXX University, who also had it serviced by ECSI. After explaining to their counsel that ECSI was violating the law in their name, the university made the decision to assign the note to the Department of Education, rather than have it serviced by a company that operates within the bounds of the law.
|
| 01/05/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
XX/XX/XXXX, I sent a deferment and cancellation request form to XXXX XXXX. They sent back a request via email requesting a letter sent from my employer indicating which school. I sent the letter back to Heartland right away. First of all, the instructions for sending the letter was horrible. It did not tell what information to include in the letter or if anything needed to be sent along with it. I sent the letter the same day I received the email from Heartland. I never received another email from them until XX/XX/XXXX. I went to my account only to discover that I received a billing statement saying my payment is due XX/XX/XXXX. I contacted Heartland to see why I was receiving a statement and the lady told me that they did not receive the letter I sent. Mind you nothing in my account shows when I submitted the request or that they had sent an email requesting for more information. I did not receive another notice. The representative told me that I would need to submit paperwork again because it had been longer than 30 days. Really?? I asked if I could send a copy of the letter and was told no. The communication with this company is horrible. Why could I have not sent it electronically? They accept nothing electronically but they sure do send out all notices electronically.
|
| 07/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I attended XXXX university school around XXXX. When i attended i used my XXXX XXXX XXXX to pay for school. However the school mislead me by telling me to take out a student loan so i could start school and in return my XXXX would cover the cost as it should. I stopped attending because of a few issues. 1 this was during the pandemic and 1 class was canceled and 2 the scheduling of the class was wrong. I also apparently had a previous balance from attending XXXX college which now is XXXX university, I attended them back in XXXX for 1 month. Now from what i understand is when i started in XXXX, XXXX university took my old balance and added it to a new student loan which i never consented to that. In total i owe {$7100.00} to which it states on my credit reports, the issue I have is that i already pay a debt to the US Dept of veterans affairs for the same amount because they paid the school as well as I was scammed into attending with no knowledge of an old balance. I strongly believe that I was taken advantage of due to me being a XXXX XXXX XXXX veteran. I have asked all 3 credit reporting agency 's to investigate as well as remove this fraudulent account on my reports. I have also reached out to XXXX and asked them to remove this and stop trying to collect on this.
|
| 10/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
|
|
Web |
Older American, Servicemember |
|
I attended XXXX XXXX during the period XXXX. I have paying off my loans since then and currently have one that is adjusted due to my low income.
However, on approximately XX/XX/2023, I received a letter from the ECSI Federal Perkins Loan Service in XXXX XXXX, PA XXXX stating that I owed a past due amount of {$2100.00} on a loan I had never heard of.
To further confuse the matter, I spoke with an agent at the Federal Perkins Loan Service and they said the school had no documentation on this " loan '' except a p/c of the original signed agreement. The school has no record, nor do I, of ever notifying me of the existence of this " loan '' or of any interest acquring. There is no record of why the interest accured, payment received, and why I was not notified.
I dispute the existence of this " interest '' and question that after 23 years or so of no notice that I even am liable for such an amount. How can one acquire interest on principal that ( according to them ) has been paid or at least does not exist at this time. ( Principal Due : {$0.00} ) At the most basic level, this is an example of sloppy bookkeeping or just conjecture on their part.
Further my personal situation is that I am XXXX, suffer from a XXXX XXXX, and my husband is XXXX ill with XXXX XXXX.
|
| 08/20/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I have XXXX different federal loan service providers : XXXX and XXXX XXXX. I applied for a forbearance on my loans until XXXX. XXXX was relatively easy but XXXX has been really complicated. XXXX XXXX is the service provider for my perkins loans, I filled out the form needed to apply for forbearance as directed and mailed that out. When I spoke with a customer service representative from XXXX last week, they said that the form had been received and to keep a look out online for my account to be updated. This week, I end up getting a message from XXXX saying that I had been approved for a forbearance with the exact dates I had requested for my XXXX XXXX ( which is serviced through XXXX ). I dont know how but there was a mix up and when i tried to talk with XXXX customer service they said they had nothing. They didn't try to help me trouble shoot, they basically told me that the notes on the last call I made claimed that they told me no forms had been received XXXX which was not what happened XXXX. Ultimately, I dont know where the mix up happened but XXXX XXXX is making it really difficult to get things in order so that I won't have a late payment. I tried to do all this to avoid a late payment on my XXXX XXXX and they've just made things so much more difficult.
|
| 12/13/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
My loan is due to come out of deferment/forbearance on XXXX/XXXX/XXXX. I made a payment for {$80.00} ( twice the monthly amount due ) through my bank on XXXX/XXXX/XXXX to be delivered on XXXX/XXXX/XXXX. The payment was processed on XXXX/XXXX/XXXX and 2 days later, still due was {$40.00} for XXXX/XXXX/XXXX. I inquired with Heartland ECSI and they said that payments made more than 10 days before the due date are applied to current month and not the following. This obscure rule is not outline on their website. After dealing with several CSRs, my payment was applied for XXXX XXXX and the next payment will be due in XXXX XXXX. Upon further inspection of my account, what was not explained in detail was that even though the site said that my payment for {$80.00} was applied to my principal, my payoff balance was {$9.00} short of what it should have been. After inquiring with another CSR, they said that the missing amount was for the interest accrued for XXXX XXXX, yet I still owed a {$40.00} payment for XXXX XXXX -- that should not be considering a payment was made and the site said ALL monies went towards the principal, when in fact, {$9.00} went towards interest for XXXX XXXX. This company is using underhanded tactics in an attempt to fool and cheat its customers.
|
| 10/23/2019 |
Yes |
- Student loan
- Private student loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My Perkins Loan, which I took out as a student at XXXX University in 2010 was wrongfully submitted to a debt collection agency. All of my loans are consolidated and I make monthly payments to it through XXXX XXXX. For some reason, this was not included in that. However, XXXX never reached out to me to make a payment to this loan and marked it as delinquent and submitted it to a debt collection agency. When I was contacted by this agency, they had added quite a bit of fees to it. In addition, it harmed my credit score. I tried to reach out to XXXX to resolve this issue and after bouncing from several different places ( I was always forwarded to a different contact that could " potentially '' help me with the issue ) I was told that the only way this could be resolved was if XXXX withdrew the submission from the debt collection agency. Since that point ( about 3 weeks ago ) I have been trying to reach someone at XXXX to resolve this issue so I can pay the loan in full and work on fixing my credit. However, they keep telling me someone will reach out to me with an answer and I never receive an answer from them. I have tried to reach everyone I can at XXXX and at this point, I am simply trying to figure out how I can have XXXX help me in resolving this.
|
| 01/28/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
( 1 ) H
eartland ECSI is the service provider. Their customer service representatives give different information about the matter, no one is consistent with the answer. ( 2 ) I've been making payments to my loan and they rarely report this the credit bureaus. From time to time, they report to XXXX, and when they do, the information is incomplete and inaccurate. In addition, since they rarely report, they remove the account from the credit report, thus constantly affecting my credit history and score. ( 3 ) They only report ( when they do -- and its not on a monthly or bi-monthly basis ) to XXXX. ( 4 ) Their processing fees are ridiculous. No matter which payment method you pick, if it's not a recurring payment -- they charge you a fee. This is a student loan not a title loan or a private loan. This is unacceptable. ( 5 ) They don't communicate effectively. No notifications are sent when amounts are due. ( 6 ) My account homepage lacks so much information that -- I've made payments in full of the amount due -- and 10 days later I login to find a new balance ( {$6.00} ) and there is no statement or description of the new charge. ( 7 ) The information reported on this account is inaccurate -- balances, payment history, payment am
ounts, etc.
|
| 12/12/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
I am currently a borrower with Heartland ECSI as the administer of a loan originating from XXXX College.
Through the course of my relationship with this company, they have made it consistently difficult for a borrower ( me ) to make payments. These difficulties have resulted in the accrual of late fees, which I suspect is the main intention of this company.
Their actions have included ( 1 ) not allowing users to make payments on their website ( multiple processing errors on multiple days on various web browsers ) ; ( 2 ) when payment has been able to be processed, making it impossible to schedule the payment ( and recurring automatic payments ) on the correct dates thereby incurring late fees. On top of this, their customer service is inaccessible or incapable of remedying problems. For instance, outside of live customer service hours, the company 's online option to leave a message ( because it is after customer service hours ) leads to a screen stating that customer service is closed so you can not contact them ( NOT LEAVE THE MESSAGE? ).
This is a pattern of practice intentionally engaged to take advantage of borrowers and increase profits through the unjust accrual of late fees. This company should be penalized and shuttered.
|
| 12/13/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid off the balance of the Federal Perkins loan under XXXX XXXX. I was told my debt would be transferred over to a new loan servicer, but I only had a small amount left to pay off. I received a notice form this new servicer XXXX ( website XXXX XXXX XXXX ) that I owe a larger amount, which was incorrect because the correct amount left to pay off was less. I called the company and they said that there may be a lag in communication during a loan servicer transfer, so the record would be correctly shortly. I then called XXXX XXXX, who directed me to call my school. I called my school ( XXXX XXXX ) and the loan department confirmed that the correct amount to pay off was the smaller amount. They told me I could pay off the balance with XXXX XXXX since the records weren't transferred to the new servicer yet, and that doing so would pay off my entire debt owed for this loan. I opted to pay off the entire balance with XXXX XXXX to avoid dealing with a new loan servicer, and I should have a {$0.00} dollar balance.
I have just received a second notice with the incorrect balance from XXXX, with a message stating that my balance is 15 days overdue and they will have to report delinquent accounts to the credit bureau. I do not owe anything.
|
| 09/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Going over my student loan and online I am missing statements from XXXX XXXX and there are missing statements as well from XX/XX/17 to XX/XX/17.
On all of my billing statements they show some fees but none of the fees make sense. I have spoken online a few times about the situation and they seem very helpful and want to help but still nothing gets accomplished.
I have filed a dispute on credit report but now I cant even find the account on any of my credit reports.
I was late on making payments but having the conversation online with a chat representative because that's the only way to actually get a hold of someone. and They said my late payments should be removed and they weren't and now the account is just gone. But they have me okay for some months during my rehabilitation process and then out of no where I'm late and my payment is late again when it is set up on automatic repayment plan. Now every time I go to check my bill it says that there is a 0 balance due. I reported this last month and then this month it happened again. I'm just confused and it is just unprofessional. I do not trust them with my student loans and want to know where my money is going and to what and why things are just appearing and disappearing.
|
| 10/18/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
On XX/XX/XXXX, I started an online chat with XXXX XXXX regarding some confusing messages I'd received about my Perkins student loans. Their website says my account is in forbearance till XX/XX/2018 ; but I received a bill showing a balance due next month.
When I applied for the forbearance, it was my understanding that interest will continue to accumulate on the account, but you don't have to pay it till the forbearance is done. I spoke to XXXX via chat and she said that my account was actually past due and that I needed to pay. While chatting, I XXXX the terms of a Perkins Loan forbearance and found three sites [ plus the Perkins Loan forbearance form itself ] which say that while interest will continue to accumulate, you can wait till the forbearance is done before paying it off.
I confronted XXXX with these facts. She then said that was what she said. I copied and pasted what she ACTUALLY said. She proceeded to apologize, confirmed that I was right, that my account was in good standing, and kept telling me that she was in training. I demanded the name of her supervisor ( XXXX XXXX ) and was told that I could call to make a complaint. I attempted to call XXXX and was on hold for 7 minutes before I gave up and hung up.
|
| 11/26/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
In XXXX school year I borrowed XXXX. I paid off XXXX. A bank analyst and 2 schools inflated the amount to XXXX up to XXXX debt. Had no promissory notes, so DOE determined NOT collectible, XXXX and then reopened same paid notes and refused to reapply payments. They took payments off original notes and put them onto fraudulent ones that were dismissed. Took up to XXXX of my income XXXX. Put payments on the discharged fraud debt. Refuse to reapply and refund. Case was filed XXXX and is pending in Cir Court XXXX. DOE determined for collector not to collect on debt in dispute. DOE determined anyone whose income is below XXXX to pay XXXX. ECSI is charging me XXXX when my income is only XXXX or so. Prior ID theft caused credit report score to be XXXX. Collector collecting it any way again. Even though collector stated, no sanctions for non payment until XX/XX/XXXX or so, ECSI turned my name and this false debt into credit bureaus, after the same identical debt was in the credit bureau for 10 years before. Got credit score up to XXXX. Because I did not and was allowed to not pay XXXX beginning XX/XX/XXXX, credit score went down to XXXX. Claimed because I did not pay for a debt I do not owe, and that pending fraud charges. See proof
|
| 01/01/2018 |
No |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
My husband and I both have, and have had loans through XXXX XX/XX/XXXX. We have both on several occasions set up, online, and over the phone automatic payments. 3 times. Once I tried. Twice he has tried. All three times we receive late notices through the mail with late fines attached. I am convinced this in on purpose so they can collect the late fines. The last time we called, they refused to answer their phones, and put us on a call back list. Four days later they have still not called us back. The last letter was XX/XX/XXXX. It says we have 15 days to pay. The last, of many, phone call we made was on the XX/XX/XXXX. XXXX XX/XX/XXXX says my husband owes {$85.00}. The letter also says we are fourth-five days past due. But we were living under the assumption our automatic payment had been set up, and that the bill was coming out of our bank accout. No email, to my knowledge was sent, and no phone call to notify us of any card number discrepancy or name misspell. Just a letter, already late, telling us we did not even try to pay. I am very frusterated and I would not wish this lack of customer service on anyone. It feels as though there are no humans running their business, only faulty computer systems.
|
| 08/12/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
I received a loan from ECSI under XXXX University initially in XXXX. I attended XXXX XXXX XXXX XXXX, Il from XXXX. I made payments of {$80.00} in school as I was able to do. As of XXXX, I made payments every month minus 2 months when billing issues with my debit account occurred. As of XXXX, my bill states that my account was current. As of XXXX, I received a bill that stated I was delinquent in my payments and was charged a XXXX late fee. I have continued to be charged a late fee of XXXX per month despite my automatic ACH payment of $ XXXX/month since XXXX. Additionally, no representative can explain to me how my account is 18 months delinquent and continues to be more and more delinquent although I continue to make payments. This has prevented me from allowing to list this account for loan repayment because it is delinquent although I make monthly payments higher than the required amount, monthly. Each time I ask for an answer, I am referred back to my school who does not hold this information. Lastly, if more of my payments were charged toward my principle each month, I would not be delinquent, I have been told that this is not an option, when, in the past, this was an option with paper statements.
|
| 05/01/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
This is actually a combination of several things : How payments are being handled and how fees are being assessed/charged. I have a Perkins loan that is being handled with Heartland ECSI. This loan is not covered under the CARES act so I wasn't expecting anything to change with my payments. I'm currently paying more than required payment and I've payed over 50 % of the loan off. I received notification in XXXX that the loan had been placed in Administrative forbearance by the University XXXX XXXX. The explanation on the ECSI site is not clear but my balance indicated that I still owed about 13.00 in interest. I tried to pay it since the loan is in forbearance ( and I didn't request it ) I should be able to make payments without penalty, right? Wrong. Any payments are assessed a fee of XXXX per payment. If you use a credit card, you are charged a 4 % processing fee. The only way around this? Set up automatic payments and take the loan out of administrative forbearance - which I wasn't willing to do with the economic uncertainty. I want the advantage of no interest. ECSI will not allow me to make a payment while the loan is in forbearance. without charging me a fee. How is this legal on a student loan?
|
| 03/06/2020 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
My loan from Heartland ECSI qualifies for cancellation as I am a XXXX XXXX XXXX. I submitted and had all my paperwork accepted last year. This year they have denied me THREE times. Each time I call and a representative tells me I am missing some small thing. I am forced to contact my HR, have all the paperwork redone and resigned, have the paperwork sent to me, and remail all the paperwork in. Each time the representative promises me all the steps are complete and each time it is denied. They are running out the clock on my loan grace period now and I will soon have to make payments on a loan I should receive forgiveness for, often when I call they can't access my documents and make me call back and sit on hold for up to an hour so they can again tell me they need something new. At this stage the state that my job description doesn't say " XXXX XXXX XXXX '' because I work in a XXXX XXXX XXXX, and it says " XXXX XXXX population '' so I submitted a letter on letterhead stating I am a XXXX XXXX XXXX and they denied it AGAIN. I can't force my XXXX to rewrite a job description. They are clearly doing all they can to run out the time so I have to start repaying the loan. This is unethical to the extreme.
|
| 06/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Since XXXX 2019 I've been trying to fix this problem. I have a student loan from XXXX University, administered by Heartland ECSI. My loan and payments showed in my XXXX credit report. I disputed to XXXX the payment history information and balances as it was incomplete and inaccurate. The dispute was submitted successfully. In less than 12 hours, XXXX responded saying " they deleted the account from my credit report ''. This has caused me serious problems : ( 1 ) I've not been able to fix it, even though Hartland ECSI confirms they have been reporting my payments to XXXX on a monthly basis ; ( 2 ) XXXX says they can not add the account back, even though they deleted the account without my request ; ( 3 ) My credit has been significantly affected as it plunged my credit history to the floor, thus lowering my credit score SIGNIFICANTLY. I have evidence showing ( 1 ) the account exists, it is mine and it was in my XXXX report. ( 2 ) Hartland ECSI has evidence of reporting my information to XXXX, and ( 3 ) that the account has been deleted and never restored since XX/XX/2019.
I really need this to get solved. It has negatively affected me, lowering my score and limiting my credit options.
|
| 03/23/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
I have been making payments regularly on all my college loans without missing a payment except during Grace Periods. Last XXXX, in XXXX 2015, I was given a Grace Period for my other loans because I was facing financial difficulties. I was advised to continue to make small payments. I continued to make payments as advised. My problems with XXXX XXXX XXXX XXXX XXXX started when I sent my XXXX payment prior to receiving their bill. I noticed a late fee charge on my next bill and contacted them immediately. I explained what happened and requested they remove the late charge. The last time I called, their representative XXXX XXXX in XXXX, he insulted and hung up on me when I requested to speak to a Supervisor. I continued to make payments monthly as they continued to increase the late payment charge. There is a discrepancy between my account and the payments I have made. I got a " Second Notice Past Due Payment '' letter today. I never got any previous letter from them notifying me of any past due payment. Your Agency is my last resort to resolve this. I would like a record of all the payments I have made to them. It is my considered opinion that they are overcharging me. Thank you for your help.
|
| 02/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Student loan reports to my credit incorrectly and both the school and their reporting company refuse to correct it. Account was not serviced properly. No letters, no calls no emails were sent to advise I owe them money. First letter came to a relatives address and when I called I was told no account existed and not to worry. Later I find out theres an open collection on credit. I paid it off immediately. However, it appears that collection is still on my credit show past due, showing a balance due over the available credit limit, showing a payment equal to the amount due, reporting every month as an open account and XXXX days past due. Both the school and school servicer reporting to credit refuse to give an accurate letter to match the account number they reported to credit. This prevents me from asking the credit bureau to dispute - account numbers do not match. I have requested credit bureau to call the school and gave my verbal consent to both. School servicer advised me that they dont talk to credit bureaus, and they only report what school gives them. This is a vicious cycle, which hurts me financially. Im unable to purchase a home because of this account and how it reports.
|
| 11/12/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I have contacted XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and in XXXXXXXX XXXX XXXX. Both times I was sent an email by XXXX, a representative from XXXX, stating they needed more information and to call them ( XXXX ). I filled out my application in XXXX XXXX for XXXX XXXX XXXXXXXX XXXX XXXX - a public service career. I assumed this would be a fluid process- it has not. They only verbally tell me what I should insert on the form and when I do, they send me another email stating to " call them because of errors ''. After my first " erroneous '' application ( they indicated I did not put " teacher '' and correct dates on the application ) the staff member told me the exact dates to add to my second application - I wrote the exact dates she indicated based on my years of service as XXXX XXXX and wrote XXXX XXXX XXXX. They denied my application again. I asked them if they could send me any document that would indicate what I needed and what the errors were- they refused twice. It appears they just keep moving the " goal post '' each time I fill out an application. I have four college degrees so I believe I know how to follow directions and fill out a basic application. Please help!
|
| 02/07/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
XXXX XXXX was assigned to service my XXXX XXXX in XX/XX/2017. Since that time, I have not received periodic statements from them. Today I checked the mailing address on my account and it is correct, and my account preferences that all statements should be mailed to me. There is no reason I should not have received statements via mail.
This morning I received a prerecorded call from Heartland telling me to call them back. I never consented to receive prerecorded calls. I called them and was placed on a lengthy hold. During that time I checked my account online. It shows I am three months past due on my account. I NEVER received any statement for any of those charges. I tried to chat with XXXX XXXX on their website and submitted my complaint through their website as well. No response.
I am concerned that Heartland has now incorrectly reported my account as past due to credit reporting agencies. Heartland needs to IMMEDIATELY correct any incorrect reporting. It also IMMEDIATELY needs to correct my account status and reverse all late charges. Periodic statements must be mailed to me going forward. An explanation letter from them, for my records, is also warranted.
|
| 04/10/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
School : The XXXX XXXX College XXXX XXXXLocation : XXXX, MAIt is very difficult to make extra payments to just the principle of my loan. I wait until the day my monthly payment is deducted so the accrued interest is zero, or at its lowest. However, then there are additional challenges such as fees to make the payment instantly online ( {$1.00} ), a percent fee to make it over the phone ( for a {$1000.00} payment the fee was going to be {$49.00} ), or errors with their online fee scheduling program insisting I select that I am making the payment on behalf of someone else. While the fee for instant payment online was low, it was still present, and I would have had to call the loan servicer at a later date once the payment was processed to direct the payment to go towards the specific loan I intended. It was not until I sounded very angry and frustrated was I then told I could give them the confirmation code immediately to request the payment be applied to the loan of my choosing. It appears that my loan company intentionally creates confusing, extra steps and expenses to borrowers from being able to make additional payments, especially applied to only the principle.
|
| 12/19/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Loan was transferred from XXXX XXXX to XXXX XXXX. Information was due to be provided so that an account online could be created - a " Heartland key '' so that payments could be made. Key was never provided. Updated information was never mailed. I was able to obtain a key from chat support. Payments fees are exorbitant - over 9 % with a debit card. Between $ XXXX {$1.00} to pay by check. I decided to do a full pay-off of the loan. Was unable to complete the payment online - received repeated errors that they could not process my payment and was provided a Customer Service phone number. Called in and was told to use a different browser ( error code does not indicate as such ) - tried XXXX, XXXX XXXX, XXXX, XXXX, and XXXX with cleared cache in each browser. Was told " in certain cities we only allow certain browsers. '' Asked to make a payment over the phone since an online payment was not possible - was told that I would be charged {$10.00}. Asked to speak with a supervisor to waive the {$10.00} fee. Was told none were available and someone would call me back ( meanwhile, the loan accrues interest daily ). Customer service agent was rude and eating during the call.
|
| 07/21/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
|
|
I have a Perkins loan through XXXX XXXX University in the amount of {$2800.00}. I am a XXXX XXXX and by law, I should receive a 20 % cancellation rate of my loan. My loan servicer is XXXX XXXX. I submitted all paperwork as requested, including the cancellation form and the verification of employment. I did everything XXXX XXXX requested and I received an e-mail from them indicating they received the paperwork. I called XXXX telling them I received the e-mail and asking when the cancellation rate would be applied. They told me to give it one day to update in the system. I checked my account and the amount of my loan is still {$2800.00}. I am a XXXX XXXX XXXX and should get a 20 % cancellation rate off my loan. Nothing has been applied.
I've called XXXX XXXX several times again and they are telling me different information. No one is helping me. First they told me it would my loan amount with the 20 % cancellation rate would be updated in one day. Now they are telling me to re-submit my paperwork, which I do not need to as I received an e-mail indicating it was received. They are not applying the 20 % cancellation rate and I need help. Please help me.
|
| 03/25/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
Servicemember |
|
Some of the specific disputes I have are. I have more disputes than what is listed here.
1. The original contract was at 5 % APR, with NO statements that any other rate could be applied. Why was I being charged an APR of 9 % in XXXX and how long was this rate applied? Why was it changed back to 5 % in XXXX?
2. Explanation of fees paid, fees due, interest paid and why there is an inconsistency in the amounts? For example ; fees paid on one statement were {$400.00} and on another it was {$33.00}. If they are PAID, by who and to who?
3. A judgement was taken out. I never received any documentation of this. Only a phone call from XXXX. Where is my copy? My research found that judgements can only collect on what is stated in the judgment.
4. I had made payments before the judgment was taken out. My tax return was also collected to pay the debt. I do not have records that go back that far but an XXXX statement does reference a last payment made on XX/XX/XXXX. Since any many collected is supposed to pay the oldest dollars first, was is this not reflected in the original debt amount? Where are the {$70.00} payments I made for 8 months before the judgment?
|
| 05/17/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
I noticed a purported debt on my XXXX credit bureau reported by the US Dept of Ed. The item the report indicated an opening date of XX/XX/XXXX, XXXX years after I took any college courses. I contacted the phone number in the report, and received a bill from ECSI which alleged that I owed them money from XXXX Perkins loans. The bill sent to me by ECSI ( the first one I ever received from them ) indicated a " last payment '' date of XXXX/XXXX/XXXX. I have n't made any payments on any student loans since XX/XX/XXXX, when I paid off all my student loans to another creditor ( and have never made a payment to ECSI ). I disputed the item with XXXX and in writing to ECSI. ECSI responded with promissory notes that totaled less ( {$1500.00} in the promissory notes vs. {$2500.00} in the bill the sent me ) than the amount of the purported debt and were from XXXX years prior to date ( XX/XX/XXXX ) indicated in the XXXX report. The same XXXX report shows the student loans opened by me when I was in college were paid in full with no missed payments to another creditor. I believe ECSI is erroneously attempting to collect a debt I 've already paid to another servicer.
|
| 02/15/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I own a small XXXX XXXX XXXX that uses this company called XXXX XXXX XXXX XXXX as my credit card processing company. I found out last month that since my account was created back in XX/XX/2014, every single XXXX XXXX charge that I ran never made it to my bank account. The funds remained in a holding account of this company. Now that they have owned to there mistake, they need to pay up. However the company is now telling me that out of the agreed {$53000.00} amount that we both found to be owed, they will only pay half of it because there policy is only to go back 3 months. This is illegal for them to keep those funds. On top of it all, I paid taxes on that income that I never received because I file taxes based off of my management system. My system showed the income however in reality I never received the funds. Please help me this is a monster company to be doing this to a one man shop. They should have insurance in place for these errors. Which I have asked for a copy of the policy and they do not give it to me. Please help me get my money back, this is hard worked for money by myself. Company name is XXXX XXXX XXXX, DBA XXXX XXXX XX/XX/XXXX.
|
| 06/03/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
The 3rd party billing provider on my student loan offers one method of payment to avoid fees/ penalties/ convenience charges- and that is a direct checking account debit. Over the last 2.5years I have tried several times to set-up direct payments but each time there is an " error '' with my information and the payment declines. This has led to negative information reported on my credit record, XXXX dollars in added fees and interest charges, and hours of frustrating phone conversations. I have recently discovered that the problem is the company 's online payment system. The system has only been using XXXX digit entries for routing number and account number. Unfortunately, my checking account number is eleven digits long. The system has only been using the first XXXX digits of my XXXX digit account number that is entered- which in turn has caused the error- resulting in the above mentioned grievances. The company has made no attempt to rectify the situation. I can only wonder how many others have been unfairly charged fees, penalties, added interest, and have had negative credit information reported, all because of a system issue on their end.
|
| 05/09/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX is reporting a student loan on my credit report as late 120+ days. I have never had a student loan with XXXX XXXX, as all of my student loans are serviced by XXXX. I contacted XXXX XXXX Only to be told that the debt was leftover tuition but was not given any documents or explanation as to why 6 years after attending XXXX XXXX that this is the first time I am being notified of this debt. They have not sent me any documents showing how I am responsible for this debt, only a bill through a debt collector. I decided to dispute this with XXXX, which was a joke as well. Dispute came back as verified although once again I was given no documents to prove verification. If I am truly responsible for this debt I will gladly repay but not without proper documentation and an adjustment to the harmful items on my credit report which are being falsely represented. If I do indeed owe this debt it is CERTAINLY not a student loan, installment loan, and is certainly not late on payments as I have never been notified of any payments due. XXXX XXXX is intentionally using these tactics viciously and with no proper documentation to support their claims.
|
| 06/12/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I recently tried to change my loan payment frequency from quarterly to monthly, in hopes of paying it off a bit faster. The servicer charges fees for almost all types of payments, except " reoccuring payments '' drawn directly from you account or checks. When I attempted to set up a reoccuring payment in order to avoid these fees, it says " your fixed monthly payment amount '' when my loan is in fact on a quarterly schedule. I do not have the money to pay the quarterly amount every month but would like to pay a bit more each month to help reduce the debt. The servicer will not change the payment frequency from quarterly to monthly and says its a policy of the university. I asked to see the policy and their response was " believe me ''. I asked them why the wording on the account says monthly if they will not change my loan to monthly and their response was " the wording is wrong but we can't change that ''. This is making me feel as though they would like to make more money off of the fees that they charge instead of allowing me to make a reoccuring monthly payment. I would like any help with this that the Department of Ed can provide.
|
| 10/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I applied at the university of XXXX and decided that with schedule and time constraints I would n't be able to finish the semester. I had a balance on my account. They reported it as a loan. I have never had a loan nor have I ever signed loan documentation with this establishment. They went as far as to fictitiously set up a payment amount that I have been missing and place that I 'm my credit report. Is this legal? I called and spoke with XXXX XXXX and she said that this is just their billing practice and she would not remove it from my credit report. I said but this is a lie, I do not have a loan with you ''. She then spoke with her supervisor XXXX XXXX and she said the same thing. Even though you do n't have a loan with us we report it like this to the credit bureau 's and the payment amount is 10 % of what you owe us, even though you did n't agree to this this is our practice. I was then referred to their billing company Heartland, I paid the balance in full. I just want the inaccurate information removed from my credit report and hopefully their billing practice changed. This should be illegal for them to report in such a manner.
|
| 09/22/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
My loan was transferred from University of XXXX to Heartland ECSI last month. I had my account set up on autopay and noticed it did n't get withdrawn. I received a letter from Heartland ECSI informing me that they had taken over the servicing on my loan. The next day I received a statement from Heartland informing me that my account was past due. I went on to their website which was very difficult for me to navigate and scheduled a payment. They took the payment and then returned it stating it was NSF. I contacted my bank who informed that there was no issue with the bank account.
Heartland then assesed me a {$25.00} late fee on my account. Worried about my perfect payment history I logged back in and scheduled a one time payment today, XX/XX/2016, including the late fee. When I went to submit my payment they also charged me a {$5.00} " convenience fee. '' I feel that they messed up in the time they took to notify me of the transfer of my account and it is having a derogatory impact on my financial well being. Ive always made my student loan payments on time and due to the Heartlands incompetent system I am now being penalized.
|
| 05/25/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
Student loan processor ( Heartland/ECSI ) charging RIDICULOUS fees. As much, or greater than XXXX % fee PER PAYMENT on debit cards. Most banks will either not charge processing fees for debit transactions, or charge a VERY VERY small one ( as per Dodd-Frank legislation that passed a while back ) so this is an additional XXXX % ( or more - see attached evidence ) interest burden tacked onto an already burdened population of student loan repayers. For some, who choose not to give these crooks direct access to their bank account, there is no alternative aside from a debit card in order to pay. This additional & gt ; 6 % is just an atrocious fee. Especially when 6 months ago it was not in existence. There was no notice provided by the company, and aside from providing direct access to my bank account, there is no alternative to pay without a fee on debit just like ALL of my other loan processor. Granted, there are only XXXX others that I deal with, however, their practices are MUCH more palatable to the consumer- it is quite apparent that they are providing a service, as opposed to sticking it to their customers for financial gain.
|
| 08/09/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
they sent me mail about repaying my student loan. I signed up and amount due on my account was not matching with what it claims in my federal student loan account ( lower ). They claimed the school newly assigned as new loan service. I got suspicious because I did not have any loan with that amount and the one i have has no interest but they had 5 % interest. when I contacted my Federal student loan, they said that my loan service is not them. I did not pay them or any bank information but I gave them the following information. - they already knew about my name, address - I create an account with name, email, DOB, address, info about few reference and last 4 of my social ( i don't remember if i provided the full )- I filled out the exit interview forms with above information their website : heartland.ecsi.net address : XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX, XXXX XXXX , PA, XXXX phone number : XXXX organization : they have two step verification, very good representative, " supervisor '', they even transferred me to my school billing department since I was convinced from their explanation attached the bill they send out
|
| 10/04/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
|
|
On XXXX XXXX I recieved a letter from Heartland ECSI threating to send me to collections for not setting a payment plan with them. When I called them the lady on the phone was extremely rude and told me that I could only pay {$720.00} a month was my lowest payment option. She also said that conneting to my back account that would make it easier to automatically take my payment.As a student who works a minimum wage job at a restraunt and has two unemployed parents who can not aide me with any of my school payments simply because they can not afford it is impossible to help me whith what I owe monthly. As of today, XX/XX/XXXX I call Heartland ECSI again with the same lady whom I talked when I first called and complained about my situation. She said there was nothing she could do and that I would have to contact the school. I told her that I wanted to talk to someone who would help me better in her facilty only for her to give me that phone number of my school which did not answer my call. I am servely upset that they took advanage of my situation and held it against me if I did not do what Heartland ECSI wanted me to do.
|
| 08/09/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
Dear CFPB, I am writing with regards to a " Late fee '' of {$6.00} that I am being charged for the repayment of a Student Loan during XXXX
This is in regards to a University Loan provided by the XXXX XXXX XXXX XXXX during my XXXX studies.
I was enrolled as a XXXX XXXX student at the XXXX XXXX XXXX XXXX XXXX XXXX through XX/XX/XXXX. In XX/XX/XXXX, President Trump issued an administrative forbearance on all student loans that has been in effect until XX/XX/XXXX.
Heartland ECSI, my student loan provider, has billed me for a {$6.00} late fee re-payment on this loan. When I spoke to them on the phone on XXXX XXXX XXXX they indicated that I was supposed to have made a payment in XX/XX/XXXX, and that I am now considered past-due. Of note, the billing history shows that a {$90.00} payment was requested in XXXX XXXX XXXX XXXX, during the pandemic ; but that {$0.00} payments are requested thereafter.
Could you please work with the loan provider to address : 1 ) the late-fee ; 2 ) the status as past-due? I am not sure of what implications 'past due ' may have had on my credit score, credit history.
Thank you, XXXX XXXX
|
| 04/19/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
About a month or so ago I received a letter in the mail from Campus Partners informing me that my first post-deferment loan payment had been received late. Unfortunately, as a result of my move on XXXX XXXX, 2015, I did not receive their " attempts '' at getting in touch with me via the US postal mail. It was only after the change of address forms I submitted were processed that I received their late payment notice in the mail. I immediately called Campus Partners and they had the nerve to say it was my fault. Apparently I had only given 2 days to establish an online automatic payment, which was n't enough time for the bank to pay them on time. However, there is NOTHING on their website saying to give at least X number of days to set up an automatic payment or I would have called to make a one-time payment AND set up the auto payment for the following months. Consequently, I had thought that I had made the payment on time in a responsible fashion when in reality they received it a day or so later than the due date. I was hit with late fees and Campus Partners also notified the Credit Bureau of this " transgression ''.
|
| 07/06/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I have been automatically paying a campus-based loan through the company of XXXX. Today ( XX/XX/XXXX at XXXX ) I received an email from the company ( since I am enrolled in paperless mail ), stating that as of XX/XX/XXXX they will no longer be servicing my loan and that I should have received information from my lending school or new servicer with information about my debt. I have not received anything via mail and or email.
When I tried to log-in to XXXX, they won't let me log-in anymore, the site says " service can not be reached at this time '' and when I call them they require me to enter my social security number and date of birth, after I do, a machine responds with " we can not access your account. '' I have paid the loan with autopay since XX/XX/XXXX, and every month {$490.00} is taken out of my personal financial account ( the last payment taken out was on XX/XX/XXXX ). I do not want to have any late fees- which is why I am eager to find out where my debt has been transferred to and who is managing it.
I have also contacted my school ( XXXX XXXX 's University- NY ) and have yet to hear back from them.
|
| 09/06/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
To whom it may concern, I have a student loan from XXXX, at the moment I live in XXXX, XXXX and the financial loan has been directed to be paid through XXXX XXXX, a collection agency to process international payments.
They have created a new website and the last month I tried to pay but the website was not loading correctly. This month I have a late payment fee plus the new payment for this month and the XXXX payment option is not working. I asked them when they will fix it but they say that they dont know. They give you the option to pay through your bank account but my bank account is in XXXX and does not have a routing number and I need to pay via XXXX. There is another option for international payments which is more costly but it does not work in their website.
I am afraid that I will get a new late fee. I am trying to pay and the system is not allowing me to do so. This was a federal student loan and I do not understand why they hire this service that does not work properly.
I want that XXXX XXXX fixes the XXXX option so that we can make payments with the XXXX card.
Thank you very much,
|
| 01/23/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have received a letter from the Dept of Education requesting payment for a loan that I was not responsible for at the University XXXX XXXX on XX/XX/XXXX when I was XXXX years old and enrolled. My father was the guarantor of the loan and it was paid off after they garnished his wages for years.
The University XXXX XXXX has sent me to collection and reported this to the credit bureau which affects my credit and future chances of getting student loans for children who are college age or approaching college age.
The date I received the letter was XX/XX/XXXX - the principal balance was {$750.00} and they are now asking for {$14000.00}. I called them today XX/XX/XXXX and they told me they received the loan from ECSI. I called ECSI and they told me they got the loan from the University XXXX XXXX in XXXX of XXXX and to call them. I called them and they told me they passed the loan to ECSI. So have no answers from anyone only a {$14.00}, XXXX debt that is not mine because I was too young to have been responsible for the loan and my dad paid off what we owed for the loan he took for me back in XXXX.
|
| 08/01/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
I currently pay a Perkins loan throught the University XXXX. That loan is serviced through ecsi.net. Not only does this servicer assert that a perkins loan is not elligible for income based repayment plans ( with no explination ), it also can be paid with a credit card, which seems counterintuitive. Further, on a loan that does not show any compounded or accrued interest, I pay XXXX % of each payment to interest, on a 5 % interest loan with no explainitory documentation. For example, on {$160.00} of payments, I have reduced the total balance {$110.00}, with no documentation provided about where the other {$50.00} went, other than " interest, '' even though none of my bills list the interest amount accrued, or that interest is outstanding. For each {$40.00} payment, {$12.00} goes to " interest, '' despite no interest balance being listed anywhere on my total balance or monthly balance. Finally, there appears to be no way to pay online ( direct from banking account or otherwise ) without paying a service fee. I think the business practices of ECSI are questionable and need to be looked into.
|
| 12/01/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
XXXX XXXX XXXX ( later named XXXX XXXX XXXX ) transferred my loan to a different servicer, Heartland XXXX. I was not notified of the transition in any way before it happened. How I found out was by receiving a notice in the mail that payment was overdue on my account! On the day after I received that notice ( on XXXX XXXX, XXXX XXXX, I received an email from XXXX XXXX XXXX saying that " as of XXXX/XXXX/XXXX XXXX XXXX XXXX is no longer servicing your Campus-Based Student account ( s ) ''. The date referenced, XXXX/XXXX/XXXX is wrong, because Heartland XXXX began requiring payments from me before XXXX/XXXX/XXXX, but I had no way of knowing that.
Moreover, XXXX twice charged me a {$1.00} payment fee for one time payments. They do n't charge any fee for automatic payment, but first auto payment by enrolling would have been after the due date for the bill. So I had to pay the payment fee for one time payments. I should n't have to pay that fee since I was already enrolled in automatic payment with the previous servicer. Why should I be forced to pay new fees because my servicer changed?
|
| 07/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The entity XXXX is reporting a XXXX score for me that reflects adverse action for XXXX student loans for XXXX XXXX XXXX These loans were paid off, XXXX in XXXX, and the other in XXXX. I contacted ECSI the company that serviced the loans. On the first contact call a representative pulled up my account right away. She advised that they had not reported anything on these loans in a few years. XXXX uses XXXX and XXXX. I contacted XXXX after launching an investigation that closed out without there being any changes from them as far as removing the derogatory comment effecting my credit score. XXXX shows the accounts as closed and in good standing. XXXX XX/XX/XXXX, I contacted ECSI again with the intent to request that they have XXXX and any of the other Credit Reporting Bureaus delete those student loan accounts from my reports. This time I was given a major XXXX runaround, and put on exorbitant hold times while being told that no loan accounts could be found for myself, or my school, XXXX XXXX XXXX This was just the week following that of which my account was found without any problems.
|
| 12/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I received a letter from ECSI XXXX XXXX XXXX, XXXX XXXX, PA XXXX stating that I woed a XXXX XXXX XXXX.
I have no mempry of suchha loan, so I called to dispuste. They advised that this loan was taken out in XXXX and defaulted in XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my memory is that my student loans have been paid.
I checked my credit this morning and they are reporting the this loan. My understanding is that Federal student loans which have been reported to be in default for seven years or more must be deleted from a consumer 's credit record. Under the Department of Education 's Fresh Start Program specifically, the Department deleted reporting about loans that were delinquent for more than seven years.
If by ECSI records the last axctivity was in XXXX then this is 30 years old and should not be reprted on my credit. I called ECSI today and they advised that they will not stop reporting and will do nothing about it.
Please help me get it removed from my creidt. I have filed a disput with experion. Pleas let me know whatever further information you need.
|
| 10/23/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
To whom it may concern, I just received a letter from the loan company and called their customer service on XX/XX/XXXX. I was told my student loan account has been converted to Heartland ECSI in XX/XX/XXXX, and my account has past due amount of {$1100.00}.
The real story is I have been paying my student loan on time for 10 years. I have set up automatic payment and I was a bit curious why it stopped payment since this XXXX. My instinct was it has been fully paid and did n't go check my account balance ( in fact I have lost password long time ago ). I did n't know they convert to another company and I need to reset account payment method.
To Heartland ECSI, I complained that I was not informed at all and had not idea they converted my account. And I have absolutely no intention to stop my student loan payment. The representative asked me to file dispute with credit bureau as they have reported my past due payment.
I request they withdraw their filing against my credit score, because this is technical issue between my previous and current loan institutions.
Regards
|
| 04/12/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
Servicemember |
|
I am entitled to a reimbursement of {$640.00} that was paid to XXXX Univeristy by my employer, the XXXX XXXX XXXX. XXXX received the credit voucher in XX/XX/2019. The bursar 's office noted the credit to my account on XXXX XX/XX/2019, then applied it to my account on XXXX XX/XX/2019, and released it for refund to Heartland XXXX Integration on XXXX XX/XX/2019. I contacted Heartland XXXX Integration today, XXXX XX/XX/2019, asking when they would release the money, and was told two different dates, the first date was they will process it on XX/XX/2019 then approve it on XX/XX/2019, and the second person said they might process it on XX/XX/2019, and maybe approve on it XX/XX/2019. This is ridiculous, I requested they release the fund today, and they stated NO. I need this money, and it should be illegal for any company to hold money that is legally not theirs for any length of time as an attempt earn interest on money that does not belong to them. I am requesting you investigate this company for holding money as an effort to generate interest at the expense of others.
|
| 09/20/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I graduated from XXXX XXXX XXXX in XXXX. I immediately received info about federal loans from XXXX XXXX. It was about XXXX and I paid those off while I was in graduate school which was from XXXX. This past month I found out I had outstanding student debt from XXXX when it suddenly appeared on my credit report ( and dropped my credit score ) and my husband ( who has no connection to my student loans ) was contacted by a debt collector. From the debt collector, I found out my XXXX XXXX ( about {$1700.00} ) were serviced by a company called ECSI. My major problem is they never contacted me. I had never heard from them about my loans so I didnt even know these loans existed until now. They are adding on a debt collector fee and my credit score dropped significantly. If I had known these loans existed, I would have paid them off years ago. I can not get any help from ECSI, they basically just said its my responsibility. I understand that, but they have a responsibility to make sure I know that Im even in debt! These were never shown on my credit report until now.
|
| 10/15/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
In XXXX of XXXX, I received a statement from Heartland ECSI requesting {$12000.00} on Perkins loan with the due date on XX/XX/XXXX. I called them and placed the loan into forbearance as I did with all my other federal loans. This statement included one account with XXXX XXXX. At the same time on XX/XX/XXXX, XXXX XXXX requested Tax offset for debts owed to XXXX XXXX to Franchise Tax Board for {$1000.00}, and in XXXX, I did not get any state tax refunds.
Now, XXXX XXXX is withholding my transcripts and placed me into default, although, I was supposed to be in forbearance. XXXX XXXX together with Heartland placed me into collection while I was supposed to be in forbearance. When I called to Heartland, they didn't have my account at all. This is a retaliatory action. I found this all out because I applied to XXXX XXXX XXXX XXXX to study XXXX XXXX, and now I can't further my studies due to default issues on my record with XXXX XXXX. They are withholding my graduation, my transcripts and asking for monies that should've been in forbearance. This is wrong.
|
| 05/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I consolidated my student loans in the Fall of 2017. I had been in default on my student loans for over 14 years, and none of them reflected on my credit report. After consolidation all but one of the Department of Education servicers correctly reported my status to the CRA 's. For unknown reasons Heartland Educational Computer Systems Inc. ( ECSI ) incorrectly listed the loans as delinquent for 3 years ( XXXX ). I disputed the information with all three credit agencies and Heartland ECSI did not retract the ineligible information. I've contacted Heartland ECSI repeatedly and they acknowledge the data is incorrect and advised that a " Supervisor '' will contact me at a later date. No one from Heartland ECSI has ever attempted to contact me. At this point the negative reporting is preventing my credit rating from rising to the Prime rate. I'm currently a XXXX in the XXXX XXXX here at my University. This may inhibit prospective employers from hiring me. I would rather not file a complaint, but I don't see any other alternative to correct the problem.
|
| 11/27/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I submitted a payment on XX/XX/XXXX for my regular bill of {$98.00}. This is prior to becoming a 15 day late notice. I was not notified that my account or payment was sent back whatsoever by mail.
Submitted a payment on XX/XX/XXXX to pay full amount of XXXX for the previous month and the current month, as I did not know, again, I was in arrears due to the non-notification by Heartland ECSI.
Did not received 15 day late notice via mail as per FCRA states I should have. I am not enrolled for electronic billing. I have specifically requested mailed, paper billing for my records.
Again made payment on XX/XX/XXXX for additional month. Was informed payment was processed and received.
Was reported to Credit Bureau for a 30 day late payment, when no such late payment occured, nor was I ever informed, via written letter in the mail, of being delinquent whatsoever.
Have several emails confirming my electronic payments were received! This is crazy!
FCRA was violated by not sending 15 day, nor 30 day late notices via certified mail to my address.
|
| 09/01/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I have a school loan with a company out of Kansas that was called Educational Computer Systems Inc. or ECSI, now they are known as Heartland ECSI. My current balance is XXXX. The last statement I received from them is a bill stating that I am 30 days past due. Which came as a surprise to me, because I am supposed to be " in-school '' status. I am currently attending The XXXX XXXX XXXX XXXX online. I did have to drop from full time status for one semester because of the class schedule they have worked out for me. I have tried to get in contact with ECSI once I realized this and for the past week on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, to no avail. I have tried by phone, by chat and by their site. Apparently their site is down. I can understand the site being down, but what about the phones? Ive put my number on their list to call back three times, ... nothing. I was on hold for over an hour on the XX/XX/XXXX too. I ca n't help but think that they are n't doing every thing that they can to keep in contact with their borrowers.
|
| 05/03/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Need information about my balance/terms
|
|
Web |
|
|
Campus Partners, my loan servicer, has been consistently tardy in their repayment notices. Last XXXX I received a demand letter for {$450.00}. The payment was due on XXXX XXXX, but I did not receive notice XXXX XXXX. The demand letter had been composed at the beginning of the month, but was postmarked XXXX XXXX, rendering it unlikely to arrive before its due date - a fact of which Campus Partners should have been aware.
In addition, Campus Partners have made themselves deliberately difficult to reach ( no email address, no way to contact them online, a nonresponsive call center that offers no path to speak with management and routinely hangs up ), and have obscured or otherwise failed to provide relevant information about loan information ( such as the ability to consolidate loans, or the actual deadlines for payments ).
Rather than dealing with them, I have resorted to working directly with my college finance office. The finance office has been helpful, but they should n't be placed in the position of having to do their servicers ' job.
|
| 03/07/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
On XXXX XXXX, 2016, I placed my payment in full for my Perkins loan through ECSI. My grace period was ending on XXXX XXXX, 2016 and so I set it to pay on XXXX XXXX, 2016 ( interest would begin accruing on XXXX XXXX, 2016 ). I received a DirectPay confirmation on XXXX XXXX when I had placed my payment for the loan. On XXXX XXXX, 2016, my payment never went through. On XXXX XXXX, I contacted ECSI as I wanted a resolution as to why they had n't processed my payment yet. I never received a response ( but had been told through the system that I would hear back soon ). Interest accrued on XXXX XXXX. On XXXX XXXX, I tried contacting them again. Again, no response. Again on XXXX XXXX. Again, no response. I finally got a hold of someone on XXXX XXXX and they told me that nothing could be done. They told me it was my fault for not contacting them ( which I had ) and that I had n't processed the payment ( I had ). They told me they had deleted my payment ( for no reason? ) and that I had to pay the interest as well as interest that was set to accrue.
|
| 03/10/2022 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I make payments quarterly through Heartland ECSI and made a payment a few days late but then received a bill the next month for the entire quarterly amount plus an extra fee. I called for clarification on the amount due and was told to just pay a portion of the bill and that it was not accurate. I repeatedly requested that they provide an accurate bill in writing so I could make a payment for whatever was due. They refused saying that they did not have that capability.
I requested that they email me the correct amount so I could have something in writing ( fearing that if I didnt pay the amount shown on the bill I would be penalized ) and they refused again, saying that they did not have the capability.
In summary, I received a bill requesting an amount that was incorrect and yet ECSI were unable or unwilling to provide an accurate bill or anything in writing certifying the correct amount. I cant imagine how many students have mistakenly had to double pay in this same scenario thinking that the bill they received was correct.
|
| 04/13/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
My loans were recently transferred to XXXX XXXX without my prior consent by my prior lender ( XXXX ). The transfer canceled scheduled auto-payments I arranged with my prior lender. Now, with XXXX XXXX, I have tried repeatedly to schedule recurring auto-pay through their website. Despite following all steps to schedule recurring payments and seeing a screen tell me I successfully arranged auto-pay, my account continues to state " no scheduled payment '' several weeks later. This setup seems designed to make people miss payments on their loans.
Moreover, the Heartland website 's online chat function does not work and their customer service is terrible. I have been on hold on the phone for > 30 minutes trying to get reach a XXXX XXXX customer service representative to fix the issue and have yet to reach someone. This company warrants auditing by the CFPB. The poor business practices seem intended to induce default / missed payments and collect fees. I have never missed a payment and never had these problems with another lender.
|
| 09/05/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
My Perkins loan is managed by XXXX XXXX. On XX/XX/XXXX attempted to get documentation of my partial loan cancellation, which was allegedly approved in XX/XX/XXXX. While my current balance on the website matches with the partial cancellation, my most recent statement is from XX/XX/XXXX and reflects the old balance. Customer service stated that they do not provide any documentation, including loan verification. Customer service also stated that I would not receive any loan statements while my loan is deferred. Therefore, zero documentation exists to support my current loan balance. Providing loan verification is a basic loan function ; for example, XXXX readily supplies automated loan verification documents. No such function for XXXX XXXX exists, and their customer service refuses to supply any documentation. Loan verification is required for various processes, including taxes and mortgage approval. Because XXXX XXXX will not provide verification of my loan, I am unable to apply for a state tax credit related to student loans.
|
| 04/09/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Heartland ECSI keeps rejecting my documents to receive loan cancellation and deferment for being a Special Education teacher in a title 1 district. I have held this full time position since XX/XX/XXXX.
On XX/XX/XXXX I submitted the forms with a letter from my principal to have my loan cancelled and deferred and it was rejected. I called Heartland ECSI to ask why and they said to have my principal add the dates that I have been employed. On XX/XX/XXXX I submitted the forms again with my principals letter and they were rejected. I called again and they said to have add a paragraph about what my job is. On XX/XX/XXXX I submitted to have my loan put on forebearance until I can get another letter from my principal. My school has been virtual since XX/XX/XXXX and its been extremely hard to get paperwork from my principal. I dont understand why I needed to have a letter from my principal in the first place, she filled out the entire form for me stating that I am a teacher at her school. Why were my original documents rejected?
|
| 09/17/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
ECSI is reporting on loans that were on forbearance inaccurately. Customer service say that I wasn't required to make payments while on covid forbearance yet report it as late for a period of 10 months. When contacted the chat agent directed me to call the school instead??? School directed me to call servicer as they don't deal with reporting?! Essentially both the school and the servicer don't know what is going on, so I guess it's up to the borrower to figure it out somehow? Also, I am signed up for paper mail but was not notified by mail that my eligibility was ending and they needed paperwork by some XXXX date. Apparently, it was only sent by email which is not my primary form of communication. I believe this is intentional and by design. One would expect any time sensitive material to be communicated by the means the borrower is signed up for. Customer service claimed they only send out notices when bills are due and some specific types of communication and could not really explain why I was not contacted by mail.
|
| 05/03/2017 |
No |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
Today, XXXX XXXX 2017 , I made another payment to heartland.ecsi.net which processes/handles loans on the behalf of the University XXXX XXXX ( the lender ). What had n't noticed earlier, was their increasing " service fee '' based on how much you choose to pay back. My preference is for one-time payments, so I can adjust how much I pay back based on my financial ability. I always give more than the minimum to pay off the loan faster. I purposefully do not set up reoccurring payments for this reason. On top of my 5 % interest on my loan, XXXX charges me a whopping 3.95 % on one-time payments I make plus and additional {$1.00} combines to make the " service fee. '' For example, my {$150.00} payment turned into a {$150.00}. XXXX dollar is for who knows what, plus an additional {$5.00} which makes up 3.95 % of {$150.00}. This is ridiculous. XXXX is already making 5 % revenue on my loan. I 'm left with no choice, but to do reoccurring payments, or pay 8.95 % interest on the loan ( 5 + 3.95 % ).
|
| 03/17/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX I sent a certified request to XXXX disputing the inaccurate reporting on my report from ECSI. XXXX updated my report and removed the inaccurate information in XX/XX/XXXX. However, I have noticed AGAIN, XXXX has allowed for the false reporting.
I am requesting the removal of the derogatory reporting from US Department of Education ECSI, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX.
According to the correspondence from ECSI, ECSI began servicing a XXXX XXXX on XX/XX/XXXX which is and has always been in good standing. However, according to the credit bureau XXXX, ECSI continues to falsely report servicing my loan effective XXXX, with negative reporting in XXXX, XXXX and XXXX.
I have enclosed a copy the letter from ECSI, to me regarding said loan, and unless you can provide valid proof to support otherwise, I request that you immediately cease and desist inaccurate reporting practices and delete the false information outlined in this document form my credit report immediately.
|
| 05/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
This complaint is in reference to a time-barred student loan reportedly opened on XX/XX/XXXX, which went into default in XXXX. This account is reported multiple times on all three credit reports as separate names. See below for multiple names. Also indicated, is which credit report the account is on. I have also attached my credit reports for reference. XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX Campus Partners, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Through many dispute attempts, I was unsuccessful in removing the duplicate accounts.
XXXX is the only updated bureau. There has never been a payment or payment agreement on this loan, nor any additional documented activity. Therefore, this loan is past the statute of limitations, and due to the age, ten years, should also have been removed from my credit reports. If there is documented proof that the statute of limitation was reset, I am formally requesting the proof. If I do no receive this information, I will consult legal representation.
|
| 03/09/2016 |
No |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Need information about my balance/terms
|
|
Web |
|
|
When my quarterly loan payment becomes due, I am unable to submit payment on the lender 's website. For approximately 2 weeks leading up to the due date, when I log in I get an error message saying my loan information is not available. However, if I log in after the due date there are no issues. I looked at an alert which shows when the website does routing maintenance, so loan information can not be accessed during this time. However, no matter what time I log on, what day, on different web browsers, and from any of a variety of computers, I am still unable to access my loan information during the time I should be able to based on the website 's notification. This has occurred with the past 5 quarterly payments I have attempted to make, and each time I wind up having to submit a payment using what the amount was from previous statements I had received.
I attached screen-shots of the message I receive when I first log in, and if I try to access any other features ( pay my loan, view account info, etc. )
|
| 10/22/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
XXXX XXXX recently became the servicer for my perkins loan from XXXX University. I am eligible for cancellation of my perkins loan due to my employment as a XXXX. Through my prior servicer I had several years of service and portions of my perkins loan were properly cancelled. I submitted a new request to Heartland and received no response. I followed up with Heartland and they indicated they had denied the request because the employer stamp or seal did not include the employer 's address, although the employer routinely uses this seal and the employer 's address is listed above on the form. No requirement that the stamp or seal include an employer address is listed anywhere on the cancellation form. Further, despite XXXX 's assertion, I received no notification of any problem with the request, by email or by mail. I would be interested to know how many cancellation requests are improperly denied simply because the corporate seal does not include an address - something most corporate seals do not include.
|
| 06/01/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
On XX/XX/2023, I contacted Heartland ECSI, my loan servicing company for XXXX XXXX, because I had not received the billing statements sent. I received my first billing statement, took action, and called to inform an agent that I was not being billed and also let them know my address was incorrect on my bill. I was transferred to a supervisor who created a ticket and told me they could not service my loan even though they were the servicing agent for my loans ; this was due to restrictions placed by my school.
I then logged into Heartland 's website and paid {$240.00}, the current amount due, less a late fee. The next day XX/XX/2023, I was called by a representative of XXXX XXXX who told me the late fee would be reversed, and my loans would be marked current since I was not billed. Today XX/XX/2023, I logged in to ensure no payment was due since this is the billing cycle, and I am being rebilled the {$270.00}, and the loans are delinquent. This is not the information I was told and should be corrected.
|
| 02/09/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Heartland ESCI sent my XXXX loan from the University of Washington to a debt collection agency on XX/XX/XXXX while the CARES Act forbearance was in effect. I received noticed XXXX that my account was in bad standing despite receiving two e-mails on XX/XX/XXXX stating that due to Covid-19 relief my account was placed in automatic forbearance until XX/XX/XXXX and no payment was due. I received no additional communication regarding my account, including payments necessary, until the acceleration e-mail on XX/XX/XXXX. All attempts to contact Heartland ESCI have immediately routed me to the collection agency XXXXXXXX XXXX XXXX. This seems illegal and incredibly predatory as it is now negatively affecting my credit as I try to deal with an account that should not have been sent to collections, if not because of the CARES Act then their own written communication to me. My account, according to them, would not have been in bad standing until I missed a payment on XX/XX/XXXX but it was accelerated on XX/XX/XXXX.
|
| 11/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
I, XXXX XXXX, represent several Hotels ( under separate LLCs ) and have used Heartland Payment systems as our Merchant Processor for years for most of our properties. Due to Pandemic, one of our Hotels XXXX XXXX XXXX XXXX in XXXX Nebraska had to close. As a result, there were several chargebacks that Heartland had to process. Our financial institution placed a Hold on our accounts resulting in credits due to Heartland Payment Systems. Heartland has since frozen all of our Deposits ( in excess of {$35000.00} ) for all of other Hotels and is demanding payments in excess of what is currently owed to them. All of the Other hotels are under separate LLCs and have different investor bases. While, we are not denying the monies owed by XXXX XXXX to Heartland- they should have no right to withhold our funds without our permission well in excess of {$35000.00}. Being a Publicly traded company, We don't know how this is deemed as being legal. I am requesting you to contact me at XXXX to resolve this matter, ASAP.
|
| 09/05/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
The company overseeing my Stafford loan made minimal efforts to contact me ( only sent letters to the address of the college I graduated from ) before sending my loan to collection. My phone number, which has been the same for six years, was easily available to them. The first notice that reached me regarding the delinquency of this loan was through my preferred credit score checking program. There was no identifying information for the company, and it took significant effort to find out who they were. Once I was in touch with them, I immediately paid off the loan in full plus a significant fee they included.
I had every intention of paying this loan - I have been consistently *overpaying* all of my other student loans since I graduated, and would have done the same for the Stafford loan had anyone reached me. My college was transitioning financial aid directors and I wasn't issued an exit interview for my loans until a full year after I graduated, by which point this scenario had already transpired.
|
| 01/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This university has been reporting that I owe them {$160.00} since XXXX of 2014. I never received written notification about this debt, I have only been contacted by phone. I have tried to dispute this item several times and ECSI/ XXXX University has only sent me a bill statement. They have failed to validate this information and provide me with copies of any documentation associated with this account bearing my signature. They have also failed to provide the name, address and the telephone number of each person contacted regarding this alleged account during their investigation. I have repeatedly asked for evidence to support their reportings on my credit but they have failed to provide me with any copy of any viable evidence supporting their claim. After being sent a statement and them updating my credit report as verified and meets FCRA requirements, I requested their method of verification and they have yet to comply which is an additional violation of the fair credit reporting act 611 ( a ) ( 7 )
|
| 01/07/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I submitted a request for a deferment to begin XX/XX/XXXX, along with supporting documentation. My request has been rejected several times although I have sent in sufficient documentation. The first document that I sent in was dated XXXX XXXX, however it showed that my benefits received from XXXX agency were ongoing..I also included my dependents insurance card showing new coverage would go in effect starting XX/XX/XXXX ( which is within time period of my deferment request ). Rhose documents were denied, and tep stated letter needed to be dated within 30 days. I explained to rep that XXXX XXXX agency could only provide me with most recent letter that went out regarding my benefits ( that letter was dated XX/XX/XXXX, and once again showed that benefits would be renewed effective XX/XX/XXXX ). My second letter of documentation has also rejected..although it clearly shows that I am currently receiving benefits through a government agency, and benefits went into effect during time of deferment request.
|
| 01/16/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Initial federal perkin loan was with XXXX XXXX university for {$2100.00}. repayment start on XX/XX/XXXX and is paid periodically to a remaining balance {$1000.00}. Letter was received in end of XX/XX/XXXX for collection. However, I am unable to make payment to XXXX due to XXXX University changes its service provider. I had contact the new provider XXXX XXXX in middle of XXXX but they do not have my account and there is no way to repay my loan.
In XXXX, I received notification from fafsa saying one of my loan is defaulted, upon check NSLDS, my perkin loan is defaulted in XXXX. I had contact XXXX XXXX on XX/XX/XXXX and they do have all my contact info ( including phone/address/email ) but they can not do anything regard to the account because the account had pass over to XXXX XXXX XXXX.
XXXX XXXX and XXXX University had made no attempt to contact me regard to my loan servicer, loan status or payment options. Now that the account had pass to XXXX XXXX XXXX, I am subject to default charge and fees.
|
| 04/19/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
On XXXX XXXX I received a letter in the mail from ECSI informing me that my account was 15 days past due and that they would report delinquency if the payment was not received in the next 15 days. Until I received this mailed notification I had no previous notice that my deferment period was over. ECSI took a financial predatory approach by notifying me only AFTER the payment was due that I owed them money, which allowed them to collect a late fee. I received no information from ECSI beforehand so that I could budget for this monthly cost and set up an automatic payment. It is also disconcerting that they are using snail mail, an outdated approach in 2016, as their main form of communication.
This negative experience strongly contrasts with the one I 've had with my federal student loan servicer, XXXX XXXX. They notified me 6 months prior to my first payment, which allowed me to set up an account on their website, a direct monthly payment, and establish an appropriate personal budget.
|
| 05/18/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
I have a Federal Perkins Loan. Each year, I submit a cancellation application to XXXX University because I am a teacher in a low-income district. I have been doing this for six years. In XX/XX/XXXX, I was notified that a payment was due to ECSI Heartland and that my loan was now being serviced by them. I contacted them by phone, email, and mail and never received a response. I was given a ticket number by them, and they admitted to me that they did not respond to my claim that my loan is in cancellation. Last month, I was notified by my credit monitoring company that a missed payment was reported by ECSI Heartland. I immediately got in touch with a supervisor and she told me she would handle the negative credit reporting. It has now been three weeks, and nothing has been resolved. My account is still delinquent, the negative credit reporting is still on my account, and no one has been able to answer any of my questions regarding cancellation, including the supervisor XXXX XXXX.
|
| 04/06/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
Good morning, I get into the XXXX XXXX class program enrollment at XXXX XXXX through my SSN.
the XXXX XXXX XXXX 0 % APR program, XXXX XXXX XXXX I don't know exactly amount what I get the student loan, and the next day I get approved, I do the ACH payment each month XXXX.
on this year, I think the I am under the {$3300.00} what they advertised on their website, but this year XXXX I have payed over {$3300.00}, so I call them, they said I have over {$4000.00}, and I need pay extra {$1300.00} around. they don't applied my student discount, and give me the full maximum payment, and I don't know why they do that.
Those couple of days, they said the XXXX billing department, I think is XXXX XXXX on XXXX XXXX, IL. they said they don't have my ACH account, and I have another Loan under my name at XXXX XXXX, which is two month ago.
I never have multiple loan with them, they have the potential student loan fraud. I ask them about the tax document last year, they can't provided.
|
| 06/30/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
My Perkins loan ( under my maiden name XXXX XXXX ) just got moved to XXXX XXXX in XX/XX/XXXX. I am and have been a XXXX XXXX XXXX since XX/XX/XXXX and my loan is supposed to be forgiven because of this.
I have filed paperwork 4 times and made at least 3 phone calls to Heartland since XX/XX/XXXX. They always reject my paperwork and have made it impossible to get my cancellation and deferment.
I continue to get bills and continue to file paperwork. Everytime I call and ask why I'm getting a bill they find some problem with my paperwork the previous person I spoke with did not tell me.
I have a XXXX XXXX and am moving right now. I do not need bills coming that I do not have to pay. I'm holding up my end of the deal but XXXX XXXX is not. I never had this problem with my last loan servicer. I just want my loan to be forgiven as promised to me when I made the decision to accept it from the government. I never wanted to work with Heartland and would like this to end now.
|
| 01/16/2020 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
My prior loan company XXXX withdrew my XXXX payment on XX/XX/XXXX for XXXX payment. A new loan company Heartland ECSI is now charging me for the XXXX payment. They state that their billing period starts on the XXXX of each month. I have paid XXXX in FULL through the prior loan company. Therefore, my next payment should have been due in XXXX. They say they are charging me a prorated amount for XXXX. Why? XXXX was paid in full to XXXX. They also informed me that they are charging ALL of XXXX student loans the same way. Thats ALOT of loan overpayments! How can I owe them for XXXX when Ive paid XXXX to XXXX? Pro rated or not, XXXX was fully paid.
I have paid XXXX through auto bank withdrawal for a few years. Ive NEVER been late and I pay a few days early. Now my credit will be affected due to over billing from XXXX. Student loans are expensive enough without having to make a payment TWICE. Thanks for any guidance you can offer. This is just wrong on so many levels.
|
| 08/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My name is XXXX XXXX XXXX and I currently have a loan from my former university XXXX that is and always has been in good standing with XXXX. I continue to get mail from Heartland ECSI who claims they are the lender for the same XXXX loan and have been reporting non payments to the credit bureau negatively affecting my credit. I reached out o XXXX who confirmed that the loan in question is in fact in good standing with XXXX. I also filed a dispute with XXXX and have a file # XXXX thus far Heartland ESCI has not responded. Using the account number from them XXXX they claim that XXXX sold them the loan and that they are the new lenders. Again this loan has been under XXXX for a few years and there can not be 2 lenders for 1 loan. XXXX also confirmed that they only have XXXX and has no knowledge of Heartland ECSI and according to their records it appears that Heartland ECSI maybe engaging in fraudulent activities. I do have fraud alerts with all 3 credit bureaus.
|
| 02/04/2022 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Heartland ECSI is a loan servicer on XXXX of my student loans. Charged what they are calling an AR loan charge to my account a one-time payment of {$4000.00}. I was not alerted or provided anything in writing explaining the charge. It has messed up my credit. I tried to make a payment plan as a one-time charge of {$4000.00} was out of my means. They put my account in collection and reported it to my credit. A payment plan was not going to help and they claimed I had to pay everything at once. I have finally settled the debt after a lot of saving and getting a better job. I have reached out several times asking if it can be taken off my report and they are saying they can not do anything about it. I have reached out to the credit bureaus and they say it will have to be Heartland ECSI that takes that off my credit. I am now stuck in limbo and struggling to get any credit card or loan after working so hard to pay a one-time huge charge of a student loan.
|
| 11/06/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Electronic communications
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
ECSI has been aggressively sending bills and threats to my house address without explaining any specific options to me for my loan type specifically. They currently ignoring the matter as they do not have proper master promissory note for the full XXXXXXXX XXXX amount from me and they refuse to communicate or provide a copy. They just send bills. They said that my loans are private and does not have any options, but they offered 1 federal deferment option and directed me to fill out a form that clearly stated federal perkin loan deferment ( In this case I have to be working and not make money ) which is not my case. There is no other deferment options available to me they are pushing for heavy payments that I can not afford without proper terms, conditions and without a master promissory note. Their loans is invalid untill they have a clear master promissory note by me which they do not have and they refuse to provide. All their loans is invalid.
|
| 09/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My XXXX report shows a 30-day late payment for in XX/XX/XXXX my student loan serviced by Heartland ESCI in conjunction with XXXX XXXX University. XXXX XXXX was the direct servicer prior to that. When they entered the agreement with Heartland they released all auto-pay features and provided minimal details on how to make our payments to the new servicer or showed when they were do. The transfer of service occurred starting with the XX/XX/XXXX payment. Moreover, I still managed to make the XX/XX/XXXX payment in a timely manner, and in fact was charged twice. If it was for the XX/XX/XXXX payment, then that was because the new servicer had never alerted me, nor had either provided a means of access to the account. They made it an absolute pain in the behind to arrange a new auto-debit. Just look at my payment history, XX/XX/XXXX was never late. The missing payment there happened during my 60-day service transfer window mandated by federal law.
Thanks
|
| 10/07/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I am attending XXXX XXXXl while also repaying my loans from XXXX XXXX. I am part of a work repayment program that requires my loans to be in repayment status to get the benefit. Heartland ECSI routinely automatically switches my loans into deferment despite a letter I sent in XXXX of 2018 asking them to place my loans back into repayment and to stop all future updating of my loan status. I sent an identical letter to XXXX, and they have stopped all updating of my payment status and followed my wishes. Heartland ECSI refuses to follow my wishes and make the process for removing the deferment increadibly convoluted and difficult to follow through. Additionally, their customer service reps do not listen to my needs and instead try to convince me that deferment is the right choice. I get the impression that Heartland ECSI does not care to heed my requests and is instead making it purposefully more difficult for me to repay my loans on my schedule.
|
| 05/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I received a notice from XXXX XXXXS, the loan servicer, that my loan was past due. I had believed the loan was deferred. The notice I received stated that the loan was late, but not yet 30 days past due.
I contacted an account representative and she gave me information on getting back into a deferment. I explained to her that I did not want any late mark on my credit report. She stated that it was too late to get a deferment for that month and I could apply for one for subsequent months, but needed to make a payment for that month. I agreed to do so, and before the 30 day window made a payment in the amount that she had told me was due. She had assured me that if payment was received before the 30 day window passed, it would not result in being marked as late to credit reporting agencies.
Despite my making the payment, they have reported that account as late to credit reporting agencies, resulting in serious damage to my credit score.
|
| 04/01/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
Over the last 5 months I have faxed loan deferrment and cancellation forms Campus Partners. Each time I have faxed, I 've recieved conformation that the documents have been recieved, but according to them, they have not recieved the paperwork, despite faxing from my jod, XXXX AND XXXX XXXX. Each time I 've called, I gotten different information from different customer service agents. As a result, I now have a poor credit score and can not buy a larger home to better accommodate my XXXX mother who lives with me.
Campus Partners is poorly organized and has no system for managing recieved paperwork and paymenys.
I work hard to maintain a great credit rating and pay my school loans on time ... {$470.00} each month. Thanks to Campus Partners, I now have a default for {$160.00} on my credit report. If I could sue them, I would.
I 've since called them today and now they need something else.
THIS COMPANY SHOULD BE PERMANENTLY CLOSED!!!!
|
| 09/25/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
The ECSI loan provider gave me a loan for XXXX with a monthly payment of XXXX per month for 10 years at 5 % interest rate.
the file " loan details '' shows a screen shot of the loan details.
When I calculated the monthly payment through a free loan calculator and through XXXX and by hand ( 3 different ways ) the monthly payment should be roughly {$25.00} The file " actual loan rate '' shows the monthly payment that this loan should be.
charging me {$40.00} instead of {$25.00} is only {$15.00} but if this is done to thousands of former students across the U.S then I believe that ECSI will potentially steal close to a million dollars over time from students.
But charging an interest rate of around 11 % but claiming to charge an interest rate of 5 %.
I have already reached out to ECSI about the over charge on my monthly payment but have had no response on XX/XX/XXXX.
I felt obligated to share this information and so I have done so.
|
| 05/25/2020 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
My private loans that I had to take out in order to finance going to school at XXXX University were first serviced through XXXX XXXX, and then were transferred to Heartland ECSI. One of my four loans is being paid regularly by myself to XXXX ( a collections agency ). This was not an issue when I had XXXX XXXX.
For some reason with Heartland ECSI they are taking funds that I've allocated to the accounts ( B, C, D ) that are on my monthly loan statements and giving them to XXXX ( account A ), promoting past principal and interest due in next month 's statement.
I've tried at least 4 times to have them fix this, and they do so - but it just happens again next statement. Their response every time is that they have things automated, and that a human does not open the paper statement/my check.
However it is to be resolved, no past due principal/interest should be paid on my behalf as this is a processing issue with the loan servicer.
|
| 03/13/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
On XX/XX/23 XXXX sent an email requesting additional information regarding my XXXX XXXX Form. This form was sent to the XXXX last fall. On XX/XX/23 I responded that you are XXXX XXXX ( XXXX denies XXXX even though they share a phone number ). I asked how they obtained the form. The response was " based on the paper application imaged was a fax copy seemed to from my phone # ''. I then asked if the XXXX XXXX Form came from XXXX the XXXX?
On XX/XX/23 I received an email from XXXX requesting additional information. I responded with the same question " Did the XXXX XXXX XXXX came from XXXX the XXXX? I received a response on XX/XX/23 from XXXX XXXX stating " I could not tell who sent us the application. The servicer listed is XXXX ECSI ''. XXXX XXXX then offered to cancel which I accepted.
My scanner is not working, I will gladly forward these emails. I believe this incident to be a scam that could potentially cause great harm.
|
| 05/13/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I received an email from Fed loan approximately 4 weeks ago my XXXX loan was transferred to Oklahoma XXXX Heartland ECSI. For the last for 4 weeks, I tried to work with XXXX XXXX department, I had set up a payment plan with XXXX XXXX to make {$70.00} a month for all my loan based on my check stubs and size of my family and my XXXX son who is XXXX. But XXXX XXXX transfer my account to ECSI. I never received any thing from XXXX or ECSI. They notified me by my credit they put a large amount on my credit. I contacted they, filled out an economic hardship deferment, sent them documents of my paycheck stub, which is only {$2000.00} a month, and sent them documents of my XXXX son and he takes half of my income. I set up a payment plan with them, but they denied my application and payment plan {$50.00} a month, and they say even though I make {$50.00} a month they will continue to put it on my credit with interest till it is paid off.
|
| 09/21/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
|
In XX/XX/XXXX, my old Perkins Loan from XX/XX/XXXX completed the rehabilitation process with XXXX XXXX XXXX. It was then transferred to XXXX for servicing.
Payments have all been made in a timely matter, which has been acknowledged by the servicer.
In reviewing my file on XXXX, I saw that one loan was being reported as in default status. This initiated numerous phone calls to the servicer as well as several government agencies to find out why that loan showed as defaulted.
The servicer admitted there was no problem on their end and would look into it. The CS agent I spoke with also assured me that they update every Friday, and it would be resolved then.
Except, it wasnt. Finally, on or about XX/XX/XXXX, I was told by a CS agent at the Department of Education that the servicer had not updated since last XX/XX/XXXX, and that they are the only people who can perform this update.
As of today, it still has not been done.
|
| 06/22/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
My XXXX XXXX bought my private loan servicing contract from my lender XXXX Bank, XXXX. I never agreed to this, but do not have an option. I have been in XXXX school for the last XXXX years, and at the start of each semester am harassed for a payment despite automatically being entered in the XXXX XXXX XXXX. An auto-dialer calls both me and my co-signer at least XXXX a day, states " this is XXXX XXXX '' and hangs up. This is not the complete message, and when I call to request a stop to the calls I am told they can only provide temporary relief. I am also told I may not speak to a manager, and I may not have the phone number for XXXX Bank. XXXX Bank charges late fees, which I have no recourse to dispute since XXXX XXXX will not remove them, and will not give me contact information for XXXX Bank. The automated phone calls are harassment and the late charges and inability to escalate a claim are unconscionable contract terms.
|
| 04/19/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I have been paying on time since XX/XX/XXXX. My last payment was accepted XX/XX/XXXX as XXXX was transitioning to XXXX. Now that XXXX is servicing my loan I can not log in, and the system is not recognizing my social security number. I can't access a human being on the phone line because, again, the system isn't recognizing my social. I necer received any email from Conduent after this initial email from XXXX> Here is the last correspondence I received regarding my loan : Dear Borrower, This is to notify you that as of XX/XX/XXXX XXXX XXXX XXXX is no longer servicing your Campus-Based Student account ( s ). You should have received notification from your Lending School and/or the new servicer with your new contact information for this debt.
If you have not received notification regarding a new servicer for your account, please contact your Lending Institution directly.
Sincerely, XXXX XXXX and XXXX XXXX XXXX XXXX
|
| 05/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have contacted the Holder of my dept of education loans several times as well as the credit bureaus regarding ECSI Federal Perkins Loan Servicer inaccurate reporting of my account information. ECSI send paper billing with a balance of over {$7000.00} and a principle of {$5400.00}. Every month for over 2 years I send my payments in the amount paid has never been reported to the bureaus as a payment and reports as 0 % of my XXXX loan paid off. This is affecting the accuracy of my credit report. I, in turn, requested that ECSI send me a breakdown of my account and demanded they reported accurate payment history as well as balances. Because of this, multiple late payments reported to my credit report. It is obvious that my request was ignored as I have not seen any changes to my credit report. This is an obvious and blatant disregard for the Fair credit reporting act as well as my right to a fair and accurate report.
|
| 09/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
My business uses Heartland Payment Systems to receive credit card payments from customers purchasing insurance coverage. In this case, we received a signed application to buy insurance from a customer, were paid by XXXX for the insurance by the customer, provided the insurance, and five months later received a dispute from Heartland claiming that the customer did not acknowledge making the credit card payment for this insurance purchase. We provided detailed proof of the validity of the insurance purchase to Heartland 's Dispute Resolution team, which ultimately told us that this was an XXXX issue and XXXX refused to refund our {$18000.00} wrongfully taken.
XXXX responded that this is solely a Heartland matter, as Heartland is the payment facilitator for this transaction, and only Heartland can resolve. Heartland refuses to take any action on this matter. Thus, we are filing this complaint against Heartland.
|
| 02/21/2022 |
Yes |
- Student loan
- Private student loan
|
- Improper use of your report
- Received unsolicited financial product or insurance offers after opting out
|
|
Web |
|
|
XXXX has acted as a debt collector have have sent documentation to my abode without my consent. The documents they have sent me were both threatening and full of misleading information. Pursuant to 15 usc 1692b ( 5 ) the company has violated my rights by sending me debt collection information with a stamp on the letter head that proves they are in the debt collection business. This is a violation of my consumer rights.
XXXX have also used false and misleading information in their attempt to collect a debt by stating I have an outstanding balance and a '' payment '' is needed when the account was started from my consumer credit card from the federal reserve.
By including another company ECSI this debt collector has violated my rights under 1692f ( 1 ). A threat was sent to my abode and I demand that they cease all reportings of such alleged debt as well as send a full investigation of this alleged debt.
|
| 05/04/2020 |
Yes |
- Student loan
- Private student loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I kept getting a statement and letter from this service, even though I have already asked them numerous times ( registered mails-to make sure they received my requests ), to please send me proof of the original contract, itemized, not a disbursement copy with my original signature on it. But this " Heartland ECSI '' with their account, " Covid-19, XXXXXXXX '' is completely ignoring my requests, instead, I kept getting notifications of payments with interest accumulation monthly. And also, this company kept sending this notice of payment to the wrong address. so, the resident of this address is literally upset and had already yelled at me because they thought that I have not changed my mailing address yet? Its been months, since I changed my mailing address ( XXXX of 2019 ) This situation is putting me on XXXX. The XXXX of the Corona Virus is enough for me to handle.
I don't know what to do? Please help?
|
| 06/15/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
I have historically paid my Perkins Loan online at https : //borrower.ecsi.net/. On the site in the secure portion, I have used the direct payment choice which makes a payment direct from my bank without any fee. This has been done on a one time ( single recurrence ) basis. ECSI is developing a new website ( http : //www.heartlandecsi.net/ ) that they have encouraging the use of. On the new portal, there is not an option to make a one time ( single recurrence ) payment from my bank without incurring a fee of ~ {$2.00}. Across multiple accounts and over time, this is a substantial amount of money. I 'm complaining about there now being a fee for a service that previously did not have a fee. I have called the company and they were unhelpful. Additionally, I have attempted to work with the University XXXX XXXX as they technically still own the loan to get them to fix the issue. Neither has been successful.
|
| 05/24/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XXXX XXXX , 2017 I re ceived written notification of balance owing for the amount of XXXX . Payment to be received on or before XXXX XXXX , 2017. I was unable to attend my XXXX XXXX due to Holiday on XX/XX/XXXX of XXXX XXXX . On XX/XX/XXXX , my XXXX XXXX closed at XXXX XXXX . On XXXX XXXX , 2017, I was informed that there were additional fees associated with the private loan as this loan accumulates at 4.5 %. On XXXX XXXX , 2017, I sent out a payment in the amount of XXXX to be received on or before XXXX XXXX , 2017 t hrough overnight delivery with XXXX . I also informed company that I will only be paying the amount owing stemming from the written notification received on XXXX XXXX , 2017. Ne w statement received indicates balance owing to be XXXX . I have contacted company and have left a message with Manager handling my collection account.
|
| 06/18/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
US DEPT OF EDUCATION has re-aged my account stated that it was first reported in XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX and that I have made a payment in XX/XX/XXXX and XX/XX/XXXX. They are reporting the same account twice on my credit report. They have several different addresses, names, and account numbers. Every month its a different address with a different name. Re-aging an account is illegal based on the FCRA. I have requested the completeness of the account history.
Original Amount : {$1000.00} Recent Balance : {$1600.00} There name and addresses includes : - US Dept of Education XXXX - U S Dept of ED - US Department of Education - US Dept of Education XXXX - XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX, PA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX - XXXX XXXX XXXX XXXX XXXX, TX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
|
| 09/23/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
It appears XXXX XXXX inappropriately shared banking information with a 3rd party company and processed servicing rights without prior communication or authorization. Heartland ECSI CSR states that banking information would not have been transferred with their account ; however, they pulled money out of and the put back into my account in their company 's name. After the transfer, and communication I set up direct debit but they did not process my quarterly payment XXXX/XXXX/2015 and charged a late fee. The CRS stated I would have to talk to XXXX XXXX about a refund of that fee and claimed I set up a one time payment and not recurring despite their system stating " Starting XXXX/XXXX/2015 quarterly XXXX ''. The transfer process and lack of accountability is unprofessional. I contacted XXXX XXXX in XX/XX/XXXX and they said to talk to ECSI the new servicer and ECSI states to talk to XXXX XXXX.
|
| 01/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
On XX/XX/XXXX I made an online payment in which I had done for almost the whole previous 11 months of that year despite the fact that they charge XXXX to pay online. My payment was subtracted from my bank account and then credited back 6 days later. I was not aware only to get a bill for XX/XX/XXXX stating I was 30 days late. I called XXXX and spoke with 3 different customer service reps no one could explain what happened why I was credited back the money. Since I didnt want to pay late fee and the fee to pay online I mailed a check for the amount to cover XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX cashed my check on XX/XX/XXXX and left me a negative 30 day late on my credit. They refuse to budge even though I was not made appear that the payment was processed incorrectly on their end and not notified it was returned.
They are a scam. Charging fees, late fees and not processing payments
|
| 12/04/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have two XXXX XXXX Loans held by the Department of Education that were in default prior to XXXX. I signed up for the XXXX XXXX XXXX to get out of default. I received a letter XX/XX/2023 which including information about Income Based Repayment Plans available under the Fresh Start Program. I contacted my servicer, ECSI, to enroll in an Income Based Repayment Plan, and I was told I was not eligible but that I could apply for a forbearance program. When I applied for the suggested forbearance, I was denied and told I was not eligible because I am not unemployed. When I called my servicer ECSI back to ask about this denial and ask again about Income-Based Repayment Plan options, I was told I had to talk to the Department of Education directly . When I called the Department of Education, I was told that ECSI should not have referred me back to them but should have answered my questions.
|
| 09/21/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
For about a month I am trying to pay my loan via XXXX debit card, but the new website for Heartland ECSI is not allowing me to do so. I spoke to customer service and they told me that there was a problem with the website but 3 weeks have gone by and I still cant pay through the website.
I filed a complaint with CFPB and in XXXX XXXX the company replied to me saying that yes, that payments with XXXX card using XXXX could be made. I have tried to pay again using XXXX and I still am not able to pay. I inmediatelly answered to their email but they have not responded, and I am still not being able to pay using my XXXX debit card.
I now live in XXXX and I am very worried because I want to pay my student loans and this company is not allowing me to do so after they changed their website.
I am afraid also that they will give me late fees because payments are not able to be made.
|
| 10/16/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
XXXX used XXXX XXXX to push out a forebearance on my loan where I did n't have to pay back, as a " courtesy '' for 3 months. They did this automatically without opt-in.
On it 's own, that is just a minor annoyance. They then removed the autodraft that was in my account and responsible for automatically paying my loan every month. So, when the 3 months is up and if by chance I had n't seen their by-mail notice ( which could be worse if we were n't able to get mail in a relative amount of time XXXX, I would face a non-payment penalty.
On top of all of this, they do not allow you to add your AutoDraft back online -- you have to call them in order to re-instate it ( for something I never asked for to begin with ).
This is, undoubtedly, taking advantage of people with other things on their mind like getting their homes back to normal after a damaging category 5 hurricane.
|
| 07/22/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I found a loan on my credit report that I knew had been paid in full. On my credit report it is listed as unpaid for the full XXXX dollar amount. I contacted Heartland ECSI and they directed me to their website to print any statements. The problem, however is the most recent statement available on their website is from XX/XX/2017 and in that statement it says I owe the full XXXX dollars. I paid them the full XXXX on XX/XX/2017, however there is no statement after XX/XX/2017 that says my money was received and the balance is XXXX. All I wanted was a form showing the XXXX balance so I could send that to the credit agency and get this resolved. Instead they made me feel like a dead beat. This service company is criminal. They cause immense amounts of stress and overall life disruption with their sloppy practices. This all happens and the consumer ultimately pays the price.
|
| 06/17/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
I attended XXXX XXXX School in 2005. I was supposed to be released of all financial obligations, but this small amount has remained for years. I do not believe it is federal. They would bother me while I was at school elsewhere, and I would just defer. Recently, I just exited bankruptcy, and all creditors were notified of this and my new address ( and the stay ). Yet somehow they did not change the address and I received no notices of delinquency, no emails, and no phone calls about payment. Now, allegedly they have sent this thing to collections, but the collections agency has no record of this existing. So I am stuck in limbo here. I do n't want this to ruin my credit -- I do n't even owe this amount, and on top of it the alleged collection agency has no record of this.
They have not given me proper notice or an opportunity to request a deferral or forbearance.
|
| 09/21/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Older American |
|
The debtor kept recirculating the XXXX XXXX ( originally for {$6000.00} ) to cents on the dollar debtors. It was illegally never discharged due to permanent and irreversible XXXX, which was the legitimate basis for all my other 32 loans being discharged. The lender, can't remember if it was XXXX or XXXX, ordered me to submit their own request for discharge due to XXXX. I did this in XXXXXXXX XXXX then was told in XXXX that my loan went into default XXXXXXXX XXXX
Now I have received a notice from the Dept. of Ed. that this loan is now due again, in the amount of about {$6600.00}. I downloaded a Dept. of Ed. for discharge of this one loan, but am afraid I will end up in the same muddle as before.
What do I do now? File the request by paper immediately? File in online with the Dept of E
d.? Or, somehow file a complaint against the whole process with your agency?
|
| 09/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
ECSI has attached a debt to my credit and willfully violates an automatic stay order of my chapter XXXX bankruptcy in defiant violation of the Fair Credit Reporting Act ( FCRA ). They were notified on three occasions ( via mail, phone and email ) of bankruptcy filing by my attorney and myself. XX/XX/XXXX in the XXXX XXXX of California chapter XXXX was filed on my behalf by attorney XXXX XXXX case # XXXX. ECSI refuses to remove the debt from my credit in clear violation of FCRA.
Further, the debt is for a student loan allegedly dispersed to me in 2004. The last year I attended XXXX XXXX was XX/XX/XXXX. This charge is fictitious.
The misreporting of this information has had a negative impact to my credit. It has also recently caused me to be declined for credit. The stress of trying to correct this with the company has been both burdensome and time consuming.
|
| 04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Problem getting your free annual credit report
|
|
Web |
|
|
I asked Global Payments ( globalpay.com ) for access to my credit report. They replied Dear XXXX XXXX : We received your email dated XX/XX/. Global Payments is a provider of payment technology and software solutions in over 100 countries and, for most of our services, we do not maintain a direct relationship with consumers. You can find out more of our products and services on our website : https : //www.globalpayments.com.
We are not a credit reporting agency. If you are looking to receive a free credit report from a credit reporting agency, you have contacted us in error. If you have a business relationship or account with Global Payments, please provide additional information about your account to enable us to assist you.
Product name ( s ) that you believe contains your personal information Merchant or Customer ID Regards, Global Payments Privacy Office
|
| 02/21/2022 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
In short, I XXXX from XXXX in 2016. I have two need-based loans serviced through ECSI. I have been in medical school for the past 4 years, thus the loans went into deferral.
Upon checking my credit score earlier today, I was very surprised to see a notification for two delinquent accounts. ECSI had apparently re-opened the accounts as I have now completed my graduate education. However, I received absolutely ZERO communication regarding this fact. I missed two months of payments because I never received a statement on any occasion from them. Upon discovering this error, I immediately payed the full balance due, however, my credit score now has the history of delinquent accounts and dropped nearly 100 points.
This is an abject and total failure of communication on the part of ECSI. It is equivalent to a credit card company simply not sending a statement.
|
| 09/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
ECSI is a collection agency listed as a loan servicer and is in business with the XXXX XXXX XXXX at XXXX who have reported to all 3 credit reports of an outstanding " loan '' with fraudulent dates and amounts and classifications of a debt involving an NSF check from XXXX. Clearly the statute of limitations passed at least 8 years ago if it were true. The have falsified the date to XXXX and are still actively reporting this to all credit bureaus. I have found at least 2 different addresses for this collection agency disguised as a loan " servicer ''. I already filed a complaint against XXXX but the CFPB could not serve them the complaint. This is why. I have also contacted an attorney who specializes in this sort of fraud, XXXX XXXX. What they have done is illegal and one perusal of the XXXX shows you the scam they are pulling all across the country.
|
| 06/15/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
My Federal Perkins loan was placed in default due to an error made by an employee of XXXX XXXX. On XX/XX/2017, This company states it tried to post a payment to my checking account. No account could be found or a NSF issue. They sent the loan into default. I contacted my bank Account credit Union. We went over the transaction history specific for that date..no transaction was found for XXXX..and the account had a balance of XXXX dollars in it and another {$1200.00} posted the same day. The months before XXXX XXXX successfully received the payments. I didn't change my account every thing was the Same.
I believe the payment was applied to the wrong account or computer error on their end.
There is now a default on my credit report and inaccurate information in my loans records.
Had it not been for this one single incident my loan would not be in default
|
| 02/02/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
My school is XXXX Unviersity, XXXX XXXX XXXX XXXX, XXXX, NY XXXX They contract their payments to Campus Partners, who just this month began charging XXXX per transaction, per loan to pay from my checking account. It is much more to pay by credit card. The only way to not pay those " convenience fees '' is to pay by check or automatic withdrawal. I ca n't do automatic withdrawal because I do n't always have that money available to pay and I need to have the ability to initiate the transaction. I ca n't pay by check because that is not how I handle my finances in 2016. I find it absurd that paying electronically for student loans is the " convenient '' and not absolutely standard option. I 'm incensed to have to pay and pay and pay, since I may have to pay in several transactions, incurring XXXX per transaction to pay my loan. ( +interest )
|
| 06/09/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
- Money was not available when promised
|
|
Web |
|
|
Heartland payment systems hold my restaurant credit funds over 20 days, heartland never contact me after this happened, until I get on my online business banking account to check my balance, my balance went to negative, I got not enough money to run my business, have a great impact on my spirit and business. one of heartland employee counterfeit signature on my documents, I was uninformed about this, that is not my signature. Also they cancel my service with out my command, until I called heartland customer support to found out. When they do anything, they will not let customers know, that they will arbitrarily change customer information. ( my restaurant name : XXXX XXXX. address : XXXX XXXX XXXX XXXX Ohio XXXX phone number : XXXX merchant ID:XXXX. heartland customer support : XXXX XXXX XXXX and customer service:XXXX XXXX XXXXXXXX )
|
| 08/22/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
I transferred to XXXX university in XX/XX/XXXX. I was told by the admission adviser the first class was a free base on what they call XXXX XXXX XXXX XXXX. My financial aid kicked in during the subsequent term but XXXX found a way to charge me another {$2000.00} for during that term. I was also charged for the same complementary course they offered me as well. I reached out to them when I saw the charge in XXXX and was told it was going to be taken care of. Fast forward in XXXX, I received a bill for {$4100.00} from a company caller XXXX XXXX on behalf of XXXX. I emailed my student Admission ( XXXX XXXX ) and told him about the invoice. He forwarded the emailed to a Student account representative by the name of XXXX XXXX. XXXX to me I was not eligible for the complementary course but that was not communicated to me in XXXX till XXXX.
|
| 11/07/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Data furnishers are required by law to fully investigate any dispute that 's brought to their attention. If they do n't, they could face substantial regulatory action from the Consumer Financial Protection Bureau. In XX/XX/XXXX, the CFPB issued a formal bulletin warning lenders and other data furnishers, such as debt collection agencies, that they will be penalized if the CFPB finds they are n't properly investigating consumer disputes.
First, XXXX XXXX XXXX XXXX XXXX sent a collection agency notice to my parents house and not to me at my address in Texas.
Second, XXXX XXXX XXXX XXXX XXXX did not investigate my dispute of the invalid debt that I sent them via U.S. Mail and e-mail on XX/XX/XXXX. They reported me as delinquent to the Credit Bureaus and I have experienced significant adverse outcomes as a result of their actions.
|
| 08/24/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Heartland ESCI has been overcharging me for my monthly student loan payments, stating on my account that I 've been paying less. Thankfully this is a small loan, so my payments are n't much. But others with larger loans could be overcharged as well. My bank statements show I 've been paying them {$35.00} each month from XX/XX/XXXX untilXX/XX/XXXX, but Heartland 's website reports I 've been paying {$33.00} for statements of {$34.00} during this timeframe. They reported me as past due for an amount of {$1.00}. If I 've been paying {$35.00}, {$1.00} higher than the statement amount for a couple of months I should not be past due {$1.00}. If I continue paying {$35.00} every month for ten years I would be paying them {$120.00} more, and for what? The servicing fee is included in the {$34.00}. Something is off with this company.
|
| 10/06/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
I am concerned about XXXX XXXX because they did not notify me that I had a payment due and as a result, my credit could be adversely affected.
To date, I have received two statements from XXXX XXXX for a Perkins loan.
The first stated I owed {$0.00} on XX/XX/2018.
The second stated I owed {$160.00} on XX/XX/2018. This statement said {$84.00} of this was past due.
My concern lies with the past due portion. My previous statement showed that I owed {$0.00} so I could not have been past due.
I corresponded with the company via online chat. The woman wrote I owed for XX/XX/XXXX and XX/XX/XXXX. She did not acknowledge my concern and told me to check my account online. I expressed that I would have made a payment had I been notified. She did not seem to understand this. I believe this is predatory lending.
Thank you.
|
| 07/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American, Servicemember |
|
Global Payments has transmitted the incorrect information for XXXX XXXX in connection with a business service he provided through his now closed company XXXX XXXX and XXXX. Global Payments transmitted information that the customer was not satisfied because the customer had not received certain HVAC equipment/service when the documentation provided indicates the customer did receive the equipment/service and signed off on all documents that the service was satisfactory.
A prior complaint was filed on this subject in XXXX to which Global responded with completely incorrect information and never responded to the documents provided by XXXX XXXX. XXXX XXXX hopes that this second complaint will be responded to accurately by Global Payments and that CFPB will do more than just " rubber stamp '' whatever Global Payments says.
|
| 08/08/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
For over 5 years, I have attempted to get this loan cancelled under the medical technician provision. Of all the requests, only 2 were actually applied to my account, when I qualified for the entire amount to be cancelled ( 5 years worth ) - an email is attached showing a cancellation was in place in 2019.
I have been unemployed for several months and was recently notified of the loan being transferred to collections. On XX/XX/XXXX, I uploaded the deferment form ( before the loan was sent to collections ), on XX/XX/XXXX, I was notified my loan went to collections and on XX/XX/XXXX, I was notified my deferment was denied because my loan was in collections. When I uploaded the request on XX/XX/XXXX, my loan was NOT in collections. I need the deferment to be applied so I can get the cancellation requests done AGAIN.
|
| 06/03/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I made a settlement with the student loan company for my old student loans from 30 years ago.
I paid them and they told me I owed nothing to the student loan department.
I have watched my credit report and paid all my debts on time and had a good credit report, only to see it drop 40 points one day.
I looked into it and found it was the federal perkins loan department ( ECSI ) saying i did not pay them {$900.00}.
This is unfair as I have not heard from them in 5 years.
Knowing I paid my debts with the student loan company if there was anything outstanding with the government, they would know.
Help me please, I want this off my credit as it's unfair to put it on without contacting me in the last 5 years.
I also don't see why I have to pay it if I was told by the federal government i owe nothing in XX/XX/2018.
|
| 09/05/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
I have a NFLP loan. I am in my 2nd round of appeals from ECSI. They inappropriately denied year 3 of loan forgiveness. The escalation team member agreed it should have been approved but upper management disagreed. Every year prior I had issues with them applying forgiveness that eventually got resolved.
Full time XXXX XXXX job Started XX/XX/XXXX. Graduation date XXXX XX/XX/XXXX.
Year 1 forgiveness XX/XX/XXXX XXXX XXXX XXXX approved Year 2 forgiveness XX/XX/XXXX XXXX XX/XX/XXXX approved Year 3 forgiveness XX/XX/XXXX XXXX XXXX XXXX inappropriately denied.
Reason my employment ended XX/XX/XXXX but that is after the year of service that was completed XX/XX/XXXX. My changing of employment should only effect year 4 forgiveness. New full time XXXX job begin XX/XX/XXXX. I can include all documents submitted to them.
|
| 08/30/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
I submitted a forbearance request on XX/XX/2023 due to unable to pay payments. I put XX/XX/2023 as my start date and needing forbearance now. They sent me an email on XX/XX/2023 that I needed to change the start date because it wasnt meaning for ( now ) that it needed to be backdated. The email I have from ECSI says I have until XX/XX/2023 to change that date. On XX/XX/2023 I went to submit that change ( no decision had been made on my forbearance ) yet as I had until XX/XX/2023. The site did not allow for change, and I had called ECSI. They said they gave it to the debt collector and couldnt take it back. I called the debt collector and they did not have my info yet. I recalled ECSI ON XX/XX/2023 and they said even though they told me I had until XX/XX/2023, that it can not be taken back once its been sent off.
|
| 03/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have a Federal Perkins loan from XXXX XXXX XXXX XXXX ( Account XXXX XXXX ), which was serviced by XXXX ( XXXX XXXX account is- XXXX XXXX XXXX XXXX XXXX XXXX In my Federal Student Account the Perkins loan is showing a balance of {$270.00} which is currently being reported incorrectly. The balance of the loan is actually {$0.00} and was paid off in XXXX. The loan is also being reported incorrectly to credit agencies, as a balance of {$270.00} when it should be reported with {$0.00} balance and paid. Please see the payoff letter from the XXXX XXXX XXXX below.
I have contacted the servicer ( XXXX ) multiple times and asked them report this Perkins as paid in full and owing {$0.00}. This Perkins loan has been paid off since XXXX and XXXX has incorrectly been reporting a balance owed from XXXX present day XXXX.
|
| 04/14/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I have an institutional loan for which servicing recently was moved from XXXX to XXXX XXXX. XXXX XXXXI has presented erroneous information on the amount due. Under the heading Amount Due, it lists an INCORRECT dollar amount. An asterisk appears, with the footnote reading " Due to possible accrued interest, the Amount Due shown is estimated for Quarterly, Semi-Annual, and Annual repayment schedules. To view your actual amount due, go to Billing & Payments to view your billing statements. Actual payment amounts due will also be displayed when making an online payment. '' However, there are no data on the Billing & Payments link. What's more, there are no billing statements to view. Nowhere on my online account does it indicate what the correct amount due is. So, how am I supposed to pay my loan without defaulting?
|
| 01/25/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
In or about XXXX XXXX, the loan servicer for my XXXX loan changed from XXXX XXXX to XXXX XXXX.
There was a delay of 2 months between when XXXX XXXX finished servicing my loan and when XXXX took over. XXXX charges fees for processing online payments using debit cards : 3.95 % plus {$1.00} for one-time online payment. The only way to avoid a fee is to pay by check or money order, which delays the processing of the payment and increases interest, or to set up recurring automatic payments. I get paid biweekly on different days of the month, and prefer to pay each month on a day when I know the deposit from my most recent paycheck will be available.
The previous loan servicer ( XXXX XXXX ) did not charge fees for online payments at all. I am now paying extra if I wish to pay online, which adds to my debt burden.
|
| 03/10/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
My loans were recently transferred from my original loan service company to a new company called XXXX XXXX. I wanted to pay off my loans completely because they have horrible customer service and they instituted fee 's for making extra payments even from my bank account. I tried to pay off my entire balance, but they refused to allow it and stated they have a $ XXXX/day limit. I asked the service representative to provide me a way to pay off the entire balance without having to wait additional days and pay fees for each extra payment. They told me there was no choice but to make multiple payments over multiple days and incur the additional fees and additional interest that would result. This seems highly inappropriate and outside the norm compared to my experience with other student loan service companies.
|
| 03/08/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I submitted and In School Deferment for my Federal Perkins Loan on XX/XX/XXXX and again on XX/XX/XXXX through my school XXXX XXXX XXXX XXXX. I am currently enrolled more than half time there studying accounting.
I received a notice via email stating that my deferment would not be processed on XX/XX/XXXX. The letter requests I respond immediately ( by XX/XX/XXXX, the same date it was received ) and denying my deferment request. I was previously assured on XX/XX/XXXX via a Heartland/XXXX representative ( through a chat tool ) that my deferment would be backdated.
My complaint is about 1 ) the misinformation transmitted via Hearland 's representative on XX/XX/XXXX, 2 ) the 1 day response request regarding my deferment, 3 ) the incorrect denial of an otherwise timely and correctly filed deferment request.
|
| 07/12/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
I was repeatedly lied to by ECSI. They told me the only way to get my loan out of default was to give them personal information. This was incorrect. According to the XXXX all I had to do was make XXXX consecutive payments on time. I did this and had the loan rehabilitated. After the loan was rehabilitated, ECSI retaliated and posted negative information on my credit report. They indicated that I had n't made payments in the past 15 months. I had in fact been making them for approximately 10 months. I called and complained and they blamed it on the credit reporting agency. After an investigation showed they were responsible, they claimed they no longer had my info, it was with the federal government. After that I received another billing statement from them. So they told another lie to avoid the issue.
|
| 03/18/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
my husband has a student loan that in XXXX different agencies, still default but XXXX of them told us to do a rehab program for 9 months just {$5.00} a month ( this is only we could affo rd ) so it will be out of default once this rehab is over. But they told us to call the another agency to do the same with them, the problem is their program right now that is available to us is {$100.00} a month for rehab. I spoke with the dept. of education few wks ago and they said it should be all the same if that only we could a fford ( {$5.00} a month ). Right now this other agency that 's collecting {$5.00} from us still garnishing my husband wages until 5 months of rehab is done, we can not do {$100.00} for this another agency, it is too much for us family, we are really struggling with money. thank you
|
| 08/17/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
I attended XXXX for my XXXX, XXXX degree and completed back in 2013. The cost of this degree was over XXXX. I exhausted my federal student loan monies and to complete my degree had to sign a private loan through XXXX which is managed through XXXX ECSI. My monthly payment has gone up to {$320.00} dollars monthly, which does not include my other private loan through XXXX XXXX and my federal loans that are currently being repaid. I have continued to ask for assistance bringing my monthly payments down so I do not default on this particular loan and will get assistance for XXXX months but after that it goes back up to the original amount of {$320.00} per month. I can not afford this kind of money on just XXXX loan and need assistance finding a way to get this monthly payment down. Can you please help me?
|
| 12/23/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
XXXX switched to a new company called XXXX XXXX. My original agreement with the university was to pay quarterly. However this company has decided to make me pay monthly my quarterly amount. I tried to do automatic payments, however they make me pay my quarterly amount monthly which makes it 3x the agreed amount. Additionally they charge large for almost all forms of payment ( including one time payment direct withdraw from checking account ).
They also keep charging me late fees due to their own internal error of not being able to do quarterly payments vs monthly / failing to properly adjust the amount and now they reported my account within 5 days of being past due, despite my payment being only 5 days late.
This has caused undue financial burden and harm to my credit score and well-being.
|
| 09/15/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
I have requested several times that Campus Partners disclose the status of my account to XXXX ; however, they are not honoring my request. Campus Partners drops the ball on my request and causes significant delays when I fax them paperwork. In essence, my problem is that Campus Partners does not process my requests in a timely manner which causes me damages. Their customer services reps lied to me and gave me incorrect information when I asked them " what I needed to give them in order for XXXX XXXX of Transunion to inquire about my account ''. In addition they are telling me that I have to wait 1 week for them to confirm a time-sensitive fax. Due their incompetence, significant delays and unfair treatment I am unable to accomplish my goal of having XXXX call to get an update on my account.
|
| 09/18/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
XX/XX/XXXX-XX/XX/XXXX I consistently contacted the school about the status of my financial aid. XXXX XXXX who is supposed to be my success coach and financial aid advisor rarely calls, and rarely emails me back. He always replies to my questions with, you have to go search for scholarships ; never provides any real feedback on the entire outlook on my financial aide status as it relates to, having enough funds to graduate. I notified the dean of this exact issue before ; they never resolved it. The school sends most students refunds that are equivalent to XXXX and then I had classmates who complained the year before they graduate, the school drops them from courses because they charged them with not having enough money to complete their last quarter. The cycle needs to end at XXXX XXXX.
|
| 08/09/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
Heartland ECSI is charging me what essentially amounts to a prepayment fee. Heartland charges fees on direct debits by routing/account numbers, unlike most other servicers - including XXXX, XXXX and XXXX. I requested a refund of these fees and notified their customer service staff and supervisors that they were likely charging illegal fees on XX/XX/19. They did not refund the fees.
They appear to be in violation of my Truth in Lending Act disclosure for my federal Perkins loan in doing so. I asked that they refund the fees charged to my account on these dates : XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 Further, I'd like CFPB to look into the legality of Heartland ECSI charging these fees to any of their customers. This seems to violate the spirit of the law against prepayment penalties.
|
| 04/02/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
I set up payments on my loan through my bank, XXXX. My monthly payments started on XX/XX/XXXX, and continued to be sent on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Although the amount due was only {$40.00} each month, I 've been paying {$100.00}. Heartland ECSI, my student loan provider, processed the first two payments correctly, but claim not to have received the last two. I 've provided them documentation from XXXX, confirming the payments, but they have n't been able to resolve the issue over the last two weeks. I feel like they are dragging their feet on a resolution. I am now making a payment of {$88.00} to bring my account current, but no one seems to know where the {$200.00} has gone. It is my preference to continue paying through Bill Pay, as I pay all of my bills that way.
|
| 11/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
|
|
Web |
|
|
My entire life I only studied and took student loans for two colleges, and the two colleges are XXXX XXXX XXXX College District ( XXXXCD ) and XXXX XXXX University ( XXXXU ). I studied and took student loans for no other college in my entire life. All of my student loans are either currently in deferment or forbearance status. I have several student loans over several semesters between the two colleges that are bundled together ; then come along this lone student loan as an outlier. I only signed up for government aid and not private student loans. I suspect this student loan was made out of fraudulent activity. This is not my obligation.
This student loan is from XXXX Federal Perkins Loan Servicer with a principle amount of {$3000.00} and a current balance of {$3600.00}.
|
| 02/02/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
I received a letter a few days ago stating that my acct went to collections, and is & gt ; 180 days late, yet this is the FIRST letter I receive. I did reply promptly when I received the letter, but they sent my account to collections. They stated that they had a incorrect address for me, until last week. I feel that this is a unfair collection practice, as they get a lump sum when a collection agency purchases the account. Please notice how they suddenly found my correct address when they decided to notify me they would be sending me to collections. Furthermore, they had my correct phone number, and never bothered calling it. My phone broke last week, but I 've had my # XXXX for years, and not once did they call me. ( I have screenshots of my conversation with the ECSI rep ).
|
| 04/16/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
I had a payment with due date XX/XX/2017.
I paid the amount on XX/XX/2017.
I received two letters : 1 ) A payment was not made on XX/XX/2017, and that I was past due 2 ) A second payment is due on XX/XX/2017, despite my repayment plan be QUARTERLY.
I tried paying the XX/XX/2017 payment on XX/XX/2017, and their website was down ( as usual ).
I would ATTEMPT paying earlier if they posted the payments earlier. I was n't able to reach Heartland ECSI on XX/XX/2017, and on XX/XX/2017 it was Saturday and they were closed.
I previously filed a complaint against Heartland ECSI for their " convenience fee '' of 5 % when making online payments. That is, when the online payment system actually works. It is down 75 % of the time. I 'm curious this is some kind of retaliatory tactic.
|
| 05/24/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
- Money was not available when promised
|
|
Web |
|
|
I started using heartland payment systems company for my XXXX business onXX/XX/XXXX, normally I should receive my money in to my bank no more than 24 hours, but they hold my money over 20 days, until I found out it on XX/XX/XXXX on my online banking and called them. in the past 20 days no body contact me about this happen, I was very shock.i don't know who took my money in the past 20 days. I been talk to them many time to get back my money, they keep lie to me said tomorrow than tomorrow again, my business checking account been negative, not enough money to run my business, I wait for almost a week to get my money back, also they didn't give me a final answer what is going on. the money sent back to me was not very clear, and not correct. ( heartland customer support XXXX )
|
| 03/06/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I have not received any notices of transfer of servicing for my student loan. When I logged onto XXXX on XX/XX/2018 to make my monthly payment, the website page stated that my loan was no longer serviced by XXXX XXXX. I am unable to access my loan account information and billing documents. The alert stated that my loan was transferred to XXXX XXXX. I have been waiting over half an hour to connect with a telephone representative to try to confirm the transfer. Further, I am trying to also connect with their online chat system but the chat box has stated that a rep will be within 13 min, but I have been waiting longer than that and no one has responded. I am unable to get in touch with anyone on Heartland to confirm the transfer and figure out where to send my monthly payment.
|
| 10/18/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Hello, My loan is a XXXX loan. Because of the pandemic, I was under the impression that the payments were halted till XX/XX/2022. The company claims that they are not federal loans, but they are not private! The loan is issued through my school.
I've made payments ( though not all ), but the company recently sent my debt to collections with almost no warning. I have called both the company and the debt collection company, and they gave me a phone number to my school that was disconnected. I simply want to make my account right and get things on a payment plan ( it is utterly insane that ANYTHING is due IN A GLOBAL PANDEMIC, but I digress, as we live in a country that puts profits over people ).
How is a student loan companyFOR A FEDERAL XXXX LOANaloud to do this?
|
| 05/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Made a call to Heartland ECSI approx XX/XX/2020 regarding XXXX payment. Customer service Representative stated " contact must be made to the school attended. Made contact to XXXX main campus, voice message left student financial services on/around XX/XX/XXXX.
XX/XX/2020 around XXXX XXXX.
A returned call from XXXX XXXX Student financial Services ( The Bursars office ) Apologized for someone not returning the call sooner, stated ( left message on another department Voice-mail ). Made Mrs. XXXX I'm unable to comply with payment due to the current situation ( not -working ). Documents received to complete for processing for deferment. XX/XX/2020 Credit score dropped 38 points due to not responding in a timely manner. This decreases my credit and creditworthiness.
|
| 11/07/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I received an email this morning from the loan servicer ( XXXX XXXX ) that my account was past due and I owe them {$2200.00}. I have not missed any payments and have proof that all my payments have been processed via ACH on time since I signed the payment plan agreement. Their website says the account is paid in full, though I should owe {$2000.00} right now per the payment agreement. I called their customer service number and they don't know why the account shows as paid in full ( when I should owe {$2000.00} ), or why I received that email ( which originated from XXXX email domain ).
Attached are screenshots of the email I received, my payment history for the account, the paid in full message, and a PDF of the payment plan agreement I signed over the summer.
|
| 09/22/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
The alleged debt was paid in full In accordance to cfr XXXX. This was a credit sale, I am aware this is a negotiable instrument evidencing the debt arising from this consumer credit transaction. This debt was paid in full at signing of the debt, yet you are trying to charge me XXXX. Deceptive collection practices is what your doing and many other violations. Me, the debtor have the right to bring any claims and defenses against any holder of this instrument at any time.
16 CFR 433.2 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
|
| 01/30/2023 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I have a student loan that is being serviced by Heartland ECSI. Due to the expiration of the XXXX related loan pause I was informed that by ECSI that they would begin to bill/auto-debit for my loan in the coming months. Interested to both see and potentially take action on my loan, I attempted to login to my ECSI account and was told via their automated system that as it had been 120 days since I last logged in, I would need to reset my password. However, when I attempted to do so the system was unable to locate my account, despite being provided with my correct username, last name, and DOB ( as requested ). Furthermore, when attempting to contact ESCI I was unable to get to a customer service representative despite repeated calls with hours-long wait times.
|
| 07/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
I have a XXXX student loan that is currently in repayment status. In XXXX of 2016 , my lender, XXXX XXXX , decided to transfer my loan to a new servicer : Heartland ECSI. My promissory note requires that my account information be provided to XXXX of the credit reporting agencies, and my lender requires that Heartland ECSI report specifically to XXXX . However, Heartland ECSI has only reported my account information to XXXX XXXX ( XXXX ) time since becoming the loan servicer. Therefore, I believe XXXX XXXX and Heartland ECSI has been in violation of the promissory note for fifteen ( 15 ) of the last sixteen ( 16 ) mont hs. I have been in contact with both Heartland ECSI and XXXX XXXX regarding this issue since late 2016 .
|
| 08/23/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
XXXX XXXX XXXX took over XXXX XXXX Loans in XX/XX/2017. Since then I have been unable to access my account. I have received no correspondence since the take over regarding my account. For over a year I have tried to log-in to my account with no success. I have also tried calling customer service. Each time I receive a message or am told that the action is unavailable and to try again later, or that my account can not be found ( See attached images ). Because of this I am unable to check my account or pay my bill. It seems like many other people are having this problem as well. I can only imagine the mess this is causing, as I have been unable to pay my student loan in over a year and have received no billing information. Something is clearly wrong here.
|
| 01/30/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
XXXX XXXX XXXX University has engaged an outside party called https : XXXX XXXX XXXX to provide students with XXXX IRS TAX FORMS. Heartland.ECSI.net .suckered me into making an account with them that I can not delete. They will not provide a delete account option. Their phone and online chat wait time is so long it is unbearable. Is it University outsourcing? I do not know but this is the second University to do this to me this week. XXXX XXXX XXXX University made me submit my personal documents to an organization called XXXX, which also will not let me delete an they tricked me into making. I do not know who in the State of South Dakota is making these horrible outsourcing of Univesity data and personal privacy but IT MUST BE STOPPED IMMEDIATELY.
|
| 11/04/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have an XXXX XXXX account for my XXXX school loans with XXXX. The servicer has very poor response to customer inquiries, does n't allow for easy repayment of the full loan amount, does n't allow for online setup of recurring payments, sets up substantial barriers to telephone customer service with long wait times. I have multiple loan accounts and XXXX doesnt allow me to setup recurring bill payment through online account because I have " multiple accounts '' .I have personally been on hold for 4 hours without reaching a customer service representative.
I believe a lot of these barriers are placed intentionally by this servicer. I am including a picture of the screenshot from the phone call that illustrates the extraordinarily long wait times.
|
| 03/08/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
XXXX merged with XXXX in XX/XX/2017, and now I cant log on to pay my student loans or even contact them. I tried logging in to pay, and it kept saying the action was unavailable at the time. When I tried contacting them via the Contact Us form, it requested my SSN and then said I did not have an account with them. When I tried to register again, it said I have an account! I have been unable to speak with a representative to resolve this matter. I have been dealing with this issue for over a year and haven't had any luck. Also, I have moved since then, so my address has changed so I haven't been receiving any statements. ( I can not change my address because I can not log on to my account or contact a representative. ) Im at a loss of what to do.
|
| 08/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I requested XXXX to conduct an investigation into my Campus Partners account that has been open since XX/XX/XXXX. The account was supposed to be consolidated with the rest of my student loans but was erroneously left out. The challenge is that account has been erroneously reported as a collection account and past due since XX/XX/XXXX. The loan has since been paid in full.
I informed XXXX of the same. Not only did the investigation exceed 30 days but they told me on numerous occasions that the first delinquency was XX/XX/XXXX which is not true and they could not delete the trade line. When I asked for a full payment history since the opening of the account, they would not comply which, in my mind, should be been verified during the investigation.
|
| 01/06/2022 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I have 3 private loans with my loan servicer. I have registered an account with their website. I used the website to get my most recent statement with a due date of XX/XX/2022. It only shows 2 of the 3 loans. I called the customer service department on Monday Tuesday XX/XX/2022 at approximately XXXX. The representative I had was very helpful. She connected with someone in the IT department. The IT person said " the system should not do that '' and then provided no further guidance. We reached a second IT person, who said they will look into it and contact me within 24 hours. I have not heard from them. This is a time-sensitive and urgent issue to receive a FULL statement for all three loans and their pay-off amounts, which is my right.
|
| 08/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 08/10/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I sent in a forbearance request by mail to XXXX XXXX, but have heard no response. I keep getting mail from them, like they have not received my request. When I tried to call during the day I would be on hold for hours, then the phone would disconnect. I did reach a representative after 45 minutes on hold one evening, only to be told that his computer was down, and he would have to place me back into the que to wait for another agent. I was on hold again about 30 minutes then the phone disconnected. They have no fax number to submit forms, and my time limit is growing close to it going into default for Perkin 's Loan. Most of my other loans I was able to consolidate and place in forebearance, but not this one loan for {$4000.00}. XXXX
|
| 11/26/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
Older American |
|
I received a Loan of $ 5000.0o from XXXX College , XXXX University , in XXXX , in the Late XXXX. Soon after, I fell on hard times and in ended up into the XXXX Hospital in XX/XX/XXXX where I received treatment and rehabilitation. I had made attempts all the long of paying off the Loan to XXXX XXXX College and then to a Loan Collector in XXXX and now to Campus Partners. Thus far, I have paid close to, if not over, {$9000.00} for the original loan of {$5000.00}. I am submitting the following loan information for this loan to be deem pay in full with interest : Account Number XXXX, XXXX Univ, Amouint Due $ XXXX.My information is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
Email : XXXXXXXXXXXX Cellphone : XXXX
|
| 01/07/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
I have a student loan from XXXX XXXX XXXX University being collected by ECSI. I have paid on the loan since 2008. I went through unemployment and then entered school full time. I am in school at XXXX XXXX University for a XXXX in XXXX XXXX.
ECSI has received all of the deferment paperwork for in school status. They contact me every other month at least to tell me I am due for payments. Then they send me emails that I am in deferment. The website states I am in deferment but it also shows I have payments due.
I am trying to buy a house and I looked at my credit tracker. ECSI sent me an email in late XXXX that I am in deferment from XXXX to XXXX Then they reported me 30 days late to the credit bureau on my account on XXXX XXXX.
|
| 07/28/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 04/20/2022 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
One of my loans ( XXXX for XXXX XXXX, {$12000.00} ) through Heartland ECSI has the incorrect disbursement date. The date is listed as XX/XX/XXXX, which is completely erroneous as I was born in XXXX and did not start medical school until decades later. I plan to consolidate my loans through a different servicer, which will require the correct date. If the disbursement date is not changed to the correct day, it will affect my debt consolidation and my ability to have my loan forgiven through PSLF. I have called their customer service several times over the course of two years without anything being done for it and being placed on hold for hours. All I am simply asking is for the correct information to be displayed.
Thank you
|
| 04/25/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
My loans were recently transferred to XXXX XXXX, and they can not give me accurate billing. When I call and speak to their customer rep, they state a different amount due than the website " Amount Due '' states. What's more, the PDF billing statement for this cycle said there is no amount due, contrary to both what the customer rep and website screenshot said. The company can not give me accurate, reliable info about the amount due.
Also, I registered for auto-pay and the customer rep claims I did so successfully, but the website continues to state " no payment scheduled. '' I have paid my loans on time for several years with other lends. It truly feels as though XXXX XXXX is intentionally trying to induce me to default.
|
| 07/10/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
I have being paying my student loan ( {$500.00} ) plus extra each month ( approx. {$250.00} ) to pay off faster & I have been doing this for years. The " Amount Due '' has not changed since interest rates ( prime ) were lowered XX/XX/XXXX/XX/XX/XXXX. Suddenly XX/XX/XXXX they lowered my payment by {$110.00} and applied an additional {$940.00} to the principle. I found this odd so I called 3 times to get an answer from them. I was promised 2 times that they would send additional information to explain what happened & prove that they rectified the situation correctly but I have not received anything yet. They can not provide any detail over the phone except it was taken care of correctly. One of their reps was extremely rude.
|
| 01/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The XXXX XXXX XXXX marked my student loan accounts as late, when I clearly deferred my loans over a month ago. I also re-submitted my deferment documents ( this time online ) today to ensure that you got them. It is not my fault that a publicly funded university that receives millions of dollars a year due to ever increasing tuition fees can not keep up with their mail. Not only is it completely disgusting and abhorrent that this university would try to collect on loans during a national emergency and a global economic depression, it is also completely unethical and inaccurate to mark payments late while most of country is very obviously in unemployed, receiving benefits, and/or eligible for deferment through other means.
|
| 03/19/2016 |
No |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
Describe what happened so we can understand the issue ...
I have had a XXXX loan from XXXX XXXX XXXX XXXX. ECSI Services my loan.
I have auto deductions each month to pay this. I pay over the amount at {$50.00} per month. The website gives you the options to choose your pay date. I chose the XXXX. I noticed I have over 6 months of late fees at {$5.00} each.
Also I received 2 letters : One letter says I owe {$35.00} for XXXX XXXX. The second letter says I owe {$75.00} and that my account is past due 45 days. If they do not hear from me in 15 days they we put me in collections. I went to review my account history and I am current. So I do not know why I keep getting weird letters from them. Seriously it stresses me out.
|
| 09/03/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
Heartland ECSI has harassed me and tormented me through their debt collection protocols and policies. They have no interest in fairly servicing the loans on their books, and their staff are venal, unhelpful, and downright vulgar in their professional activity and behavior. Their staff have routinely shown themselves to be ignorant of the grounds upon which a student must be approved for deferment, and attempts to seek clarification are unsuccessful due to dreadful customer service.
Additionally, Heartland ESCI drags its feet on such approvals, so as to charge additional fees. It takes actions in the interests of its profits motives, and when federal law conflicts with those profit motives, its profit motives prevail.
|
| 12/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Investigation took more than 30 days
|
|
Web |
|
|
I requested a copy of my consumer file from Global Payments and the company refuses to provide it unless I can specify which of their Product Services that I believe contains my personal information and the Merchant or Customer ID.
Global Payments works with many merchants and provides many services. I have no way of knowing where my personal consumer information is held under their many services and merchants.
Unless I can provide the exact service and merchant the company is refusing to provide me a copy of my consumer report. This is a violation of the Fair Credit Reporting Act.
Global Payments Inc.
XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XXXX XXXX https : //www.globalpaymentsinc.com/en-us/privacy-statement
|
| 07/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureaus to have these items removed.
I have requested that the creditor and/or credit bureau provide me with proof that the debt is mine but they have yet to do so. My requests are ignored and I am instead sent a bill to pay. During this time, I have been consistently harassed via phone and mail to pay a debt that is not mine.
|
| 05/20/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Heartland ECSI has been repeatedly contacting me in an attempt to collect payment on a {$2600.00} emergency loan that I had to take out as a XXXX XXXX University student during XXXX. The bill has escalated to {$2900.00} and is not my responsibility because yesterday, on XX/XX/XXXX, I contacted the university 's financial aid office and they noticed an error on my account. There was actually a credit on my account from a valid student loan that by fault of the university was returned to the lender. I now have a tuition refund credit on my account in the amount of {$10000.00}. Heartland ECSI has mentioned that all they can do is work with me to initiate a payment plan but I do not owe them any money at all.
|
| 06/20/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
If you read their print, they charged {$0.00} service fee for each transaction we made online. If we make payment via telephone, they charged {$10.00}. I've dealing with other company like XXXX, I understand if company charged via phone call because they want to lower the labor cost. However, charging us {$0.00} each time we make payment is not fair at all. Comparing to how small my loan is, I feel this act is completely rip off and I do not appreciated that. I do not know how other students handle this but I've never heard any loan collect company do this. If possible, transfer my loan to XXXX so it is easier for me to make my payment and view my account. Their website is really out of dated. Thank you.
|
| 08/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have been on an automatic payments schedule with Heartland, XXXX, for a student loan. I pay a small amount quarterly on this student loan, which was not debited last period unbeknownst to me. I was never notified of that my account was late or that my account was taken off of direct debit of scheduled payments which it was on previously. I called into customer service when I saw on my credit report that there was a 30 late notice. I was told by the customer service of that this delinquency will be corrected at the credit bureaus since there is a record that I was supposed to be on a payment schedule and which was removed for an unknown reason. Unfortunately, this correction has not happened as yet.
|
| 11/02/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have called multiple times concerning my current loan repayment plans. They gave me listed as four months in delinquency ( which I am not, even according to their documents ), and when I ask them why, they tell me that they are not sure. When I ask for more info, we get " disconnected ''. I keep calling and nothing gets solved. My payments are showing as being credited to the right accounts, but when I call, I get different answers. I have been told four different amounts due today by four different representatives. They told me once today that I needed to lay over the phone a different amount, and I did, but apparently they credited the wrong account. Now I have to pay more. I need help please!!!!
|
| 03/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I sent off a debt validation letter on XX/XX/2022 via registered certified US mail that was never responded to nor acknowledged by XXXX XXXX. Pursuant to 15 USC 1992c ( d ) I had my wife to complete a recorded call and speak with a representative about deleting the account in the amount of {$14000.00} off of my credit report as I have never given consent for them to report on my behalf ( 15 USC 1681a ). She unlawfully refused to speak to my wife citing that she is not account holder when my wife is lawfully able to speak as a consumer ( 15 USC 1992c ( d ) ). Also, this account is fraud and identity theft as the consumer credit transaction of the alleged account is already completed ( 18 USC 1028a ).
|
| 05/18/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
I have a XXXX ( XXXX ) loan with ( University XXXX, XXXX, XXXX ) outstanding with XXXX late payments from last year. ECSI told me to fill out a economic hardship application so there is proof of my XXXX last year during those XXXX late payments and they would clear those late payments reported with credit bureau. They accepted my application but the credit bureau is still reporting the XXXX late payments. I need those late payments cleared from my name please. I pay XXXX the amount due on this same loan every month now that my business is reporting income. I would appreciate a little help, especially from all the hard work I put in for a XXXX and the effort it takes to start a business from scratch.
|
| 12/05/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
I submitted an Economic Hardship Deferment request by mail to ECSI for my Perkins Loan, account XXXX, on XX/XX/XXXX, with required supporting documentation.
My Federal Stafford loans are in Economic Hardship Deferment with a begin date XX/XX/2019 and an end date XX/XX/2019, so by law I am entitled to an Economic Hardship Deferral of my Perkins Loan as well.
However, ECSI failed to approve my Deferment.
I called ECSI today and they claimed they emailed me, but I never received an email. The ECSI rep of course offered to put the loan into Forbearance, where it would continue to accrue interest, but I qualify for Deferral, I am receiving SNAP benefits and my other Federal loans are in deferral.
|
| 08/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On Wednesday, XX/XX/XXXX, I requested and review my annual credit report and noticed a discrepancy with the reporting of one the accounts listed on my profile.
My Perkins loan through EDUSRV / Heartland ECSI did not show the accurate balance and account standing. The last updated date stated on the report for this account was XXXX when this account has been active & received monthly payments till this date XX/XX/XXXX. There is almost 2 years worth of data missing from this report which should show active & current payments to the account with the reduced remaining account balance.
I request to have this inaccurate information reviewed & rectified to show current account standing & balance.
|
| 08/14/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Older American |
|
Just recently I received a threatening from ECSI. It was never my intention no to pay the debt accumulated during the less than a month stay in XXXX. ECSI representatives did not present me clear explanations of my responsibilities, or benefits regarding repayment. I have done some researches. I did not receive FormXXXX from XXXX ; therefore, I was denied the opportunity to deduct educational expenses through my Income Tax on that year. Neither did I receive the usual Refund I was entitled while attending XXXX. I need to know what type of Student Loan I am in debt with XXXX, which could not be consolidated, as my other student loans were ; ECSI did not submit to me any type of information.
|
| 09/10/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Within the past two years I've been evicted twice. The US Department of Education garnished my tax return in XX/XX/2018 of {$2000.00}. XXXX XXXX is attempting to collect a debt that I can not validate, and they continue to submit negative marks on my credit while the US Department of Education, XXXX XXXX, XXXX and XXXX also take collection activities on me.
I have to qualify to buy a car since mine got REPOSSESSED because the US Department of Education failed to return my {$2000.00} tax refund while I was going through an eviction this year in XX/XX/2018. I've told XXXX XXXX that I can not make payments, and reporting negatively on my credit will only make my financial situation worse.
|
| 09/05/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
My loan was transferred from XXXX University to " Heartland ECSI '' I received one letter from them that stated that my account was past due. I can not log-on online because I never set up a log-in, and have no information. When I try to call them, I wait on hold for more than an hour and never get through.
I have used their call-back system as well, which has also not worked. I have no means to access their systems or their agents to submit a payment. They are concurrently threatening to send my account to collections and flag it as delinquent if I do n't pay.
In summary, there is no means to remit payment to ECSI, however they are threatening action that would impact my XXXX XXXX.
|
| 09/29/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
The loan servicing company Heartland ECSI is causing significant delays in the timely processing of my requests for Perkins loan deferment and/or cancellation. I have submitted the cancellation requests, along with the required documentation ; however ECSI keeps stating the documentation is not adequate. I have participating in this process for approximately 5 years now and have never had a problem with the documentation provided, nor have I ever had to submit this much documentation and additional paperwork for this until this servicer took over.
I have provided everything that should be needed, yet this is still not resolved and ESCI is still requesting additional information.
|
| 08/17/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
Servicer Heartland ECSI is charging a {$1.00} Service Fee for a Direct Payment ( payment made directly from my bank account ) for my monthly student loan payment. They recently switched to a new on-line portal system - within the last year - and I had called numerous times to complain that making a direct payment still costs an additional {$1.00} per month, even when I was told that there should not be a fee associated with making a direct payment. Now, their old payment portal has been shut down, thus, forcing me to pay the fee if I am paying online. How many other people is this happening to? This is not a fair practice and I seriously doubt this is an oversight on their part.
|
| 09/18/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
My loan was transferred to XXXX XXXX by my college. XXXX then became XXXX, and since then I am unable to access any account information. Their website has stated that the login function is " temporarily unavailable '' for over 4 months. I can log in by using the " change password '' function, only to have no accounts displayed. Calling in also results in being told there are no accounts under my social security number.
I am thus unable to view my current balance, method of payment, or any account information at all. Research shows that it is a common problem. I should not be completely prevented from obtaining information related to my loans if XXXX wishes to be the servicer.
|
| 02/17/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My XXXX year old daughter considered attending XXXX university in XXXX Ma last XX/XX/2017, She registered for several classes but decided to return to her former college instead, She never attended any classes and there was not a single class paid for nor a deposit Made Any other college would not honor registration without payment.
This college is using predatory tactics to extort money from my daughter with out Any class attendance or exchange of services ...
There were no services rendered ....,!!, My daughter is now receiving collection notices for classes that were never attended In the amount of XXXX. From XXXX XXXX XXXX XXXX ... out of XXXX pa This is extortion.
|
| 04/04/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I am ready to repay my student loan and have access to an online portal to repay the loan but it does not allow me to repay online. The company charges high percentage fees for any payment method other than paying directly from my checking account but when I attempt to use this payment method, I am unable to pay the loan because the balance incorrectly displays as {$0.00}. I have tried to use the live chat that is available and it does not load before the system times out my log in. This is very frustrating because I feel they are able to collect more interest on my loan when I am ready to pay it off. I have attempted to pay off this loan 4 times in the last 2 weeks.
|
| 01/31/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
My private loan has been sold multiple times. I called in XX/XX/2018 to complain about how my loan has been handled and transfered to Heartland ECSI. My XX/XX/XXXX statement came and they are trying to charge me 29.169 %. It should never be this high. It is theft. No one is answering the phone and i can not get any information on my loan. I am very mad. Plus i have had this loan for so long and always made payments ontime. It is so unfair. My XX/XX/XXXX payment went all to interest because they are screwing around with my interest rate. I DID NOT pick this company. My loan was sold to them.They stole my money in XX/XX/XXXX when i made a payment. this is illegal.
|
| 11/28/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
XXXX XXXX sent me a refund check in the mail for the amount of {$600.00} on XX/XX/XXXX. I deposited it through my mobile bank. Bank showed check went through. The next day the check came back out with a fee of {$5.00}. I called my bank they said it said " referred to maker. '' I called heartland XXXX they said check was cleared, they said they would look into it and get back to me with what they found, never did. I called back and they said check is cleared and nothing they can do and they would look into it to see what was going on, never heard back. I called today XX/XX/XXXX and they said they could n't do anything and for me to call and file a police report.
|
| 01/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This account was not paid late ever because it was part of a rehabilitation plan with monthly payments required. The balance was paid in full on time in XX/XX/2022. Payments from XXXX, XXXX, and XXXX were successfully processed ; however, the company continues to report inaccurate information in partnership with the University.
The late payments reported on this account are inconsistent across the three bureaus. This company has failed to provide me with documented evidence as requested. XXXX shows a late payment in XXXX, XXXX reports a late payment in XXXX ( and on time payments in XXXX, XXXX and XXXX ), and XXXX does not show a late payment at all.
|
| 03/02/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
I had a student loan account with XXXX University that I applied for a cancellation under the Federal Perkins ( XXXX ) Student Loan. I completed the request for cancellation benefit or deferment prior to cancellation. In addition, I submitted the necessary forms to verify my then and current employment status teaching in an low income environment. I also, had my job verify my employment as requested.
My loans was recently sold to Heartland ECSI, who stated that I need to start the process over with them, And that they will only issue a cancellation in the amount of! 5 %!
I feel this is illegal! The terms of the original loan company should be honor.
|
| 03/31/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
I received a letter that my Federal Perkins loan with ECSI are due on XX/XX/XXXX. Due to Biden 's memorandum, the government website states all Federal Perkins Loans, under ED and not under ED are included. I recently XXXX XXXX XXXX and just was able to secure a part time job after dealing with the medical treatment she needed as well as the loss. I asked if they had income driven repayment plans, and they said no. How can they expect people to afford hundreds of dollars of payment every month? They mentioned a forbearance, but I have been doing that for the past 3 years and it has built up unreasonable interest and I can't do that any longer.
|
| 11/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The company inaccurately reported my account as delinquent despite it being consolidated over two months ago. The new account shows on my credit report in addition to this false report that I am delinquent. I tried calling the agency and informed them of the issue as this is an urgent matter and trying to close escrow. They said a supervisor will return my call but no one did. I asked them to update my credit reporting to the bureaus immediately as it was an administrative error. They have not updated it. I called several mire times to no avail. XXXX XXXX university admitted an administrative error. They declined to update my credit report.
|
| 05/02/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
My loan was transferred from Campus Partners to ECSI. I was not notified of the transfer by either party until I realized I was unable to access my campus partners account and they gave me a phone number to someone else. I called the number and was put on hold indefinetly, I was finally able to access my account using a livechat with an ECSI rep who gave me my login information. Upon logging in I can not tell if my payment is due and the website is very confusing and unclear. I dont even know if my payments are current. The login information requires XXXX fields and is extremely clumsy. The website is extremely outdated, confusing, and slow.
|
| 01/19/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
My Federal Perkins Loan was transferred to Heartland ECSI a while ago. I managed to miss a payment at one point, and in addition to the late fee ( totaling a fourth of my monthly payment ) placed on my account, I was charged another {$2.00} for their automatic call system to tell me the payment was late. Nowhere on their website do they list late fees or call fees, and the only place I heard mention of phone call fees was information presented via a computer-generated voice while I was on hold with their customer service after I had already incurred the late, automated call fee. There is a serious lack of transparency from Heartland ECSI.
|
| 10/17/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
On XXXX/XXXX/XXXX I came home from work to find a notice from the US Department of Education stating that a student loan of mine was in default. I had no idea I had this student loan. I have been making payments on the student loans I knew I had through XXXX XXXX. I was told that this loan was a XXXX XXXX which was given to XXXX and they said I never made payments and was in default so this loan was given back to the US Department of education. XXXX has never contacted me or given me the chance to pay it back. I now understand why my credit score keeps going down despite my best efforts to improve it. I feel that XXXX is at fault here.
|
| 10/18/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
I was collected by ESCI who informed me that they represented US DEPARTMENT of Education. They told me that I had an unpaid XXXX loan back in XXXX that was not paid. I paid the school all the loan paid around XXXX, but I do not have any receipts from XXXX year ago. They begin reporting bad information to the credit bureaus and they informed me that it will continue until I repay the loan. They reported that I made payments for XXXX months this year but I didn't. I only heard of the debt this year after I supposedly made the payment. I have a letter directly from the US Department of Education that my student loans were repaid.
|
| 09/06/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
Heartland payment systems began charging me more than an additional {$120.00} per month on my credit card processing services. We had an agreement at $ XXXX/mo which soon turned into {$95.00}, then as of XXXX became {$220.00}, no, they have charged me this for 5 months, totaling over {$620.00}. They claim this is because I did not take a " survey '' I have spoke to my representative from heartland, after a year and a half, he tells me, well you didnt get the notification, because we had the wrong email address on file. So now i have {$620.00} tied up, my rep cant get my money refunded, and they are still charging me monthly.
|
| 03/07/2020 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
Hi, I applied a payment of {$400.00} to my account on XX/XX/2020 and received an email stating that my payment was scheduled. On the same day ( according to a customer service representative named XXXX, who I talked with on XX/XX/2020 at XXXX XXXX ) they sent my account to a collection agency. I now have no recourse to have the account re-established. The lender in question is Heartland ECSI. This lender recently acquired my student loan account from another company and I did not receive information that this was the case prior to my account be absorbed. This is completely unacceptable behavior from a student loan company.
|
| 12/21/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
My XXXX loans are serviced by ECSI ( Heartland ). When I recently attempted to check my balance, the credentials that I always used were rejected as invalid. When I attempted to reset password, the system did not recognize my account ( based on last name and birthdate ). I am at a loss about what to do to access my account information. The XXXX XXXX does not appear to work. I was on hold for almost an hour, and then left a number for a call back. Neither option has resulted in talking to an person who can grant access to my account. I don't know what else I can do. Please help me access my account. Thank you very much.
|
| 12/08/2020 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Fraudulent loan
|
|
Web |
|
|
I was a student enrolled in XXXX XXXX. Because it wasn't a profitable program anymore, they pulled my major out from under me, forced me to switch to a performance degree, and lied to me about what my options were by telling me I didn't have a choice. I paid over XXXX in tuition to these criminals.
Fully private high interest student loans that were used to pay for the major they canceled, credits they threw in the trash ( but charged me for. ) Those loans are paid off now.
I tried talking to them about it when I realized how fraudulent that activity was and have been immediately disregarded and swept under the rug.
|
| 04/25/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was repeated called to collect the debt and made several statements about Deferment via Covid-19 Emergency Relief and Federal Student Aid. Their callers expressed no knowledge of deferment. When I contacted XXXX XXXX XXXX about deferment they said that they have directed ECIS to conduct deferments. When I called again and expressed that I talked to XXXX XXXX finally an agent admitted they do have a process for deferment. I received an email and then filed deferment with them. Soon after I found out that my debt has gone to collections. I have no notice of deferment and have no idea whether it was processed or not.
|
| 06/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I have contacted ECSI on multiple occasions asking why are they reporting my student loan as delinquent when I uploaded my military orders to their website multiple times. This has caused me to lose my home loan. I advised them that I was XXXX and was not gone to receive any letters that they were sending and they have still failed to fix this on my credit report. They told me to contact the school which I have done three time. I also sent XXXX XXXX XXXX my military orders and deferment request. This is a federal Perkins loan for {$3400.00} which has accrued fees due to this failure to defer this loan under SCRA.
|
| 03/29/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Global payments inc. Is a merchant service we used and services were canceled on XX/XX/20. I made a phone call to them to cancel and they called back 3 weeks later but did not get through to me. Since this time they have been charging our account non compliance fee 's for ( 28 months total ) without reaching out to us asking whats going on. This slipped through the cracks on our end but 28 months of non compliance fee 's being charged to one of their customers should be looked into. They offered 6 months credit but that's it. Us not canceling? ( I did ), does not justify not following up with their customers.
|
| 10/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I requested information from ECSI regarding my loans type, terms and conditions. They are not able to resolve the issue and they pass the issue to XXXX XXXX XXXX ECSI is responsible for signing of their forms. I requested them many times to provide me with official copy of master promissory notes which includes the loans type, terms and conditions for the XXXX XXXX they applied to my account ECSI has failed to provide such documents. Therefore, their request for debt collection to the amount of XXXXXXXX XXXX is invalid as they do not have proper forms, signatures, customer service or supervisors to clarify.
|
| 03/12/2023 |
No |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
Heartland ESCI a federal loan servicer has allowed their security certificate to lapse exposing us borrowers to data risks. The certificate has been expired since XX/XX/2022 and even when choosing to navigate to the website without this security measure in place ( because I absolutely need to ), I am unable to as the website is down. It's no surprise their payment processing and automatic debits are still working well. I have been making payments through this whole student loan stoppage and now can't access my interest tax forms because of their failures. Can't even log into an account to stop the payments.
|
| 05/30/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
I have been making payments each month through the companies " XXXX '' However each month I am getting a notice saying my payment is late. I pay before my bill date and always get a receipt. On top of that this company is not applying the extra I am paying toward the principal, but instead putting it all toward interest. At the beginning they were, now they are not. The paper bill and the online system never have the same figures on it. I am tired of this. It took me may months just to get a paper bill from them, now that I have it, my payments are not being applied correctly nor is the principal shrinking.
|
| 01/11/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I received a letter from Heartland XXXX regarding my Perkins loan. The letter states that I have till XX/2018 to make a payment or set up a payment agreement or my entire balance will be turned over to a collections agency. I did this today however the company now says it will be turned over to a collections agency anyway. I have completed my responsibilities per the information I had in the letter that I received and I feel the account should not be turned over to an agency. I am going to go through with my Payment agreement so it can not be said that I did not meet the requirements stated in the letter.
|
| 03/30/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Global payments is a merchant service we used and services were canceled on XX/XX/20. I made a phone call to them to cancel and they called back 3 weeks later but did not get through to me. Since this time they have been charging our account non compliance fee 's for ( 28 months total ) without reaching out to us asking what's going on. This slipped through the cracks on our end but 28 months of non compliance fee 's being charged to one of their customers should be locked into. They offered 6 months credit but that's it. Us not canceling ( i did ), does not justify not following up with their customers.
|
| 04/15/2020 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Heartland ECSI serviced my student loan for XXXX XXXX XXXX XXXX, account XXXX. I refinanced my loan, and following the instructions by the lender, I continued making my payments while my refinance application was being processed. The process completed, and my loan was paid off. In the process, there was also an excess payment of {$80.00}. I have been trying to contact ECSI to get this refunded, and I have been getting the run arounds phone tag. They sure are quick to add any unpaid interest and report to credit bureaus for any late payment, but I can't get a simple refund of {$80.00} that is owed to me.
|
| 10/17/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
ECSI charges a fee for individual payments directly removed from a bank account, credit or debt card payments. The only service fee free payment option is to pay by mailing in a check or by setting up automatically with drawn payments. This is insane. ECSI is making making the process of paying my loans incredibly difficult to make an extra {$4.00} each time I pay my loan.
No other student loan lender I am currently dealing with charges this type of fee. As a person with large amounts of student debt every dollar matters and this just seems like an extra slap in the face for taking out a private loan.
|
| 12/10/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Heartland ECSI is unlike other loan servicers when handling automatic payments. Each loan being serviced requires its own automatic payment. Here is the issue : I have a two loans with quarterly payments ( {$90.00} each ) .that did not enter repayment on the same month that I setup automatic payments. My automatic payment of {$90.00} is consistently {$90.00} short because the balance on the accounts are not met by the single payment.
ECSI did not make a reasonable attempt to clarify this nuance in their automatic payment policy and I have accrued many months of missed payment fees as a result.
|
| 06/22/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I reached out to ECSI via their contact us page 3 times and each time they closed out my request. I'm currently living and studying abroad and when I alerted the company ; instead of correcting my credit report as current and deferred, they closed all 3 cases. I live abroad and it is impossible with the time difference to contact them. During this pandemic is my school even completing any forms to show enrollment. What this company is doing is illegal, i even asked for a supervisor and instead they closed my request.
XX/XX/XXXX - Ticket XXXX XX/XX/XXXX - Ticket XXXX XX/XX/XXXX - Ticket XXXX
|
| 03/29/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I attempted to pay my loan through XXXX several times. It was sent on XX/XX/XXXX and XX/XX/XXXX to the po box provided by Heartland ECSI as they claim they do not accept electronic payments I have been trying to address this issue since XXXX. Customer service has shown extreme incompetence when handling this issue. They refuse to track the payment to see if it was erroneously applied to an incorrect account. In addition, it is impossible to even contact Customer Service as the wait time is over 2 hours and they never return a phone call. My credit has been affected and I just want it paid.
|
| 12/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
dispute the information in the credit report.
The letter they sent was to a postal address of a XXXX XXXX in XXXX XXXX in which I no longer receive postal correspondence because I do not live in XXXX XXXX. Currently, I am living in the state of XXXX about two years ago, so I did not know about the letter, but after the payment due date of the loan a relative who received the letter addressed to my name in XXXX XXXX could not send me to XXXX the letter from XXXX, because XXXX XXXX for that date was flogged by a hurricane and natural disaster so there was no communication of any kind.
|
| 07/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Per last complaint, XXXX university agreed that if payment plans were set up that they would close their assignment to the collection agency and apply a hardship deferment to the account, which would clear the past dues. the hardship would also allow esci to update the past credit history to current and good standing.
Payment plans were set up and payment actually has already been completed, yet XXXX and esci have both failed to correct the issue, all that has been updated was that monthly payments have been set up. Please resolve at your earliest convenience, thank you so much.
|
| 08/02/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
Heartland ESCI took over a student loan that I have from the XXXX. The company requires a processing fee with every payment, regardless of whether you use your bank account or a credit card. The only way to avoid this fee is to mail a check ( but of course, then you still have to pay for a stamp ). I do not know whether this violates any particular consumer protection statute, but it really just seems unconscionable to me that even if I 'm using direct debit, which every other loan servicer I deal with takes without a fee, I 'm still charged for the privilege of repaying a loan.
|
| 10/22/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Hello, I have recently been dealing with paying a debt collector that has been placed with my ECSI account ; ECSI over the years has repeatedly tried to contact me since the start of my repayment of my XXXX student loan of XXXX ; however, upon each time I tried to log in to handle repayment of the loan, I would be taken to circular logging-in issues. Eventually, they started collecting through an agency. It is not until now that I go to log in to ECSI, for the first time ever. Is this fair that they I'm at the mercy of a collections agency still? I can pay the loan off in full.
|
| 11/21/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
ECSI claims Im not eligible for unemployment deferment but sends letters that it may be an option to me. They are giving me contradicting false informations continuously. They need to explain why unemployment deferment was not given to me yet they have economic hardship deferment which I do not qualify as of now due to unemployment. Furthermore, I was misled by ECSI and ECSI claims they had loans with me since XXXX but they do not have master promissory note with me starting in XXXX and they claimed to be federal not private. All their loans are invalid and must be canceled.
|
| 07/20/2023 |
No |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
We are a small corner business and we sell beer/cigarettes/grocery.
We recently received a dispute from our credit card processing company that a purchase was fraudulent. We attempted to dispute it with Heartland, however they continued to charge us. Essentially, we were charged yet again for the purchase.
This purchase was made by the customer via entry into the pin pad for XXXX on XX/XX/23 and today XX/XX/23 we were informed that the charge was fraudulent. Heartland refuses to reimburse the charge even though the customer was present. I have contacted the police as well.
|
| 10/12/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Heartland XXXX proctors my student loan from the University of XXXX. They are supposed to send me quarterly statements for me to return payment via check. They frequently fail to send out statements ( 3 times in past year ) and then require me to submit payment through their website and pay a convenience fee, or pay a late fee to pay by check. I have called monthly to discuss with the company, and I believe that Heartlands XXXX is deliberately obstructing my ability to pay via check in order to force me into an alternative payment method that they charge additional fees for.
|
| 03/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
On XXXX I sent an ACH transfer of {$50.00} to the PA Lottery from my bank. I talked with the bank, today, Monday XX/XX/21 and the bank tells me there is nothing wrong with the ACH transfer and the PA Lottery received the transfer. My PA Lottery account also shows the deposit was received. A collection company, Global Payment, XXXX called me on Monday XX/XX/21 claiming that the bank rejected my ACH transfer and I owe the collection company {$50.00} plus a {$35.00} fee. I refused to pay or send them any documents and gave no additional information as I do not owe the debt.
|
| 04/23/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
Servicemember |
|
ECSI called me in XXXX as they must have bought debt from XX/XX/XXXXand threatened saying if I did not pay this debt that they would sue me and ruin my credit.
ECSI reported my debt as being on a payment plan and even reported that I had made several payments this year which is false.
I disputed this with all 3 credit bureaus after investigation ECSI has now reported the debt to be deferred and that I begin payments in XX/XX/XXXX which is another lie.
ECSI is ruining my credit and reaging a XXXX year old debt by lying and threatening and ruining my XXXXredit score.
|
| 08/07/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
After the XXXX transfer to XXXX, attempted to gain access to my account with the use of my SSN. Their website said that they did not have my SSN on file, regardless that I have a loan with them. Attempted to call every phone number they had online, but in order to do so I needed to input my SSN, which they apparently did not have on record. Also attempted to contact them through the site, but they STILL needed my SSN. With the way the present site is set up, there is no way I can even get ahold of customer service ( i.e. and actual person ) to help me with the issue.
|
| 11/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Credit Report with XXXX / XXXX show 90 days late payments for XXXX University student loan. Information was provided by XXXX student loan servicing XXXX university student loans. The period reported as late payments was XX/XX/XXXX / XX/XX/XXXX/ XX/XX/XXXX. During this period I was pursuing my Doctor at @ XXXX XXXX XXXX XXXX. I will XXXX in XXXX 2017. Deferment has been requested from XXXX University. To avoid accumulation of interest on my student loans, I have been able making some payments despite being in deferment. This has ruined my ability to buy a house.
|
| 03/27/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't temporarily postpone payments
|
|
Web |
|
|
I defaulted on my loan payments due to unfortunate circumstances. There was no option for a forbearance or deferment or even a lower payment option. My loan has now been accelerated and sent to collections. The servicer made no attempt to call or email me to resolve the issue and every time I contact them there is an extremely long wait time and when I opt for the call back feature I never receive any type of call back. I can not afford to pay the entire accelerated amount and am willing to establish a payment schedule with auto repayment from my bank account.
|
| 03/13/2016 |
No |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
My loan for disadvantaged students and XXXX Loan was transferred to another company without informing me ( to ECSI ). My payment was overdue because I could not log into my account with my old lender. I finally find out the loan was transferred and missed a payment. Now my credit is damaged by no fault of my own. They will not help me. I had to pay many thousands of dollars or was threatened to put my loans in immediate default. I feel I am being mistreated by this process and have no XXXX on my side. Even as I try to pay they charge large processing fees.
|
| 04/17/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
One of my loans was transferred to XXXX XXXX in XX/XX/2018. I don't know which loan because I never received any correspondence. I just received an email today stating that my loan is past due even though I paid all my bills on time. I tried reaching the XXXX number listed in the email but no one picked up after 20+ minutes of holding. The email said XXXX has a Live Chat option on their website from XXXX - XXXX ET, but it's XXXX and no Live Chat attendants are online. I would like to know if anyone actually works at this place because they seem sketchy.
|
| 03/30/2016 |
Yes |
|
- Advertising and marketing
|
|
Web |
|
|
Heartland Payment Sytems refuses to create a license so that I can process on there system with other credit card providers. They installed a system for over {$10000.00} that does not work the way it is intended or that we were led to believe. They keep telling me they are working on the licenses but it never get done. This in an effort to make us use them for credit car processing. XXXX XXXX, XXXX XXXX, and XXXX XXXX are all are of this problem and have either chosen to do nothing or just tell me for over XXXX months that it will be taken care of soon.
|
| 02/16/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
Hello, I attended XXXX XXXX XXXX XXXX XXXX, XXXX XXXX formerly XXXX XXXX XXXX XXXX XXXX XXXX- from XXXX. While there I took out private loans over the summer months totaling about {$8000.00}, as well as {$180000.00} in federal loans. Due to non-payment of these loans the school is withholding my transcripts until they receive full payment of over {$13000.00}. This is an abusive and unfair practice against me per https : //files.consumerfinance.gov/f/documents/cfpb_student-loan-servicing-supervisory-highlights-special-edition_report_2022-09.pdf # page27
|
| 10/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Hi- Campus Partners are showing that I have several late payments for a studnet loan on my credit report in XXXX, but I have no idea who they are, they do not have a webiste that I can find and any contact phone number I did find ( on other university websites ) are out of service so I can not even contact them to find out what this is supposed to be about. I do not have oustanding loans and have not- my tuition at XXXX XXXX Oregon was paid through a graduate teaching fellowship. I do not know what to do or how to get this off my credit report.
|
| 10/11/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I'm unable to call ESCI 's customer service and discuss my wish to rehabilitate my loans, because they refuse to discuss my account with me. They inform me that despite providing my current contact information, social security number, and DOB, they can't validate my identity without me providing an unnamed previous address. I provided them with my last 10 years of addresses and they say none of them are the specific previous address they want. They've completely locked me out of my account and prevented me from doing anything regarding my loans.
|
| 04/20/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
XXXX XXXX XXXX XXXX campus is closed and has been closed since 2019 I believe. I was making monthly payments to pay towards a A loan and a B loan, the agency that was handling their accounts ( ECSI ) stated that they would no longer be accepting payments due to XXXX XXXX closing! Forbearance could not be processed because the school was closed! ECSI, has now began to report negatively to my credit when I have disputed the balances they come back as reported correct when there is no way it can be verified because XXXX XXXX XXXX XXXX is closed.
|
| 01/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
XXXX XXXX XXXX went to collections for the amount of the reported balance of {$1900.00} from XXXX.
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, Section 6 0 2 states I have the right to privacy. 5 USC 1681, Section 6 0 4 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 08/08/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I started an online chat after not being able to find a specific document. The chat agent kept telling me to log onto my account although I was already logged on and had to be signed in to be able to chat. He repeated told me my fixed payment, but was unable to give me information how to obtain the document that showed what he told me. I needed a payment estimate for my mortgage company. The agent kept me on chat for about an hour and never resolved my issue and often stopped responding and I didnt know if they were still on the chat.
|
| 03/16/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
Im trying to responsibly pay off my student loans more quickly, but Heartland XXXX charges convenience fees for additional one-time ACH payments. Ive had student loans with other services and this is the only company Ive experienced which charges additional monies for one-time ACH payments. Just because something is legal doesnt make it right I intend to escalate this issue with University XXXX and potentially petition for the University of XXXX and other universities broadly not to use the services of Heartland XXXX in the future.
|
| 03/20/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
Nearly every time I submit paperwork for forebearance due to financial difficulty, ECSI claims that they never received my application. They then apply a late fee onto my bill, claiming that I am deliquent. I have to re-submit all of my paper work yet again, paying the postage, and taking the hour or two for all of the steps. This occurs every 6 months. I spent hours on the phone on hold, arguing with representatives to have the late fees waived and to finally have my forebearance request considered. This is infuriating. Please help.
|
| 08/01/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
XX/XX/2018 XXXX XXXX Recurring Payment of {$80.00} dollars for a year on the XXXX of each month I called XXXX XXXX 7 times to try and get in contact with a supervisor because my payment was being regarded as late because Heartland told me my credit card was failing and to contact my bank. I called XXXX twice and they let me know the problem is on their end.
I still can't get in touch with a supervisor and they can't credit or freeze my account to eliminate the late payment according to 3 different CSR 's. I do not know what to do
|
| 08/04/2016 |
Yes |
|
|
|
Web |
|
|
ECSI, acquired by Heartland Payment Systems, tried to assess a surcharge that exceeds 4 % ( 4.05 % ) in their student loan payment portal through the Campus Partners website. There is a surcharge for both debit and credit cards, which as I understand it, is illegal. Since surcharge can not exceed their " merchant discount rate '', please publish their discount rate so that we are charged the lesser of the XXXX. I 'm certain that it does not exceed the {$40.00} fee they tried to assess for my one time card payment of {$1000.00}.
|
| 04/12/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
On XX/XX/2022 global payments sent notice that they were reversing a previous decision to refund my money, and took the money back, XXXX out of my checking account. previously we had messed up a repair on a customers vehicle, that customer took his vehicle to the dealer had it repaired at the cost of XXXX so global payments went ahead and took XXXX out of my checking account. after numerous attempts to fix this called global payments one last time, no one will call back, after sending me on a goose chase with XXXX XXXX
|
| 01/12/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Registered for classes with XXXX XXXX University last spring then decided to go with XXXX XXXX. Several months went by then I received a letter that my account went into default reminding me that I had registered for classes but never started any work in them. It was my understanding that if no work was done the first two weeks I would be automatically dropped. That did not happen and now the school wants their money and sent my account to Heartland XXXX for collection. I can not dispute this with the school now.
|
| 06/14/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
The heartland ecsi received every month a check from my employer contribution in the sum of XXXX $ each month. However, they refusing to count it towards the bill and asking to pay another full bill. This is not what I agreed to pay back. If I pay payment that month in any day, they should be counted towards this month payment or at least the next one period. Im not going to pay more or less, this Loan service must do their jobs and comply with agreements that students have. Please address this issue with them.
|
| 01/05/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Original debtor requested certain information that was sent by myself, and uploaded directly on the website on XX/XX/2020 and XX/XX/2020 to validate that this debt could not be paid, and that I needed to be put on a deferment or repayment plan. Original debtor refused to acknowledge the uploaded document, and requested that the document be frivolously uploaded together. The debtor is using frivolous tactics to collect on more than what is owed and may be in violation of FDCPA rights for consumers.
|
| 05/10/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
I submitted the correct paperwork for deferment and cancellation and deferment of my Federal Perkins loan in XX/XX/XXXX, and then twice in XX/XX/XXXX. I received no response at all the first and third times, and the second time, I received a response that the paperwork was dated incorrectly. I am also currently enrolled in grad school full time. However, they are still trying to bill me for this account. I have contacted Heartland multiple times, and they have made no efforts to resolve the issue.
|
| 02/05/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
the company Campus Partners services private student loans for a number of universities, including XXXX University. They arbitrarily instituted a {$0.00} fee on all payments made with checking accounts directly ( as opposed to autopay ). Because no warning was given, all payments made this month are subject to a fee ( unless the payment is mailed in ). They acknowledge they gave no advance notification either. By this method they are blatantly taking thousands of extra dollars of expense unfairly.
|
| 03/28/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
I am on social security XXXX l only make {$1300.00}. After my Medicare an medical l am left with XXXX my rent is XXXX a month. I never signed any parent loan also in my divorce decree the judge granted my ex husband was dissolved from paying any student parent loan then he also granted me the same. But my XXXX check is getting garnished an l cant get in touch with the IRS I need to talk to a human being. I filled out the paperwork 3 times since last XXXX. I really need help to correct this issue
|
| 04/14/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I tried to pay off Loan B ( # XXXX ) completely but my payment was not applied correctly. I paid {$2000.00} on XX/XX/12 and was told that was done as that was the correct payoff amount. However, after checking my account the next day, they split the payment between Loan A and Loan B. I tried calling and was hung up on twice. After being on hold for 20 minutes, I was told that they had to look into that. Payment adjustment ticket # XXXX was issued, and that the interest would continue to accrue.
|
| 06/16/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
|
| 08/22/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
First, Heartland ESCI has no means of accepting deferment materials electronically ( no fax, no online submission ). This is unacceptable. Waiting 10-15 business days for Heartland ESCI to process a deferment application that has been sent by USPS is simply bad service.
Second, I have sent several deferment forms to Heartland ESCI, each time getting a rejection notice via e-mail, an e-mail that gives no guidance as to what documents are missing. I'm dealing with a man behind a curtain.
|
| 12/13/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't temporarily postpone payments
|
|
Web |
|
|
I called Heartland on XX/XX/XXXX at XXXX pertaining to a deferment for my student loan account. They said I qualify for a deferment and I would have to pay the interest of XX/XX/XXXX for 3 months. So I receive an email on XX/XX/2016 at XXXX saying I do n't qualify for a deferment. I called them on XX/XX/2016 at XXXX and asked them to remove my checking account information. I wake up today and XXXX was drafted out of my account. I have screen shots of all information and correspondents
|
| 12/06/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
ECSI response has been useless. Through this complaint, I request ECSI explain the dispute process for my loan. Exactly explain how I could dispute your false loans without valid MPN? Explain how I can consolidate them to make them federal. Give clear answer or expect a large lawsuit that shuts down all ECSI for all students forever. You can expect both ECSI ( federal + private ) shut down forever. This is last warning for ECSI to give clear answers other than blaming the university.
|
| 04/26/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
An offline party at heartland payment system payroll services has request my state ID social security card and proof of residence after already receiving it XX/XX/XXXX of this year they admit they revived it original but dont know why they need it again ... .... I havent been able to access my money since XX/XX/XXXX they wouldnt even tell me where to fax the information until the XXXX now I have to wait 5 business days if not longer for this offline party to even get this information
|
| 08/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
ECSI Heartland is still showing my loan payments as not being paid monthly when I have been making monthly payments since XX/XX/XXXX and before that in XXXX. They have been saying that my payment is late on my credit report, and not being made every month when I have proof that I have been making payments on their website monthly since XX/XX/XXXX. Every attempt I try to contact them is unsuccessful as they put me on hold and never reconnect or never answer the online chat box.
|
| 08/14/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
XXXX told me to recertify every year for Public Service Loan Forgiveness. This year I mailed the required documents to XXXX as well as XXXX XXXX as required. However, XXXX claims to have not received the documents and ultimately turned my account over to Default Resolutions. I have since refinanced those loans with XXXX XXXX. But, by refinancing, at the mistakes of XXXX, my loan forgiveness started over. I have lost 3 years toward my loan forgiveness due to XXXX 's negligence.
|
| 08/05/2022 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Received payment statement on XX/XX/22. Mailed payoff payment with payment stub and envelope provided by ECSI Heartland on XX/XX/22. Noticed payment has yet to be processed on XX/XX/22. Chatted with online representative on XX/XX/22 and was notified lender changed mailing address after payment was submitted. Student loan lender did not notify of mailing address change. Believe this to be an unfair business practice as a borrower as I have been compliant in repayment process.
|
| 07/09/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
An old debt that has been delinquent for the last XXXX years illegally and illegitimately reappear on my credit report as a current, deferred and being paid as agreed. I have not communicated or made agreement to make this account current or pay it. It may have been acquired by a debt buyer or collection agency that then reports the debt even though it's more than seven years old. This is past the statute of limitations, meaning its too old to remain on my credit report.
|
| 08/10/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Two months ago, a supposed student loan from 25 years ago showed up on XXXX credit report. I had never even Heart about this loan until that time nor was I in school at that place in 1996. Yesterday, I received a notification from Heartland collection company for this fraudulent collection attempt with no information on the debt. PERIOD! This is a clear violation of the Fait Credit Act. I will be taking legal action against XXXX XXXX XXXX, Heartland, XXXX, and XXXX.
|
| 04/15/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Heartland ECSI a distributor for XXXX XXXX released a deposit on XX/XX/2019 for {$130.00} to XXXX XXXX in error because the XXXX account or routing numbers matched the system as a XXXX XXXX account. I have disputed error with both banks since last week and my money has not been returned to XXXX to correct and release to me. Please contact XXXX and XXXX XXXX to straighten out situation. Thank you this is XXXX XXXX SS # XXXX email address XXXX phone number XXXX.
|
| 01/21/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, which has reported negative information on my credit report regarding a Perkins Loan from XXXX college which was paid by the US Dept. of Education on XXXX of 2015.
Heartland misrepresented themselves as being the Dept. of Education on the credit report, which is fraud.
I informed XXXX XXXX that this was a fraudulent debt, however, the agency still continues to collection activity.
|
| 01/27/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
I have a private student loan that is serviced by XXXX. In the past, I have been able to pay by bank transfer through the website with no fee. The site now ( effective XXXX XXXX, 2016, according to the front page ) imposes a {$1.00} for bank transfer payments that are not made through their autopay system. Servicers should not be permitted to unilaterally impose fees on existing payment methods or to change the terms on which borrowers have been paying.
|
| 01/19/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
The online portal is demanding inappropriately early payment on my student loan.
According to a status letter from the company dated XX/XX/XXXX, my next loan payment is not due until some time in XXXX. However, the online portal for my account continues to show my next loan payment as being due on XX/XX/XXXX.
I have asked the company on multiple occasions to have their online portal accurately reflect my loan payment dates. It has not happened.
|
| 07/19/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
On XXXX XXXX 2016, my student loan vendor changed from XXXX to ESCI Heartland.
While the account transfer was taking place, I was under the impression that no fees or penalties would be assessed. I was able to enrolll in autopay starting in XXXX 2016.
However, to pay my monthly payment of {$120.00} I was assessed an XXXX cent fee. Seeing as I do not have a choice but to make a one time payment for XXXX, the fee seems trivial and a way to ris
|
| 02/09/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
XX/XX/XXXX called Heartland about my loan through mass no interest loan I was trying to find out if it could be updated to the national data system to be included for my tpd they said they couldn't they told be call the original leaner they gave me a number the company never hear of me call the school I went to find out information gave me little nelnet couldn't help me much either until information updated very stressed please help me
|
| 03/27/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
A student loan servicer named XXXX XXXX XXXX , XXXX has reported a student loan under my name to XXXX XXXX. I have no knowledge of this student loan. I did not take out a XXXX loan XX/XX/XXXX. I have been in contact with the company they insist that the loan is mine. The loan is not listed on the national student loan database. The company explained that is was because the school didn't do there part to enter the loan in the database.
|
| 10/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 06/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX I entered into an agreement with University XXXX XXXX/co XXXX XXXX for debt rehabilitation.
In the agreement they state if I make 9 consecutive on time payments of XXXX with the last payment due on XX/XX/XXXX and my credit report will be returned to current status.
Have all the credit bureaus histories regarding the defaulted loan removed.
By this date XXXX XXXX has not updated my credit report per their promise
|
| 02/24/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
I had two XXXX XXXX from ECSI consolidated into a single consolidated loan with XXXX on XX/XX/2022. ECSI has repeatedly told me that they have not received payment despite the fact that I have sent them multiple documents showing otherwise. They are continuing to charge me interest and late fees and refuse to cancel the loans. I have contacted them various times and get that same response that they have not been paid by XXXX.
|
| 01/20/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
mycampuspartners has implemented a new " convenience fee '' if you wish to pay directly your checking or savings account. There was always a fee for paying with debit/credit card, but now there is also a fee for direct withdraws from your account. The only way to avoid this is to mail in a check, which, in 2016, is a bit ridiculous. This is a pure money grab as they do not incur fees for direct ACH deposits with withdraws.
|
| 10/12/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
XXXX University through ECSI. This would be the XXXX time my bank account number has changed ( I was not the one to change it XXXX and a payment has subsequently not been processed. They then charge late fees. I am unable to even check my bank account information for accuracy on their website.
Furthermore, upon talking to a representative I was informed my bank account did not have a proper amount of numbers even listed.
|
| 07/22/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
My Loan Servicer ECSI- Heartland has a terrible repayment system setup. Issues include 1. Not being able to make a payment of more than XXXX at once.
2. Not being able to set up a future payment 3. Not telling you your full payoff amount when you got make a payment Essentially they have erected barriers to paying off your loan in full at once so they can continue to charge usurious interest rates in the modern economy.
|
| 07/24/2018 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
I was late on a payment on my student loan for XXXX XXXX. I just recently graduated and I am still looking for a stable job. I owed a payment XX/XX/2018. I was unaware of such payment requirement and I did not pay it on time. I got an email about its past due status. I deferred my loan payments while in school twice. However, I did make the payment for XX/XX/2018. I am now aware of these payments but I was not before.
|
| 07/23/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have a loan with CAMPUS PARTNERS. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX Credit Bureau with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.
|
| 03/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX is reporting this company on my credit report as a collections account : US DEPT OF EDUCATION XXXX # : XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , PA XXXX ( XXXX ) XXXX Date Opened : XX/XX/2010 Balance {$700.00} I filed a dispute in XXXX because this company does not own the loan, this loan was transferred to another lender.
XXXX replied that I account was verified as mine they never read my dispute.
|
| 03/07/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
My lender has instituted a monthly " convenience fee '' every time I try to pay my loans. The only option to not have to pay said " convenience fee '' is if I enroll in their autodraft program, but when I attempt to do so, their website says my loans are ineligible. I have been paying my loans in a timely manner for 8 years and do not understand why I am now being penalized for attempting to continue to do so.
|
| 02/16/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I am trying to access my loan information via their website, XXXX XXXX XXXX The XXXX part of their website is broken and not letting me get in to obtain my loan information for tax purposes. Their " customer service '' is off, so I don't know where to turn. It seems like these loan companies can just do whatever they want without any repercussions. I just want access to this loan so I can do my taxes.
|
| 07/06/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I sent letters amount an account that is reporting on my credit report. I sent a letter to US Dept of Education, to all the addresses they have on my report which is 5 different addresses, requesting a copy of my payment and account history : 1 ). What is the Account Balance?
2 ). Date Payment was received?
3 ). Scheduled Payment Amount?
4 ). Actual Amount Paid?
I received no response from them.
|
| 12/03/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
XXXX has switched loan service providers from XXXX to XXXX XXXX. I am being charged NSF fees for no reason. My bank account has been the same since the transition. XXXX XXXX customer service has told me they can not do anything about it ; XXXX must resolve this situation. Their customer service is mediocre at best. They are difficult to reach and very dismissive. I would like the fees to be waived.
|
| 12/02/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
Their website does not include the loan interest rate and whether it is variable or fixed. Also, student loans should be required to show you the interest that is accruing each month, just like credit card company statements. When I inquired with the company they would n't tell me whether it was variable or fixed. This is a deceptive business practice designed to trick students and must be stopped.
|
| 05/25/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have been trying to pay my loan off to the XXXX XXXX XXXX for the last couple of years. I have called numerous times and constantly keep on getting that my loan has been sold to different debt collectors which keeps causing me to wait and once I get back in touch the loan is sold again to another collector I really need help because they are making it impossible for me to pay off my loan.
|
| 05/07/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
Older American |
|
Our company sold merchandise to a person who may have used a fraudulent credit card.
XXXX XXXX, the credit card processor, tried to withdraw {$3200.00} from our account as a chargeback. After I called them, they said they were going to send us a notice. We had run the charge on their machine, and gotten a copy of the purchaser 's credit card and driver 's license, which we sent to them.
|
| 03/09/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
During the last week of XX/XX/XXXX, loan servicer ECSI, working together with XXXX University placed a {$4000.00} Perkins loan on my credit report. This is an in accurate reporting as the {$4000.00} Perkins loan is consolidated under my XXXX XX/XX/XXXXaccount. Furthermore, the Perkins loan was opened in XXXX. No communication was made to me before placing this inaccuracy on my report.
|
| 08/03/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I am unable to contact my student loan servicer provider after the loan was acquired by a new firm. I had dialed the number that was provided by XXXX however due to a recording that stated my hold time would be 28 mins - 121 mins I had requested a call back ( per their automated system ) however the company has failed to return any calls. The company is Heartland ECSI tele XXXX.
|
| 01/03/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have made payments consistently for XXXX years. I submitted a payment by check only for them to say they didnt receive it. I then submitted a payment online and after they received it, they cashed my check. I called and was told I would be getting a refund only for them to send me a new bill saying it was past due. They now refuse to update my account or refund me my money.
|
| 12/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Repeat issue with partial payment plan agreement from XXXX ( resolved ) into XXXX ( failure to resolve ) Chat transcript with Heartland ECSI representative took place in XX/XX/XXXX to continue XXXX payments, each removed electronically, without fail, from bank account each month. Lender/servicer failed to report partial payment agreement, resulting in credit score damage.
|
| 06/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Account information is completely different. One report is reading a different balance, creditor name, and a different address than the other. This information is inaccurate! And I need it removed from my account. Attached are pictures of both creditors thats charging me the same debt. One account is reading that the account is closed and the other states that it is open.
|
| 09/08/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I set up direct debit from my checking account on a recurring basis in an amount which exceeds the minimum payment. Since setting this up I have received notices that my payments are late or have not been made but that is not accurate because the money has been debited from my account. I have tried to get in contact with the servicer but my attempts have gone unanswered.
|
| 04/12/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I am unable to make any payments outside their business hours.
Previously I was able to make online payments, but now, their website would not allow to make any online payments as it states in error " no future payments can be made '' I am also unable to make payments over the phone since they are closed after business hours.
This allowed me to be late on my payment.
|
| 07/23/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Company that 's reporting to my credit file under false/unlicensed name. In my credit file it shows as " Campus Partners ''. However, this particular company does n't exist or registered any state. After some digging I found out they are registered as XXXX XXXX XXXX.
The problem is this particular company does n't respond to any of letters I 've sent to prove the Debt.
|
| 02/04/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
XXXX University has received my student loans and financial aid which has paid for my classes. But they are holding my refund amount. They won't tell us ( other XXXX students ) what the real problem is and they keep giving us the run around. Something needs to be done about this. Because that money is mines and i have to pay it back so they need to give me whats mines.
|
| 09/11/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
I have been paying my loans through XXXX XXXX since 2015. Whenever I make a payment either through Credit/Debit, Checking/Savings Account or automatic payment ; there is a fee of 3.95 % of the payment, plus an additional {$1.00} fee for one-time or reccuring payments. None of my other student loan providers demand such fees and it seems unjust that this is required.
|
| 08/24/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Can't repay my loan
- Can't temporarily postpone payments
|
|
Web |
|
|
I have been attempting to apply for an unemployment deferment because I was furloughed by the XXXX on XXXX XXXX, 2016. ECSI, which services the Perkins loans I borrowed to afford XXXX school, refuses to accept my proof of unemployment. I do n't have any money, and my low credit score due to their refusal is affecting my ability to secure a year-round full-time job.
|
| 07/03/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
In XXXX of XXXX I had an agreement with Heartland ECSI and XXXX XXXX University to place my student loan in forbearance for 12 months. Instead, Heartland ECSI placed my loan in deferment for 3 months only.
When I spoke to Heartland ECSI, they said I needed to call XXXX XXXX University. When I spoke with XXXX XXXX, they said I needed to call Heartland ECSI.
|
| 02/21/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I was not given adequate information from the company regarding a late payment and I feel that I was purposely deceived and alluded regarding the situation. I called the university and the company and did not receive information regarding the continued accruing interest and how to rectify this until yesterday when I demanded an investigation into the matter.
|
| 10/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Information is incorrect. Never have gotten any loans or anything put into my name. Someone must have used my social security number. The only thing that is correct is the information from the XXXX hospital but I have Medicaid so there shouldn't be any payments i have to pay. My Medicaid should have taken care of that so that information is also false.
|
| 08/17/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
Received notice in Late XXXX that payments were restarting.
I submitted an in-school deferment form XX/XX/XXXX, which was rejected due to signature not appearing Received proper document and went to resubmit XX/XX/XXXX.
Received no other notice from the agency.
XX/XX/XXXX, was told account was moved to collections and they could no longer help.
|
| 01/23/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I have a loan managed by Heartland ECSI. I am doing a XXXX currently, and so I am deferring the payments while in school. However, even though I submitted a form saying I have a 3 year program, they ended the deferment early. They also make information hard to find, did not do a good job notifying me, and make it hard to submit deferment requests.
|
| 10/04/2016 |
No |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
For 12 Months Straight, Heartland ESCI has sent incorrect paper invoices via mail including late fees. Upon calling the company, they apologize and tell me to disregard. However, online the account is showing there are no late fees. It is getting aggravating to continuously receive paper invoices of incorrect amonts and stating I have late fees.
|
| 11/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
( XX/XX/19 ) Received email that my account is " delinquent '' from missing a payment, called and ECSI representative said it was a mistake ( XX/XX/19 ).
I made a payment and re-set up automatic payments moving forward ( XX/XX/19 ). Account still incorrectly marked as delinquent and bringing down my credit score.
Help is much appreciated!
|
| 09/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
The full amunt of the student loan was paid yet the service who collected my money fail to notify my loan provider that the account is fully paid. resulting in my loan provider having no proof that i paid it to hearthland so they can not close my account. i personally can not afrod to another XXXX dollars when it has been already paid for.
|
| 03/01/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
ECSI has limited options for student loan repayment that do not involve a fee. The direct payment option is frequently not available, which can make it impossible to make a payment on time without choosing an option that involves paying an additional fee. Also, I can not find a way to contact the company by phone so I can talk to someone.
|
| 06/17/2017 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
I submit paperwork for forbearance due to financial difficulty, ECSI claims that they never received my application. They then apply a late fee onto my bill, claiming that I am past due. I have tried to resolve this issue, but they ca n't put in a deferment for my student loans. I received today a billing statement saying I am past due.
|
| 06/11/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have a student loan with XXXX that is currently past-due. When I called to bring my loan current, the reps at XXXX connected me with a collection agency ( named Heartland ), and told me I had to deal with them. I have attempted several times to make a payment with this collection agency, and they refuse to accept a payment from me.
|
| 08/24/2016 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid my debt in full and after about 6 months, they have started sending me bills that suggest that the payment never occurred. I 've made numerous attempts to contact them and they will not respond, though they continue to send bills, which now also suggest that I 'm one month behind paying a debt that I have already paid in full.
|
| 07/21/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Getting a loan
- Qualify for a better loan than offered
|
|
Web |
|
|
We have a company sending a demand notice she said it is not a school loan we filed a chapter XXXX bankruptcy on XX/XX/2012 I called them they will not provide any information regarding the account it is on our credit and we are trying to buy our XXXX house please help the name of the company is educational computer systems inc.
|
| 06/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I was never late on the paid off account listed above please show me documentation showing proof of transactions showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete this alleged late payment from my credit report. The FCRA allows 30 days for this to be rectified.
|
| 04/16/2020 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
Servicemember |
|
XX/XX/2019. {$3000.00} plus interest and associated fees. I attempted to update my account due to complications with my job and car repairs eventually a repayment plan was incorporated and I would like my credit repaired due to complications with COVID-19 impacting XXXX, Michigan under executive orders of Governor XXXX XXXX.
|
| 04/26/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
ESCI Heartland, my student loan creditor has posted to all XXXX credit bureaus that I was 30 days past due, and that is not the case. I have all of my payment receipts, even their website shows all of the payments I have made. Their firm has misapplied the payment, and this is not something that I should be penalized for.
|
| 12/09/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have had multiple accounts populate on my credit report and have tried contacting all companies and each on is passing me along to the other and is not giving any information on the collection. XXXX XXXX is also report multiple late payments however no bill was ever received and I have no knowledge of missed payments
|
| 02/27/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I sent a payment in on my federal Perkins loan to the schools service provider, Heartland ECSI in XXXX PA. They have not gotten it yet and my payment was sent in XX/XX/19. Payment is due XX/XX/19. I don't want default.
Their customer service woman I " live chatted with '' this morning was rude as heck. Please help?
|
| 06/22/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
1. Correspondence was sent on XX/XX/2021 by consumer and Hartland ECSI had 7 days to respond in which there where no response 2.Hartland ECSI received proper endorsement on statement UCC 3-204 and Hartland has not credit the account nor updated credit report, to bring the balance to XXXX See Attachments
|
| 02/22/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
My student loan was recently transferred to XXXX XXXX. XXXX XXXX does not have a single method of payment that doesn't incur an additional fee. The cheapest option is a {$0.00} additional fee.
The act of paying my loan costs additional money beyond the actual loan itself .... This can not be legal.
|
| 08/09/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Heartland ESCI my student loan servicer began requesting repayment of my student loans in XXXX of 2022, despite the pause of federal student loans being extended until XXXX. Additional my statements were being sent to the wrong address despite it being updated in their system to a more recent address.
|
| 11/06/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
All federal debt payment has been pushed to XX/XX/2021.
Now i getting calls and emails and letters about how i need to make my repayments now, there was agreement on how I would repay.
I apparently get informed that I am missing a payment, even they never contacted to establish a repayment plan
|
| 06/09/2023 |
Yes |
- Student loan
- Private student loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX has sent multiple loans into collection when they should not have been. I was enrolled as a full time XXXX XXXX, and by Law have 6 months post XXXX which was XX/XX/2021 to start payments.
I would like the accounts removed from collections, as they were incorrectly placed there.
|
| 05/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXXXX/XX/ Balance : {$450.00} XXXX XXXXXXXX XXXX Date of inquiry:XXXX TSYS Date of inquiry:XXXX XXXX Date of XXXX
|
| 09/02/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
|
|
Hello, I have been contacting Heartland ECSI via their website and contact number but no one returns my phone calls. I am currently unemployed and will need to reduce my monthly payment, the loan I have is a Perkins loan and I am currently submitting PSLF Loan Forgiveness waiver.
|
| 10/30/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2023, I opened a mail piece containing a bill for student debt. The loan servicer claims to be Heartland ECSI and uses what appears to be a phishing website ( heartland.ecsi.net ) as I could not connect with a live representative over the phone. Please investigate this.
|
| 05/21/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
There was a discrepancy on my credit file for a debt balance that was already resolved. I've made several attempts to rectify this with the company through credit disputes but they still have not rectified the situation and continue to claim that I owe {$120.00} as of XX/XX/22.
|
| 09/05/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
In my request for investigation, I provided proof that the ombudsman stated that I do not owe the debt as described by the XXXX XXXX XXXX XXXX. The letter that I received from the lender does not address that issue. They simple repeat the information provided by the school.
|
| 07/05/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
I have been making consistent payments of more than {$600.00} each month for the past 9 months. I have proof of each payment. Despite this, the loan servicer continues to report to the credit bureaus that I have not made a payment. However I have made a payment every month.
|
| 09/18/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
My student loan got transferred to another student loan company called ECSI. ECSI charges a " convenience fee '' of {$.00} everytime I make a payment using my checking account. That is absolutely outrageous. Why do they make a dollar for me to pay using my checking account?
|
| 10/14/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
Ive requested information on enabling auto payments. The company claims that limits need to be at a set amount. The company alerts and communication options via email do not work. The company sends disparaging and harassing messages to the school about my minor child.
|
| 07/16/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I have been making on time payments that I agreed with the company. However, the company continued to report late or no payments. I contact the company to resolve this matter, but they refuse to make the corrections. This matter prevents me from purchasing a home.
|
| 10/28/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I have paid the XXXX XXXX for XXXX XXXX XXXX XXXX in full as of XX/XX/2022. This loan was serviced through Heartland ECSI and as a result the loan nor its balance has not been removed from the record as my overall loan balance on studentloans.gov is incorrect.
|
| 04/06/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
The lender continues to attempt to collect on the debt without validating the debt after I sent a formal request. They continue to violate the Fair Debt Collecting Practices Act. The are also continuing to charge interest without substantiating the debt.
|
| 02/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've called many times to tell them this does not belong to me. Sent my social and license to prove it isn't mine. No one is doing anything. They went back instead updated the amount owed but kept reporting it on my account which isn't mine.
|
| 04/30/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
The company charges a fee for one-time payments. I prefer one-time payments as I do not like to save my financial information with companies, but in this case I'm unable to do that without incurring a fee. I think this is an unfair practice.
|
| 11/05/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
I made a payment arrangement of XXXX $ a month on a XXXX $ XXXX XXXX, which I had in 1984, to XXXX for the Univ of XXXX. I gave them my bank account information and they attemped to take out XXXX {$.00} which I never had in my account.
|
| 11/15/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
I contacted ECSI Heartland to pay the remainder of a XXXX Loan from XXXX XXXX XXXX. They refuse to let me pay my bill. They said that I can not pay it off until XX/XX/2024, in the meanwhile I will be accruing interest and late fees.
|
| 04/17/2022 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
I have been on auto pay for over a year. They have reported to the credit bureaus XXXX late. I she Contacted my school. They told XXXX they would fix it. It has yet to be fixed they said I was not late I have the email to prove it.
|
| 08/26/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Heartland ESCI charges for all payments except for AutoPay. It is a {$2.00} charge to pay online and a {$10.00} charge to pay over the phone. These fees are excessive and unfair. You should not have to pay a fee to pay your bill.
|
| 02/20/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I contact XXXX XXXX on or around XX/XX/2018 to get a copy of the promissory note for this loan.It has been over 30 days and the debt collector has not provided proof of the loan as required by the Fair Credit Reporting Act.
|
| 05/05/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
ECSI XXXX., based in XXXX, PA, services my XXXX loan There have been at least XXXX instances where they conveniently delay the processing of my timely-made monthly payment, so that an additional {$10.00} late fee is applied.
|
| 06/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
I periodically receive communications from XXXX XXXX company about money owed to XXXX XXXX. This debt was discharged in a bankruptcy. This agency has no phone to call and continues to send letters saying I owe them money.
|
| 07/13/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I paid this account as apart of a settlement with my other student loans and they are still reporting a balance of {$1000.00} on my credit report. This is killing my credit and I ca n't seem to get them to resolve it.
|
| 10/11/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
I have student loans payments of {$260.00} per month, {$150.00} through XXXX and {$100.00} through Heartland ECSI. A financial set back put behind schedule for many months, and I wan unable to get reduced payments.
|
| 09/17/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
The loan servicer didn't appropriate a timeline for when refunds will be handled, and told me they don't know. And I was giving no updates or tracking info about the refund status. I reached out but no answer.
|
| 06/05/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This issue is with global Payments - they are reporting that I have unpaid transactions through checking accounts that are not mine. I have called and send numerous letters with no response.
|
| 01/31/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
Heartland XXXX is over billing for services that they never provide, additionally we are being billed for not filling out a Merchant services survye that we never received or knew about.
|
| 07/24/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
My grace period was up and there was not sufficient communication to start paying. I now have a 30-59 day late on my credit report which I would like removed and the late fees assessed.
|
| 06/23/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
On the checkout page, it does not show the transaction fee until you reach the final page before confirmation, luring customers into paying a high transaction fee without knowing it.
|
| 07/05/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
I have a Perkins Loan with XXXX University, serviced by ECSI. They charge a debit card 'convenience fee ' of {$5.00} on my monthly payment of {$100.00}. This amount is unreasonable.
|
| 07/11/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Older American, Servicemember |
|
I tried to explained that the account isnt mine and the report fell off my credit between XXXX to XXXX. I want to know why is the information reappearing on my credit report.
|
| 01/14/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Debt was paid in full to the attorneys on file on XXXX, XXXX XXXX. On XX/XX/XXXX the collection agency reported me and my credit score is negatively affected.
|
| 12/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Account is reported as late, payment is up to date. Address was never changed for statement. Did not receive bill.
|
| 08/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Tuition service provider has incorrectly assessed my account as delinquent and reported such to credit bureau.
|
| 07/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I was approved for deferral yet Im still showing delinquent for those months. They do not respond.
|
| 10/14/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
Called the service number for XXXX XXXX and got a robot asking about a medical Device alert.
|
| 08/17/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
For each monthly payment, a {$10.00} fee is assessed supposedly for processing.
|
| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
Inaccurate credit information
|
| 02/02/2024 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
|
|
|
| 01/31/2024 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Older American |
|
|
| 01/29/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/24/2024 |
No |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/04/2024 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Phone |
|
|
|
| 01/03/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
|
| 12/21/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Confusing or missing disclosures
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Older American |
|
|
| 12/03/2023 |
Yes |
- Student loan
- Private student loan
|
- Issue where my lender is my school
- Issues with fees connected to the loan
|
|
Web |
|
|
|
| 11/29/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/27/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 11/22/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 11/20/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
|
| 11/15/2023 |
No |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Phone |
|
|
|
| 11/14/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 11/06/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
Servicemember |
|
|
| 11/03/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 10/25/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 10/20/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
|
| 10/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
|
| 09/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Older American |
|
|
| 09/07/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
|
|
|
| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/02/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Phone |
|
|
|
| 08/14/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/08/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 07/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
|
| 07/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 07/12/2023 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Fraudulent loan
|
|
Phone |
|
|
|
| 07/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/05/2023 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web Referral |
|
|
|
| 06/22/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
|
| 06/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/18/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
|
| 05/15/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 05/10/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 04/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 04/01/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/28/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 03/13/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 03/03/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 02/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 02/24/2023 |
Yes |
- Student loan
- Private student loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/01/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
|
| 01/31/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
|
| 01/18/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/16/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/09/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Referral |
|
|
|
| 01/05/2023 |
No |
- Money transfer, virtual currency, or money service
- Virtual currency
|
- Wrong amount charged or received
|
|
Web |
|
|
|
| 12/23/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/17/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/06/2022 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
|
| 12/01/2022 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
|
| 12/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/21/2022 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 11/11/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/08/2022 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 10/05/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 10/01/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
|
| 09/29/2022 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Referral |
|
|
|
| 09/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/15/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 09/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/08/2022 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 08/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/16/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 08/14/2022 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 08/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/27/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 07/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 07/18/2022 |
Yes |
- Student loan
- Private student loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/18/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web Referral |
|
|
|
| 07/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Problem getting your free annual credit report
|
|
Web |
|
|
|
| 06/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Referral |
|
|
|
| 06/16/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 06/08/2022 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 06/07/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 06/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 05/10/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Referral |
|
|
|
| 04/18/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/15/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
|
|
| 04/13/2022 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
|
| 04/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 04/12/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
|
| 04/04/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
|
| 04/04/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/02/2022 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
|
| 02/21/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
|
| 02/02/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 01/30/2022 |
No |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/24/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Phone |
Servicemember |
|
|
| 01/09/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 12/31/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 12/27/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
|
| 12/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/10/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/10/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/10/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/10/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
|
| 11/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/27/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
|
| 10/14/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Phone |
|
|
|
| 09/29/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/23/2021 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 08/24/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 08/23/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 07/09/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
|
| 06/21/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Phone |
|
|
|
| 05/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 05/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/07/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Referral |
|
|
|
| 04/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 04/23/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Referral |
|
|
|
| 04/21/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
|
| 04/09/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/01/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 03/29/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
|
| 03/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/22/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
|
| 02/11/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/31/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
|
|
| 01/09/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 12/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 11/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 11/16/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Phone |
|
|
|
| 10/27/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 10/12/2020 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 10/07/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/06/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 09/30/2020 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
|
| 09/29/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
|
| 09/11/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 09/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/31/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/23/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/19/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 08/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 08/03/2020 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Keep getting calls about your loan
|
|
Web |
|
|
|
| 07/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Older American |
|
|
| 07/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 06/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/23/2020 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 06/18/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Phone |
Older American |
|
|
| 06/06/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Older American |
|
|
| 04/05/2020 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 04/03/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/01/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Phone |
|
|
|
| 03/31/2020 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Postal mail |
|
|
|
| 03/16/2020 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 02/27/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
|
| 02/16/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 02/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/28/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
|
| 01/23/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Referral |
|
|
|
| 01/22/2020 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
|
| 01/09/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/09/2020 |
No |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Referral |
|
|
|
| 12/21/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 12/10/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 12/05/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Phone |
|
|
|
| 10/17/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/15/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 10/09/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/26/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 09/24/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/18/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Referral |
|
|
|
| 08/22/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 07/26/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 07/22/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 07/21/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 07/11/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Postal mail |
|
|
|
| 07/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/13/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 06/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/31/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Postal mail |
|
|
|
| 05/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 05/17/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Phone |
|
|
|
| 04/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/19/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 03/25/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
|
|
|
| 02/21/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 02/21/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/29/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/22/2019 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Postal mail |
|
|
|
| 01/16/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Keep getting calls about your loan
|
|
Web |
|
|
|
| 01/12/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/26/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
|
| 12/23/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/19/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Referral |
|
|
|
| 12/09/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/07/2018 |
No |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Phone |
|
|
|
| 12/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 11/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/27/2018 |
No |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Phone |
|
|
|
| 11/14/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 11/12/2018 |
No |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 09/15/2018 |
No |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 09/13/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 09/11/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/06/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Phone |
|
|
|
| 08/26/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 08/13/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
|
| 08/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/25/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Referral |
|
|
|
| 07/20/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Phone |
|
|
|
| 07/18/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
|
| 07/14/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 07/05/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Phone |
|
|
|
| 06/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 06/27/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 06/26/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 06/18/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 05/31/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 05/16/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 05/15/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 05/07/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 04/27/2018 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
|
| 04/27/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 04/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/19/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 04/18/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/17/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 03/21/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/07/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
|
| 02/26/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
|
| 02/13/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 02/12/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/02/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
|
| 01/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/27/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/14/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/28/2017 |
No |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 12/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/14/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 12/14/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 12/12/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 12/07/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
|
| 11/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 11/15/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
|
| 10/28/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 10/13/2017 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
|
| 10/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/26/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/18/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 09/01/2017 |
Yes |
- Student loan
- Private student loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/31/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
|
| 08/28/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 08/27/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
|
| 08/22/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 08/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/01/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
Servicemember |
|
|
| 07/19/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 07/18/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 07/11/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 07/05/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 06/22/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 06/06/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 06/05/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 06/02/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
|
|
| 05/09/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Referral |
|
|
|
| 05/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/02/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 04/18/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Need information about my balance/terms
|
|
Web |
|
|
|
| 04/17/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
|
| 04/11/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 04/10/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Can't repay my loan
- Can't temporarily postpone payments
|
|
Web |
|
|
|
| 04/10/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 04/10/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Phone |
|
|
|
| 03/31/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
|
| 03/25/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
|
| 03/14/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
|
| 03/13/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
|
| 03/03/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 02/16/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 02/15/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Referral |
|
|
|
| 02/10/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Can't repay my loan
- Can't temporarily postpone payments
|
|
Web |
|
|
|
| 01/26/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
|
| 01/26/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
|
| 01/23/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Phone |
|
|
|
| 01/18/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
|
| 01/08/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 01/04/2017 |
No |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 12/15/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 12/12/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Need information about my balance/terms
|
|
Web |
|
|
|
| 12/09/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
|
| 11/05/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
|
| 11/01/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
|
| 10/27/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
|
| 10/24/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 10/12/2016 |
No |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
|
| 10/04/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 09/26/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 09/26/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
|
| 09/25/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
|
| 09/15/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
|
| 09/14/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 09/13/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
|
| 09/12/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
|
| 07/21/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 07/06/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 06/29/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Referral |
|
|
|
| 06/06/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
|
| 05/26/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
|
| 05/20/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 05/02/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 04/25/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
|
| 04/21/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 03/31/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 03/25/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
|
| 03/25/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
|
| 03/11/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 03/07/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
|
| 03/04/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 03/04/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 02/29/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Need information about my balance/terms
|
|
Web |
|
|
|
| 02/28/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
|
| 02/24/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Referral |
|
|
|
| 02/23/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
|
| 02/15/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
|
| 01/26/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
|
| 01/20/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
|
| 12/16/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Postal mail |
|
|
|
| 12/15/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 12/03/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
|
| 09/21/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American |
|
|
| 09/17/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Fax |
|
|
|
| 08/20/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 08/20/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 08/13/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 07/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/27/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 07/15/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/30/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Phone |
Servicemember |
|
|
| 03/18/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 03/10/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't temporarily postpone payments
|
|
Fax |
|
|
|
| 02/09/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
|
| 01/29/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Postal mail |
|
|
|
| 01/27/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 01/07/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 01/02/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
|
| 12/10/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 10/17/2014 |
No |
- Debt collection
- Federal student loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 09/01/2014 |
No |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 08/11/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
Servicemember |
|
|
| 08/08/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 05/29/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 05/21/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't temporarily postpone payments
|
|
Fax |
|
|
|
| 05/04/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/30/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 03/22/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 03/18/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
Servicemember |
|
|
| 03/17/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
|
| 03/05/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 03/05/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 02/26/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/24/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 01/14/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Web |
|
|
|
| 01/06/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
|
| 11/04/2013 |
Yes |
- Student loan
- Non-federal student loan
|
|
|
Web |
|
|
|
| 10/21/2013 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/04/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 08/28/2013 |
Yes |
- Student loan
- Non-federal student loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 08/12/2013 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 04/19/2013 |
Yes |
- Student loan
- Non-federal student loan
|
|
|
Web |
Servicemember |
|
|
| 04/03/2013 |
Yes |
- Student loan
- Non-federal student loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 03/20/2013 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Referral |
|
|
|
| 02/08/2013 |
Yes |
- Student loan
- Non-federal student loan
|
- Problems when you are unable to pay
|
|
Postal mail |
|
|
|
| 10/18/2012 |
Yes |
- Student loan
- Non-federal student loan
|
- Problems when you are unable to pay
|
|
Referral |
|
|
|
| 10/17/2012 |
Yes |
- Student loan
- Non-federal student loan
|
|
|
Web |
|
|
|
| 10/16/2012 |
Yes |
- Student loan
- Non-federal student loan
|
|
|
Web |
|
|
|
| 10/08/2012 |
Yes |
- Student loan
- Non-federal student loan
|
|
|
Web |
|
|
|
| 10/02/2012 |
Yes |
- Student loan
- Non-federal student loan
|
|
|
Web |
|
|
|