|
11496387
|
2025-01-14
|
Struggling to repay your loan
|
Student loan
|
|
| Issue |
Struggling to repay your loan
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Can't temporarily delay making payments
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2025-01-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-14
|
|
|
11505549
|
2025-01-13
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Received bad information about your loan
|
| Sub Product |
Private student loan
|
| Date Received |
2025-01-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-13
|
|
|
10992717
|
2024-12-02
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Trouble with how payments are being handled
|
| Sub Product |
Private student loan
|
| Date Received |
2024-12-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-02
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11110305
|
2024-12-11
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
No
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Don't agree with the fees charged
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2024-12-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-11
|
| Complaint What Happened |
I am again submitting another formal complaint against ECSI in regards to my Perkins Loan account, XXXX, currently managed by ECSI. ECSI dare claimed they check with XXXX XXXX ( aka ) XXXX XXXX XXXX , who owned the Perkins Loan on whether this loan was paid in full, but they did not! After extensive emailing with Student Loan Office and their XXXX XXXX for XXXX XXXX University, the loan office agreed with me that this loan was paid in full on XX/XX/year> to them via their lawyer XXXX XXXX XXXX XXXX XXXX on XX/XX/year> in the amount of {$1300.00}, covering all principal, interest, and fees. I received a pdf letter via email from the Student Loan Office stating this loan is now {$0.00}, as well as, their emails agreeing to the dismissal of the loan as payment in full at that time.
To clarify : I now have proof of payment of loan in full via credit card statement showing payment to the lawyer XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/year> in the amount of {$1300.00} and a letter from XXXX XXXX XXXX Student Loan Office stating Paid in Full for that payment.
Therefore ECSI 's claims on my fully paid Perkins loan debt including their predatory actions of adding nonsensical fees to line their greedy pockets is no longer valid. My letter can be verify with XXXX XXXX XXXX via my contact persons XXXX XXXX and XXXX XXXX at XXXX. ( who kindly provided me the letter stating payment in full for the loan mentioned ). This letter has been upload with my private information blocked out as per CFPB 's suggestions.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7916270
|
2023-11-29
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
No
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-11-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-29
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7712451
|
2023-10-16
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Received bad information about your loan
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2023-10-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-10-16
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5999155
|
2022-09-20
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Received bad information about your loan
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2022-09-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-20
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10296241
|
2024-09-30
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Received bad information about your loan
|
| Sub Product |
Private student loan
|
| Date Received |
2024-09-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-30
|
| Complaint What Happened |
My XXXX XXXX XXXX XXXX XXXX is being serviced by Heartland ECSI.
Under the terms of the loan I qualify for loan deferment under the terms of the loan as a currently enrolled XXXX XXXX
In the past Heartland has been able to, and has access to my enrolment information through the XXXX XXXX XXXX. The loan was deferred until the end date of my program provided I remained enrolled in the program.
As of now they will only defer the loan when I physically go to my school and have the form every single semester, even though they are able to - and required to - check that information for themselves.
Ive been instructed by my XXXX schools financial aid department who usually signs the form to file this complaint to get ECSI to continue to confirm my enrolment themselves - given all of the deferment forms I have submitted thus far state clearly my program will end in XX/XX/2028.
My financial aid department says that coming in every single semester like this is highly unusual.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4778994
|
2021-10-05
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Private student loan debt
|
| Date Received |
2021-10-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-10-05
|
| Complaint What Happened |
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
|
| Consumer Consent Provided |
Consent provided
|
|
|
3364434
|
2019-09-05
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Trouble with how payments are being handled
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2019-09-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-09-05
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3729671
|
2020-07-05
|
Dealing with your lender or servicer
|
Student loan
|
|
| Tags |
Servicemember
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Trouble with how payments are being handled
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2020-07-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-07-05
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3663552
|
2020-05-22
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Trouble with how payments are being handled
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2020-05-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-05-22
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3667146
|
2020-05-25
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Trouble with how payments are being handled
|
| Sub Product |
Private student loan
|
| Date Received |
2020-05-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-05-25
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2966224
|
2018-07-18
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Need information about your loan balance or loan terms
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2018-07-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-08-02
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3039079
|
2018-10-06
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Don't agree with the fees charged
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2018-10-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-10-06
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2958756
|
2018-07-10
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Need information about your loan balance or loan terms
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2018-07-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-07-25
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2792891
|
2018-01-25
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Trouble with how payments are being handled
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2018-01-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-01-25
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2880823
|
2018-04-19
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Trouble with how payments are being handled
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2018-04-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-04-20
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2704511
|
2017-10-17
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Trouble with how payments are being handled
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2017-10-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-10-17
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2748357
|
2017-12-07
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2017-12-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-12-07
|
| Complaint What Happened |
Account is reported as late, payment is up to date. Address was never changed for statement. Did not receive bill.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2579026
|
2017-07-19
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Trouble with how payments are being handled
|
| Sub Product |
Private student loan
|
| Date Received |
2017-07-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-07-19
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1907814
|
2016-05-03
|
Dealing with my lender or servicer
|
Student loan
|
|
| Issue |
Dealing with my lender or servicer
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Need information about my balance/terms
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2016-05-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-05-03
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2754055
|
2017-12-13
|
Dealing with your lender or servicer
|
Student loan
|
|
| Tags |
Servicemember
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Trouble with how payments are being handled
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2017-12-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-12-13
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1824594
|
2016-03-09
|
Dealing with my lender or servicer
|
Student loan
|
|
| Issue |
Dealing with my lender or servicer
|
| Timely |
No
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Need information about my balance/terms
|
| Sub Product |
Non-federal student loan
|
| Date Received |
2016-03-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-03-10
|
| Complaint What Happened |
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. )
|
| Consumer Consent Provided |
Consent provided
|
|
|
1823898
|
2016-03-09
|
Dealing with my lender or servicer
|
Student loan
|
|
| Issue |
Dealing with my lender or servicer
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Don't agree with fees charged
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2016-03-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-03-10
|
| Complaint What Happened |
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 ).
|
| Consumer Consent Provided |
Consent provided
|
|
|
1974013
|
2016-06-17
|
Dealing with my lender or servicer
|
Student loan
|
|
| Issue |
Dealing with my lender or servicer
|
| Timely |
No
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Don't agree with fees charged
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2016-06-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-06-17
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2004348
|
2016-07-08
|
Dealing with my lender or servicer
|
Student loan
|
|
| Issue |
Dealing with my lender or servicer
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Received bad information about my loan
|
| Sub Product |
Non-federal student loan
|
| Date Received |
2016-07-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-07-08
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1760969
|
2016-01-27
|
Dealing with my lender or servicer
|
Student loan
|
|
| Issue |
Dealing with my lender or servicer
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Don't agree with fees charged
|
| Sub Product |
Non-federal student loan
|
| Date Received |
2016-01-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-01-27
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1758999
|
2016-01-26
|
Dealing with my lender or servicer
|
Student loan
|
|
| Issue |
Dealing with my lender or servicer
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Received bad information about my loan
|
| Sub Product |
Non-federal student loan
|
| Date Received |
2016-01-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-01-26
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3022437
|
2018-09-18
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Need information about your loan balance or loan terms
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2018-09-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-10-10
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2956372
|
2018-07-06
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Need information about your loan balance or loan terms
|
| Sub Product |
Private student loan
|
| Date Received |
2018-07-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-07-10
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
